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Inflation and interest rates – a guide for cash savers

 Josh Gupta, CFP™ Chartered MCSI
Chartered Wealth Manager/Planner Posted in Fiducia News, Financial Advice (+4 more), on 22.02.21 Read

What can be said about inflation and interest rates? The numbers speak for themselves. The Bank of England current base rate is 0.1% and target inflation rate is 2%.

In other words, if you were to start with £50,000, based on an inflation rate of 2% per year, the estimated value of your money in ten years’ time might be £41,017.

Even though the current inflation rate is 0.6% (down from 2.75% in 2017), it’s...

Tax year end planning 2019 – our top 10 checklist

 Fiducia Wealth Management Posted in Inheritance Tax, BPRA | Inheritance Tax | Fiducia Wealth Management (+9 more), on 15.02.21 Read

The past year has been incredibly unpredictable, but one thing that’s guaranteed is taxes. We know that the emotional strain of ‘Covid fatigue’ has only exacerbated financial worries but financial planning leads to peace of mind. Believe us, that’s what we do.

With tax year end just around the corner, one way to relieve any unnecessary anxiety is to get any tax year planning in order. February is a good...

Fund Manager Q&A: Royal London Sustainable Trust

 Fiducia Wealth Management Posted in Investing, ESG (+3 more), on 08.02.21 Read

As part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a little insight into the strategies of some of the managers within our portfolios. With the financial marketplace experiencing such unprecedented upheaval our Investment Committee is working continuously to adapt our portfolios to accommodate and protect against the global fluctuations and...

Pension planning – Defined Benefit transfer advice

 Richard Heath, Director & Senior Paraplanner Posted in Final Salary Pensions, Financial Advice (+4 more), on 01.02.21 Read

What is a DB or Final Salary Pension?

Broadly there are two types of pensions, Defined Contribution (DC) and Defined Benefit (DB).  The former is where you (and often your employer) pay a monthly amount into a pension pot.  The funds are invested and the pension which you can draw in retirement will depend on how much you put in and the growth that you get on the funds.  This is by far the more commonplace and...

Josh Gupta attains Fellowship status with the CISI

 Fiducia Wealth Management Posted in Fiducia News, Awards (+2 more), on 19.01.21 Read

What doesn’t get measured doesn’t improve.

Chartered wealth manager Josh Gupta is a great believer in this adage and this month demonstrated his own commitment to continued professional development by attaining Fellowship status.

Fellowship involves completion of advanced professional programme and establishes in-depth knowledge. It also demonstrates the ongoing commitment to professional development, which...

Fiducia chooses Citizens Advice Colchester (CAC) as their Charity of the Year

 Fiducia Wealth Management Posted in Fiducia News, Charity on 25.01.21 Read

We are very pleased to announce that our chosen charity for 2021/2 is Citizens Advice Colchester (CAC). CAC was founded in 1939 to help the people of Colchester and its surrounding area cope with the challenges of war. The times and the problems change but CAC is still with us and still helping local people. For many years, Fiducia has positioned itself and its values at the very centre of our clients’ lives,...

Fiducia is nominated for the City of London Wealth Management Awards (COLWMA)

 Fiducia Wealth Management Posted in Fiducia News, Awards on 18.01.21 Read

As a Chartered, multi-award-winning firm, we are continually striving to not only maintain our status but to rise above and challenge ourselves in terms of our standard of service. This is especially important in a profession in which transparency and trust determine reputation.  As a company offering investment services, Fiducia Wealth Management Limited was nominated in the City of London Wealth Management...

New Year, New Approach?

 Susie Laws, Director & Chartered Financial Planner Posted in Investing, ESG (+4 more), on 05.01.21 Read

You can’t go far in our modern world without reading or hearing about the shift in attitudes towards “ESG” investing.  You might wonder, ‘what is ESG investing’ and why should I take notice?

Firstly, ESG stands for Environmental, Social, and Governance. Investopedia defines these as:

“Environmental, social and governance (ESG) criteria are a set of standards for a company’s operations that socially...

Lessons Learned from 2020 – wealth wisdom for a happier New Year

 Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+1 more), on 07.12.20 Read

As this unprecedented year draws to a close and world continues to struggle with the financial and economic fallout of the COVID-19 pandemic, there’s no question that it has served as a financial wake-up call for many. Even those who will emerge relatively unscathed from a financial perspective have not escaped the worry and anxiety that accompanies living through challenging times. While investors have...

The Artistic Elves – the winners

 Fiducia Wealth Management Posted in Fiducia News on 14.12.20 Read

Last month we launched a competition to design Fiducia’s Christmas cards for 2020 and called upon our clients and friends to recruit some artistic elves.

Well, we’ve been inundated with sleigh-fulls of colourful, cheery and beautifully designed cards featuring Santas, Reindeer and Christmas trees, not forgetting the smart penguin, jolly snowman and the Fiducia logo Christmas tree baubles!

It’s certainly...

The value of advice: 4 benefits of using a financial adviser

 Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+3 more), on 14.12.20 Read

One of the most common concerns about using financial advice services is cost. It’s often because individuals are purchasing intangible items, such as the potential for better investment returns or, sadly, because much of the profession has been tarnished by a few players who’ve not showed transparency in fees.

However, the benefit of taking financial advice runs deeper than simply the potential for better...

Saving for a child today is a wonderful gift for their future

 Susie Laws, Director & Chartered Financial Planner Posted in Fiducia News, Financial Advice (+4 more), on 23.11.20 Read

We all know that it can be difficult for the next generation to achieve certain milestones and getting that first step on the housing ladder is probably the most obvious one.  When we work with our clients, we are often asked how they can put something aside for their children or grandchildren.

Recent research shows that, on average, parents in the UK are putting aside £42.45 a month for each child. Source: L&G...

Case Study: Defined Benefit Pension review

 Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+2 more), on 30.11.20 Read Background

Mr White (60 yrs.) approached Fiducia to conduct a review on his pension arrangements since he was not in the best of health and was considering taking early retirement. He had one small personal pension and one final salary pension. Mr White had very little knowledge on his retirement options and wanted some help to understand how his retirement was going to look.   He was not married and had no...
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Fiducia Wealth Management | 2021 February | Josh Gupta explains the retirement planning life journey Fiducia Wealth Management | 2020 December | An economic reflection on 2020 and a look to 2021 Fiducia Wealth Management | October 2020 | Where should I invest my money after Covid-19? Fiducia Wealth Management | September 2020 | Investing for the future Fiducia Wealth Management | September 2020 | Q&A Webinar | Financial Protection Fiducia Wealth Management | August 2020 | Defined benefit vs defined contribution pension? Fiducia Wealth Management | August 2020 | Benefits of diversification Fiducia Wealth Management | August 2020 | Q&A Webinar | Retirement Planning Fiducia Wealth Management | July 2020 | Q&A Webinar | IHT & Trusts Fiducia Wealth Management | An audience with economist Michael Hughes discussing the global outlook.