Breed Elliott LLP - Keeping You Informed
You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.
These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader
Newsletter
Our current Newsletter:
Modern Pension Plans can be an important component of a financial plan for all ages of adult. The role a pension fund will play will vary depending upon whether you are still working and funding for your retirement or whether you are near retirement or whether you are several years into retirement.
Because pension legislation is forever changing, we thought it would be a good idea to devote our next three newsletters to looking at the pension considerations for the younger generation, for those nearing or at retirement and for those several years into retirement.
In this month’s newsletter, we consider the issues facing an employed adult looking to accumulate their pension fund during their working lifetime.
Previous Newsletters
Intergenerational wealth transfer part II
Following on from last month’s newsletter, when we looked at transferring wealth down the generations from a grandparent’s point of view, we now consider in this newsletter how the transfer of funds from the grandparents might best be used by their children and grandchildren.
We believe that the case for two or three generations of the same family coming together to formulate an intergenerational wealth transfer strategy is becoming ever stronger.
Intergenerational wealth transfer part I
Figures from the Centre of Economic and Business Research (CEBR) indicate that over the next decade in the UK £1 trillion is expected to pass to the next generation and over the next 30 years, a staggering £5.5 trillion! At present, the average Inheritance Tax (IHT) liability is £179,000 and likely to increase.
In this month’s newsletter, we consider how me might help the grandparents of our Smith family to transfer wealth between the generations. In next month’s newsletter, we will look at how the younger generations might sensibly use any wealth transferred to them.
Our fund selection process
We have received quite a lot of feedback from our clients recently about how surprisingly well investment portfolios have performed over the last year, particularly bearing in mind the coronavirus pandemic and its effect on global economies.
As a result, we thought we would focus this month’s newsletter on looking at our fund selection process.
Retirement Planning
Retirement has always been a fascinating life stage for financial planning. We face the prospect of potentially 20, 30 or 40 years with no earnings and plenty of uncertainty. We’re effectively planning for a very lengthy holiday.
In recent years, there has been a major change in how flexibly benefits can be taken from pension funds, which only adds to the fascination and complexity of retirement.
Plans for a New Year
As it is the beginning of the New Year, we thought we would devote this month’s newsletter to considering some key financial planning issues which may be of concern to the three generations of our fictional family, the Smiths, and which they may wish to address as part of their plans for the New Year.
Why do you need us?
At the end of this very peculiar year, we thought the timing would be right to try to answer the question “why do you need us as your financial planner?!” I hope it makes interesting reading.
Open Banking
Would you like to view full details about all aspects of your personal financial planning in one secure place?
In this month’s newsletter, we give you an insight into Open Banking and how to set it up through your PFP.
Investing in UK commercial property funds
You may have seen mention in the news about a number of UK commercial property funds which have been lifting suspensions imposed on their funds in March 2020, as a result of the coronavirus.
We thought it would be good timing to focus this month’s newsletter on the benefits and risks associated with commercial property investment. We have provided answers to a number of questions posed by our fictional client family.
What happens with my pension fund when I die?
In this month’s newsletter, we aim to shed some light on the increasingly complex subject of what happens to pension funds when the pension plan member dies.
Explaining the importance of strategic asset allocation
In this month’s newsletter, we answer questions posed to us by one of the young adults from our fictional client family, the Smiths, on the subject of asset allocation and the approach we take this within Breed Elliott.
A sound investment philosophy
In this month’s newsletter, we have set out 10 aspects of our investment philosophy which we adhere to when advising all our clients.
Explaining financial planning to young adults
In this newsletter we have set out some of the advice and suggestions we would give to young adults on the subject of financial planning as they start their working careers.
Tax considerations in financial planning
As we start a new tax year, we thought it would be good timing to look at tax planning considerations in financial planning and to consider various scenarios for the three different generations of the Smith family. We hope you find it interesting reading both for your own financial planning and for your family’s.
Coping with falling markets
Considering the shocks in global financial markets which have hit all of our investment portfolios, we thought it would be a good idea to devote this month’s newsletter to looking at various ways of coping when markets are falling.
The first half of the newsletter looks at general strategies for keeping a calm head when all around us are losing theirs. In the second half of the newsletter, we look at the three generations of the Smith family and consider how they might cope at their different ages and circumstances.
Long Term Care
In this Newsletter, we are going to focus our attention with Harvey and Maggie on the issue of long-term care and the various factors that need to be considered when planning for this eventuality.
Financial planning in old age
In this month’s newsletter, we are going to look specifically at the Smith grandparents, Harvey and Maggie.
