Robert Milne Financial Advisers Ltd

Assistant to Practice Manager. Producing reports and client management.

Internet has crashed in our area and sadly not expected back on until after lunch. Apologies for the inconvenience.

Take a few moment to use this calculator to gain an understanding of your expected retirement fund.
A useful tool

Retirement calculator - MSN Money Use our retirement calculator to determine if you will have enough money to enjoy a happy and secure retirement.

Worrying times ahead or creating opportunity for people to move within a sensible price range?

UK house prices falling for first time since June, says Halifax Squeeze on real wages and economic uncertainty are continuing to put potential house buyers off, says lender

What should my retirement saving look like?

A question that we are regularly asked and this depends on several factors such as: 1: Age of retirement 2: Standard of living in expected retirement 3: Life expectancy

Fidelity pensions have released a basic guide as to what they believe the savings pattern should look like. (see attached)

Compare this to your current pension pot to see if you are on target.

Also don't forget the state pension, this will supplement any personal pension plans or investments for retirement you already have.

Anyone can get their own state pension forecast by signing up here: • https://www.gov.uk/check-state-pension

Please contact us if you require assistance with your pension planning.

Have a good weekend!!

Check your State Pension - GOV.UK

3 Budget Highlights:

* First time buyers of residential
property outside Scotland will
pay no stamp duty land tax
on the first £300,000 of the
purchase price for a home,
provided its value does not
exceed £500,000.

* The personal allowance will
rise to £11,850 and the higher
rate tax threshold for the UK
(excluding non-savings, nondividend
income in Scotland)
will rise to £46,350 for
2018/19.

*The pension lifetime allowance
will be increased from £1
million to £1.03 million
from April 2018. There will
be no change to the annual
allowance.

Hope you all have a great weekend !

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Thanks to all.
We aim to provide valuable and useful information to assist as many people as possible with financial decisions they may needs guidance on.
If there is anything specifically you would like us to produce information on please let us know and we will make it happen.
Expect a post every week on to keep you up to speed with current issues.

Robert Milne Financial Advisers Ltd We are professional financial advisers, with a depth & breadth of knowledge & expertise to provide p

Investment Market Update
October saw a continuation of the strength seen in stock markets over the year as the global economic environment remained supportive, particularly for risk assets. Equity markets continued to deliver positive returns and outperformed fixed income assets/bonds, with notable outperformance coming from Japanese and Asian equities. Fixed income returns were positive but much lower than equity returns over the month, across both government bonds and corporate bonds.

Markets continued to digest a supportive mix of broad economic growth and low inflation at the global level. Global inflationary trends remain subdued and we continue to be in an environment of non-inflationary growth – an attractive prospect for financial markets.

In the UK however, some evidence of growing inflationary pressure increased the likelihood of a November rate rise, leading to slightly higher bond yields and depressing UK fixed income returns generally. In Europe, monetary policy is beginning to diverge from the UK position slightly as the ECB announced an extension to its quantitative easing programme, albeit at lower levels of support.

The prospect of President Donald Trump's tax reform plans helped whet the appetite of US investors over the month. Although nothing has been announced formally, investors seem optimistic about the chances of favourable reform proposals and economic outlook generally. In Japan, Prime Minister Shinzo Abe's ruling coalition comfortably won another majority in a snap election, helping to boost investor sentiment in the country.

http://www.bbc.co.uk/news/business-41412498

Millions may lose promised pensions Three million people in defined benefit schemes have a 50/50 chance of promised payouts, a study says.

A good article on what to consider when investing... It's not as simple as Passive vs Active...

http://www.marketwatch.com/story/forget-active-or-passive-investing-focus-on-this-instead-2017-08-08

Forget ‘active’ or ‘passive’ investing. Focus on this instead The active vs. passive debate is flawed. Consider these other comparisons for better investment results.