Independent financial advice
in Nottingham & the East Midlands

Veracity Managed Portfolio's Analysis 09/09/2017

Please click on the link below to view this months Portfolio performance analysis against various benchmarks.

pdf170909_Veracity_Portfolio_Analysis.pdf
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St James Place (SJP) criticised by Which

St James's Place Criticised by Which
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Are you affected by the state pension rising to age 68?

21/07/2017 - Yes if you are aged between 39 and 47 today.
Based on the new plan, those born since April 6 1970 and April 5 1978 will be included as well. This includes both men and women.
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The cost of a Big Mac in the year 2060

The fluctuation in price of a big mac has stayed remarkably close to inflation since the 1970’s

In 1974 the cost of a big Mac was £0.65
IN 2017 the cost of a big Mac was £2.99

So, over 43 years the cost has increased by 460%

Today in the year 2017
- the average salary across the UK is £27,600
- the average house price across the UK is £207,000
- the average household expenditure in the UK is £528.00 per week

In 43 years time it will be the year 2060, personally, potentially, I will be 93 years old and my youngest son will be 58 years old

If inflation has roughly the same effect over the next 43 years

In the year 2060
- a Big Mac will cost £13.75
- the average salary across the UK is £126,960
- the average house price across the UK is £952,200
- the average household expenditure in the UK is £2,428.00 per week

With luck I will have retired at age 67 in the year 2033 when Big Macs cost £6.99
The question is…. will my income when I have stopped working (my pension income) cope with the rise in the cost of living pension from when I am aged 67 to when I am aged 93
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Veracity Managed Portfolio's Analysis 01/07/2017

Please click on the link below to view this months Portfolio performance analysis against various benchmarks.

Veracity Portfolio Analysis
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Veracity Managed Portfolio's Analysis 01/06/2017

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.

The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD….

VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100
……………
FTSE
250
…………….
AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +3.02% +2.61% +2.96% +2.80% +3.72% +0.84% +1.90% +2.70% +3.00%
3 MTHS +3.99% +3.28% +3.08% +2.81% +1.86% +5.21% +2.80% +3.90% +4.60%
6 MTHS +10.42% +9.35% +10.70% +10.21% +11.36% +14.14% +7.50% +10.0% +12.40%
1 YEAR +19.85% +18.68% +24.57% +27.84% +21.57% +17.07% +12.70% +17.90% +25.70%
3 YEAR +40.73% +31.12% +38.95% +32.57 +9.65% +24.17% +19.80% +26.60% +36.50%
Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)


*Please log into the blog section of our website and subscribe to our blog, if you would like to receive a copy of the above by email, with the monthly updated portfolio performance figures.
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Veracity Managed Portfolio's Analysis 01/04/2017

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.

The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD…. VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100
……………
FTSE
250
…………….
AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +0.81% +0.94% +1.24% +1.24% -(0.81)% -(0.06)% +0.90% +1.20% +1.40%
3 MTHS +3.21% +4.08% +5.56% +5.90% +2.02% +4.48% +3.10% +4.30% +5.80%
6 MTHS +4.44% +5.81% +8.57% +8.81% +4.86% +4.34% +4.70% +6.50% +9.10%
1 YEAR +12.39% +15.98% +22.67% +26.74% +18.79% +12.63% +10.70% +14.90% +22.20%
3 YEAR +28.63% +29.32% +38.44% +31.93 +9.97% +15.63% +19.60% +25.40% +33.80%










Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)


*Please log into the blog section of our website and subscribe to our blog, if you would like to receive a copy of the above by email, with the monthly updated portfolio performance figures.
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Veracity Managed Portfolio's Analysis 01/03/2017

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.