They are both in their late 80s and contemplating what they need to be doing with regard to their financial planning to ensure that they are secure and comfortable for the remainder of their lives.
Like many in old age, they are also keen to leave something to their children and grandchildren and to mitigate their liability to Inheritance Tax if possible.
We will consider how they can go about achieving these objectives.
New Year (Financial Planning) Resolutions
Every year, millions of people make New Year’s resolutions, hoping to spark positive change.
In this newsletter, we are going to suggest some financial planning resolutions to the three generations of our fictitious family, the Smiths, and look at what steps they can take to keep those resolutions.
Financial Planning Reviews - Part II
Following on from last month’s newsletter when we looked at the first part of how to conduct an effective financial planning review, in this month’s newsletter we look at how we manage the asset allocation, fund selection and tax planning within a typical investment and pension portfolio.
Financial Planning Reviews
As we move into November and approach the end of another calendar year, we thought it would be good timing to start to consider how best to carry out financial planning reviews.
We see a comprehensive review being split into two stages. The first is a reflection on a client’s current personal and financial circumstances, their aims and aspirations for the future and their evolving financial planning priorities. In a way, it is a high level, strategic view of how the overall plan is progressing.
Planning for Emergencies
The travails with Thomas Cook and the troubles that many must be going through in reorganising their holidays has given us the prompt that it might be a good idea to focus this month’s newsletter on keeping an emergency fund within our overall financial planning strategy.
Understanding Compounding
Compounding is a subject we have not featured at all in any previous newsletters over the last 15 years. Why not?
It is probably because we have been lulled into taking it for granted and assuming that clients fully understand the advantages and disadvantages of compound interest.
So, let’s take the opportunity to put things right.
The Smith Grandparents and Equity Release
The equity release market in the UK has doubled in size in just three years with retired homeowners releasing £3.6 billion in new property wealth in 2018, up from £3.01 billion the year before – a 19% increase. These are the figures arising solely from the sale of equity release schemes, not taking into account equity being released by homeowners downsizing.
Therefore, we thought it was timely to use this month’s newsletter to look at the equity release decision-making process and personalise this by looking at the considerations taken into account by the grandparents of our fictional family, Harvey and Maggie Smith.
The Smith Family: Personal Finance Portal (PFP)
In this month’s newsletter, we take a look at how three generations of the Smith family are using our Personal Finance Portal (PFP).
The Smith Family: the third generation savings for the grandchildren
In this month’s newsletter, our focus turns to the younger members of the Smith family. We are looking at the scenario where their parents and grandparents are considering making savings for their benefit.
The Smith Family: the next generation planning for retirement
In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.
Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.
We hope that this will help to make the issues we cover more ‘real’ and meaningful.
Introducing the Smith Family and the Grandparents' Cash Accounts
In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.
We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.
Prenuptial Agreements
Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.
We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.
Death planning for the younger generation
Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!
In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.
5 New Year Financial Planning Resolutions
The start of a New Year is a popular time to make a resolution to live our lives differently.
But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!
In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.
Active and Passive Fund Management
As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.
In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.
Fund and Administration Charges Explained
In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.
Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees.
Our Annual Client Survey
We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.
We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.
So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.
We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.
The Cost of Advice
In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.
We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.
We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.
As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter
Behavioural Finance
In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.
The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.
But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.
This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.
Selecting Individual Funds
The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.
We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.
Wedding Plans
In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.
Preserving wealth through generations.
The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.
General Data Protection Regulation
We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.
Understanding Fixed Interest Securities
Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.
Newsletter December 2017 - PFP Premium
In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.
In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.
November 2017 Newsletter - Personal Finance Portal
Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.
You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.
These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader
Newsletter
Our current Newsletter:
Considering the shocks in global financial markets which have hit all of our investment portfolios, we thought it would be a good idea to devote this month’s newsletter to looking at various ways of coping when markets are falling.
The first half of the newsletter looks at general strategies for keeping a calm head when all around us are losing theirs. In the second half of the newsletter, we look at the three generations of the Smith family and consider how they might cope at their different ages and circumstances.
Previous Newsletters
Long Term Care
In this Newsletter, we are going to focus our attention with Harvey and Maggie on the issue of long-term care and the various factors that need to be considered when planning for this eventuality.
Financial planning in old age
In this month’s newsletter, we are going to look specifically at the Smith grandparents, Harvey and Maggie.
They are both in their late 80s and contemplating what they need to be doing with regard to their financial planning to ensure that they are secure and comfortable for the remainder of their lives.
