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2018 Spring Newsletter

Spring is the season of change and it seems that is exactly what is happening at the start of 2018. You may notice that our newsletter has had a facelift and we are also about to launch our new website which includes a brief video on what we do.

The Spring Budget has been replaced by a streamlined Spring Statement, bedding in a new timetable for changes to taxes. We are now starting to see the effects of changes announced in previous years, with the State Pension Age, increases to auto-enrolment minimum pension contributions for employers and employees and the Lifetime Allowance for pension savings all rising – meaning now is a good time for you to review your retirement planning.   If you have invested in residential property the way tax reliefs work is also changing, and this is not likely to be to your advantage!

With the government focused on the Brexit negotiations, the move gives them time to focus on more pressing matters, but it also represents a new way of handling changes to taxation. The shift to autumn Budgets means there is now more time to plan and take into account new tax announcements.

In this Spring edition of our client magazine we summarise the core tax allowances and planning opportunities you can take advantage of.

 

2018 Spring Newsletter

Latest news

Market Update - April 2018

The first quarter of 2018 will probably be remembered, amongst investors, for the rebirth of volatility in financial markets, the beginning of major questions around some major tech stocks (Amazon, Facebook, etc.), and losses (in sterling terms) for equity, property and bond markets. With valuations that were already looking stretched, some have opined that markets were literally looking for a reason to fall, and we would not disagree.

Our opinion on market valuations has not really changed. The same places still look expensive, notably the US equity markets, but the re-rating of tech stocks in March doesn't make the rest of the market look any more compelling and in historic terms, the losses were relatively small. We expect global growth to be somewhat lower than the consensus in the next couple of years, but at the same time we expect more intervention from central banks which could be market positive.

Market Update - April 2018

  

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Heron Road
Belfast
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Telephone. 028 90 996164
Email. enquiryasmfinancialplanning.com