Volatility: What a drag!

Volatility’ is perhaps one of the more commonly used words in the investment dictionary. Put simply, volatility drag is a function of the cruel maths that govern the difference between average returns and compounded returns. Volatility: The Maths The idea is very simple, if a portfolio falls in value, it needs to work harder to […]


Yet more pension changes!

Next April the amount of pension scheme savings you are allowed to amass (excluding State entitlements) before they become subject to penal tax rates of up to 55% is set to reduce yet again.  This limit is known as the Lifetime Allowance. Initially this limit was set at £1.8m and has reduced to its present […]


Get Ready for Changes to Financial Advice

In Swindells Financial Planning’s recent article we provide you with Your Guide to Changes in Financial  Services.  In just a matter of days these changes will come into effect. At Swindells Financial Planning, of Seaford & Uckfield, Sussex, we believe in independent advice for all clients because we believe it is the only way to put your […]


The Pitfalls of Auto-Enrolment

On the 1st October 2012 the first round of employees will be automatically enrolled into qualifying workplace pension schemes or the Government back NEST (National Employment Savings Trust). Auto-enrolment has started with the UK’s largest employers with gradually smaller and smaller firms following suit over the coming months. Whilst ensuring people save towards their retirement […]


The Annuity Purchase Decision

When looking to secure a retirement income via an annuity, many people face the difficult task in deciding when and how to arrange this.  Should it be taken immediately or is waiting a few years hoping for a higher income in the future the right decision? Swindells Financial Planning, based in Seaford & Uckfield, Sussex, […]


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Navigating the care home system

What you need to know about looking for a care home Funding and sourcing Long Term Care is becoming a major concern not just for those about to require Long Term Care and navigating the pitfalls of the State system, but also for children forced into sourcing what they hope will be suitable care for […]

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Volatility in global stock markets

Here’s one final word on the recent volatility in Global stock markets. As always, Carl Richards put this into context with one of his graphics and a few words… Normal Can Feel Scary… Imagine being in a boat in the ocean on a very still day. No wind. No swell. The water is as flat […]

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Putting the current stock market decline in context

There’s no doubt hyperbolic headlines depicting the recent falls on the world’s financial markets are potentially anxiety-inducing. With the FTSE 100 Index falling to its lowest level since April 2017, the effect of the headlines is to promote a sense of uneasiness; we’re here to remind you that this shouldn’t be the case. Instead of […]

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Inheritance Tax is an avoidable tax

It is often said that Inheritance Tax is an avoidable tax, but many of us somehow fail to avoid it. Why is this? In our experience, clients’ failure to plan effectively is a result of the following perceived problems: Speed – How often will the thought of having to survive 7 years from the date […]

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