Like many in old age, they are also keen to leave something to their children and grandchildren and to mitigate their liability to Inheritance Tax if possible.
We will consider how they can go about achieving these objectives.
New Year (Financial Planning) Resolutions
Every year, millions of people make New Year’s resolutions, hoping to spark positive change.
In this newsletter, we are going to suggest some financial planning resolutions to the three generations of our fictitious family, the Smiths, and look at what steps they can take to keep those resolutions.
Financial Planning Reviews - Part II
Following on from last month’s newsletter when we looked at the first part of how to conduct an effective financial planning review, in this month’s newsletter we look at how we manage the asset allocation, fund selection and tax planning within a typical investment and pension portfolio.
Financial Planning Reviews
As we move into November and approach the end of another calendar year, we thought it would be good timing to start to consider how best to carry out financial planning reviews.
We see a comprehensive review being split into two stages. The first is a reflection on a client’s current personal and financial circumstances, their aims and aspirations for the future and their evolving financial planning priorities. In a way, it is a high level, strategic view of how the overall plan is progressing.
Planning for Emergencies
The travails with Thomas Cook and the troubles that many must be going through in reorganising their holidays has given us the prompt that it might be a good idea to focus this month’s newsletter on keeping an emergency fund within our overall financial planning strategy.
Understanding Compounding
Compounding is a subject we have not featured at all in any previous newsletters over the last 15 years. Why not?
It is probably because we have been lulled into taking it for granted and assuming that clients fully understand the advantages and disadvantages of compound interest.
So, let’s take the opportunity to put things right.
The Smith Grandparents and Equity Release
The equity release market in the UK has doubled in size in just three years with retired homeowners releasing £3.6 billion in new property wealth in 2018, up from £3.01 billion the year before – a 19% increase. These are the figures arising solely from the sale of equity release schemes, not taking into account equity being released by homeowners downsizing.
Therefore, we thought it was timely to use this month’s newsletter to look at the equity release decision-making process and personalise this by looking at the considerations taken into account by the grandparents of our fictional family, Harvey and Maggie Smith.
The Smith Family: Personal Finance Portal (PFP)
In this month’s newsletter, we take a look at how three generations of the Smith family are using our Personal Finance Portal (PFP).
The Smith Family: the third generation savings for the grandchildren
In this month’s newsletter, our focus turns to the younger members of the Smith family. We are looking at the scenario where their parents and grandparents are considering making savings for their benefit.
The Smith Family: the next generation planning for retirement
In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.
Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.
We hope that this will help to make the issues we cover more ‘real’ and meaningful.
Introducing the Smith Family and the Grandparents' Cash Accounts
In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.
We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.
Prenuptial Agreements
Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.
We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.
Death planning for the younger generation
Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!
In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.
5 New Year Financial Planning Resolutions
The start of a New Year is a popular time to make a resolution to live our lives differently.
But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!
In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.
Active and Passive Fund Management
As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.
In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.
Fund and Administration Charges Explained
In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.
Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees.
Our Annual Client Survey
We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.
We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.
So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.
We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.
The Cost of Advice
In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.
We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.
We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.
As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter
Behavioural Finance
In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.
The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.
But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.
This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.
Selecting Individual Funds
The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.
We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.
Wedding Plans
In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.
Preserving wealth through generations.
The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.
General Data Protection Regulation
We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.
Understanding Fixed Interest Securities
Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.
Newsletter December 2017 - PFP Premium
In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.
In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.
November 2017 Newsletter - Personal Finance Portal
Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.
You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.
These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader
Newsletter
Our current Newsletter:
As we move into November and approach the end of another calendar year, we thought it would be good timing to start to consider how best to carry out financial planning reviews.
We see a comprehensive review being split into two stages. The first is a reflection on a client’s current personal and financial circumstances, their aims and aspirations for the future and their evolving financial planning priorities. In a way, it is a high level, strategic view of how the overall plan is progressing.
Previous Newsletters
Planning for Emergencies
The travails with Thomas Cook and the troubles that many must be going through in reorganising their holidays has given us the prompt that it might be a good idea to focus this month’s newsletter on keeping an emergency fund within our overall financial planning strategy.
Understanding Compounding
Compounding is a subject we have not featured at all in any previous newsletters over the last 15 years. Why not?
It is probably because we have been lulled into taking it for granted and assuming that clients fully understand the advantages and disadvantages of compound interest.
So, let’s take the opportunity to put things right.
The Smith Grandparents and Equity Release
The equity release market in the UK has doubled in size in just three years with retired homeowners releasing £3.6 billion in new property wealth in 2018, up from £3.01 billion the year before – a 19% increase. These are the figures arising solely from the sale of equity release schemes, not taking into account equity being released by homeowners downsizing.
Therefore, we thought it was timely to use this month’s newsletter to look at the equity release decision-making process and personalise this by looking at the considerations taken into account by the grandparents of our fictional family, Harvey and Maggie Smith.
The Smith Family: Personal Finance Portal (PFP)
In this month’s newsletter, we take a look at how three generations of the Smith family are using our Personal Finance Portal (PFP).
The Smith Family: the third generation savings for the grandchildren
In this month’s newsletter, our focus turns to the younger members of the Smith family. We are looking at the scenario where their parents and grandparents are considering making savings for their benefit.
The Smith Family: the next generation planning for retirement
In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.
Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.
We hope that this will help to make the issues we cover more ‘real’ and meaningful.
Introducing the Smith Family and the Grandparents' Cash Accounts
In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.
We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.
Prenuptial Agreements
Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.
We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.
Death planning for the younger generation
Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!
In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.
5 New Year Financial Planning Resolutions
The start of a New Year is a popular time to make a resolution to live our lives differently.
But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!
In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.
Active and Passive Fund Management
As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.
In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.
Fund and Administration Charges Explained
In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.
Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees.
Our Annual Client Survey
We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.
We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.
So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.
We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.
The Cost of Advice
In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.
We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.
We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.
As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter
Behavioural Finance
In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.
The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.
But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.
This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.
Selecting Individual Funds
The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.
We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.
Wedding Plans
In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.
Preserving wealth through generations.
The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.
General Data Protection Regulation
We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.
Understanding Fixed Interest Securities
Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.
Newsletter December 2017 - PFP Premium
In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.
In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.
November 2017 Newsletter - Personal Finance Portal
Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.
You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.
These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader
Newsletter
Our current Newsletter:
In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.
Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.
We hope that this will help to make the issues we cover more ‘real’ and meaningful.
Previous Newsletters
Newsletter
April 2019
In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.
We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.
Newsletter
Prenuptial Agreements
Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.
We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.
Newsletter
Death planning for the younger generation
Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!
In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.
Newsletter
5 New Year Financial Planning Resolutions
The start of a New Year is a popular time to make a resolution to live our lives differently.
But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!
In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.
Newsletter
Active and Passive Fund Management
As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.
In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.
Newsletter
Fund and Administration Charges Explained
In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.
Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees.
Newsletter
Our Annual Client Survey
We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.
We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.
So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.
We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.
The Cost of Advice
In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.
We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.
We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.
As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter
Behavioural Finance
In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.
The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.
But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.
This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.
Selecting Individual Funds
The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.
We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.
Wedding Plans
In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.
Preserving wealth through generations.
The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.
General Data Protection Regulation
We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.
Understanding Fixed Interest Securities
Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.
Newsletter December 2017 - PFP Premium
In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.
In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.
November 2017 Newsletter - Personal Finance Portal
Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.
You can download the latest Newsletter here , or any of the Breed Elliott LLP newsletters that you may have missed.
These are all Adobe Acrobat portable files, for which you will need a reader application. Most systems will now open these without additional software. If you do need a reader, Click here to download a free copy of Acrobat Reader
Newsletter
Our current Newsletter:
In last month’s newsletter, we introduced you to Harvey and Maggie Smith, the grandparents of our fictional family.
Our plan is to ‘drop in’ on various members of the family each month to see if we can help them to tackle a variety of financial planning challenges that they face from time to time.
We hope that this will help to make the issues we cover more ‘real’ and meaningful.
Previous Newsletters
Newsletter
April 2019
In this, our 160th consecutive monthly newsletter, we have decided to adopt a new means of keeping our clients informed of matters relating to their overall financial planning.
We have designed a fictional family, the Smiths, whose ever-changing circumstances will enable us to cover a wide range of financial planning topics, aiming to provide relevance to the different generations.
Newsletter
Prenuptial Agreements
Following on from our newsletter in February which looked at various factors that the younger generation should consider when contemplating the unlikely prospect of their premature death, we thought a natural progression from this would be to look at prenuptial agreements.
We hope that the newsletter provides some helpful advice for those who might be considering a ‘pre-nup’.
Newsletter
Death planning for the younger generation
Not the cheeriest title, we’ll grant you, but we couldn’t think of anything more pithy!
In this newsletter, our aim is to provide some ideas for the younger generation (18-50 year olds ish) to ponder when considering the implications of dying prematurely.
Newsletter
5 New Year Financial Planning Resolutions
The start of a New Year is a popular time to make a resolution to live our lives differently.
But forget faddy diets or joining the gym, our advice could leave you better off for many New Years to come!
In this newsletter we have listed a few simple pointers for how you might manage your money more effectively and improve your personal finances.
Newsletter
Active and Passive Fund Management
As investors, we can choose from two main strategies to generate returns from our portfolio: active and passive fund management.
In this newsletter, we explain the main differences between active and passive fund management with the aim of helping you to understand which is best and right for you.
Newsletter
Fund and Administration Charges Explained
In September’s newsletter, we provided an insight into the fees we charge our clients for both our initial help and advice when implementing an investment strategy and for the ongoing monitoring and reviewing of financial plans and investment portfolios.
Continuing this desire to keep you fully informed, we are devoting this month’s newsletter to considering the two other areas where investors have costs to pay in addition to those for advice. These are fund management charges and administration fees.
Newsletter
Our Annual Client Survey
We have now completed our analysis of our 13th annual client survey and thought it would be sensible to use this newsletter to provide feedback from this analysis to our clients.
We are all becoming familiar with service providers bombarding us with requests for feedback via text messages every time we call them to ask for some of their wonderful ‘service’! We are very aware that people can easily become fed up of constantly being asked to respond to these surveys.
So, in the first instance, the purpose of this newsletter is to explain why we feel it is important for us to carry out a client survey every year.
We will then go on to look at this year’s survey, the feedback received and explain how we have already or how we plan to use this to make further improvements to our business.
The Cost of Advice
In this month’s newsletter, we are going to provide an insight into the fees we, at Breed Elliott, charge our clients for advice.
We will remind you how we charge for our advice and see how our costs compare with other firms in our profession.
We will then consider the service provided in return for these costs and the benefits we believe our clients receive in return.
As a firm, one of our guiding principles is the concept of win/win and we are very keen to ensure that both our clients and ourselves gain mutual benefit from our relationship. We hope this comes across in this newsletter
Behavioural Finance
In this newsletter, we aim to provide a practical introduction to behavioural finance and highlight the potential lessons for successful investing.
The behavioural biases we discuss are ingrained aspects of our human decision-making processes. Many of them have served us well as ways of coping with day-to-day choices.
But, they may be unhelpful for achieving success in long-term activities such as investing. We are unlikely to find a ‘cure’ for the biases, but if we are aware of them and their potential impact, we can avoid the major pitfalls.
This newsletter focuses on learning about our own biases, so that we can make smarter investment decisions.
Selecting Individual Funds
The purpose of this month’s newsletter is to explain how we go about selecting individual fundsto hold in clients’ portfolios. As you already know, we believe that asset allocation is the most important factor in determining the future returns from any given investment portfolio.
We also believe thatcarefully managing the mix of assets in an investment portfolio is an important part of how we add value to a client’s overall financial planning in the long-term.
Wedding Plans
In this newsletter, we provide some personal financial planning tips to include within the overall wedding plans. We appreciate that much of this may be old news to you, the reader, but you may want to pass it on to a child or grandchild who is planning for their special day.
Preserving wealth through generations.
The purpose of this newsletter is simple. It is to provide food for thought for how we can become one of the minority and successfully preserve our wealth through future generations.
General Data Protection Regulation
We made brief mention about GPDR in our January newsletter. We are sure that you are being contacted by all sorts of different organisations as the enforcement date of the legislation approaches. So we thought we would take the opportunity in this months newsletter to explain more about GDPR.
Understanding Fixed Interest Securities
Most investors are aware that there are four main types of asset that are held within a typical investment portfolio. These are cash, fixed interest securities, property and equities. There may sometimes be alternative assets such as commodities but it is the four main asset classes which dominate.
Newsletter December 2017 - PFP Premium
In this month’s newsletter, we will explain how, after a little initial effort, you can keep an accurate record of your expenditure by using PFP Premium.
In our experience, one of the biggest causes of worry when it comes to personal financial planning is that people do not have a clear and accurate understanding of how much they spend and what they spend it on. Therefore, calculating how much income they might require in the future becomes something of a guessing exercise.
November 2017 Newsletter - Personal Finance Portal
Our long-term objective is for all of our clients to feel entirely comfortable with PFP and to view the Portal as one of their most regularly visited websites. We believe that this will strengthen our relationship and add value to your personal financial planning.