The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD…. VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100
……………
FTSE
250
…………….
AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +2.23% +2.48% +2.82% +3.34% +2.50% +2.90% +1.90% +2.50% +3.10%
3 MTHS +4.65% +5.66% +7.56% +7.37% +8.74% +7.76% +4.50% +5.80% +7.50%
6 MTHS +3.84% +5.48% +8.94% +9.52% +6.15% +4.29% +4.20% +6.10% +9.30%
1 YEAR +14.50% +17.41% +23.45% +30.02% +19.39% +10.13% +11.20% +15.90% +24.30%
3 YEAR +28.06% +28.01% +35.17% +31.39% +9.09% +14.63% +18.30% +23.70% +31.30%










Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)


*Please log into the blog section of our website and subscribe to our blog, if you would like to receive a copy of the above by email, with the monthly updated portfolio performance figures.
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Savings - tax-free interest allowances

Personal Allowance - £11,000 of earnings
Starting Rate For Savings – Up to £5,000 - If your earnings are less than £16,000 (reduces by £1 for each £1 of earnings above the personal allowance;  ie: if you earn £14,000 you have £2,000 starting rate of savings)
Personal Savings Allowance - depending on your Income Tax band (£1,000 Basic Rate & £500 Higher Rate) in addition to the Starting Rate for Savings

Savings Allowance applies to interest from:
- Bank, Building Society & Credit Union Accounts
- Unit Trusts, Investment Trusts and OEICs
- Peer-to-Peer lending
- Government or Company Bonds
- Annuity Payments
- some Life Insurance Contracts.
Savings already in tax-free accounts like Individual Savings Accounts (ISAs) and some National Savings and Investments accounts don’t count towards your allowance.

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Solar Panels Cause Big Borrowing Problems

New clients approached me to help them release equity from their property in order to repay an outstanding mortgage - with no other way to repay it. Unfortunately they had purchased solar panels some years earlier and the equity release providers will not lend because the lease on the solar panels is not compliant with the Council of Mortgage Lenders requirements. The Solar Panel provider refuses to make the lease compliant and therefore the client is unable to obtain equity release with no other way of repaying their interest only mortgage.
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Significant increase in interest in our ethical investment portfolio's

We have a range of managed ethical portfoilio's which we have seen considerable increased interest in, in recent months. Come and have a chat with us about what we can offer you, where ethical issues, are important to you when saving or investing, or if you would prefer your pension monies to be invested ethically.
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Just for a laugh - remember this?

The Guardian Headline 12th Jan 2016: "Sell everything ahead of stock market crash, say RBS economists".

I do believe anyone sensibly invested since then, has pretty much achieved in the region of about 20%+ growth since then!

I wonder how many people cashed out to that wonderful piece of journalism!

But of course the journalist bears no responsibility for what they say.
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Veracity Managed Portfolio's Analysis 03/02/2017

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.
The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD….

VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100
……………
FTSE
250
…………….
AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +0.14% +0.65% +1.54% +1.34% (-1.10%) +0.43% +0.20% +0.60% +1.40%
3 MTHS +0.64% +1.10% +1.90% +1.49% +2.63% +4.33% +0.80% +0.90% +1.50%
6 MTHS +3.13% +4.44% +6.65% +6.18% +6.05% +1.94% +3.50% +4.70% +7.30%
1 YEAR +13.10% +16.15% +23.31% +31.03% +17.15% +12.74% +10.00% +14.20% +22.40%
3 YEAR +29.52% +28.25% +36.08% +31.45% +9.80% +8.67% +18.80% +24.00% +31.50%








Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)


*Please log into the blog section of our website and subscribe to our blog, if you would like to receive a copy of the above by email, with the monthly updated portfolio performance figures.
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Treat forecasts with extreme caution

Remember - No matter how certain someone may seem ........ no one has any idea what will happen to the markets in the year ahead.
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Veracity Managed Portfolio's Analysis 03/01/2017

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.
The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD….

VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100……………
FTSE
250…………….

AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +3.85% +4.25% +5.03% +4.63% +5.87% +3.68% +3.1% +3.70% +4.5%
3 MTHS +1.19% +1.66% +2.85% +2.71% +0.97% (-0.58%) +1.50% +2.10% +3.1%
6 MTHS +5.51% +6.82% +8.89% +9.36% +9.51% +12.17% +5.50% +7.10% +10.2%
1 YEAR +9.72% +11.96% +16.70% +23.31% +17.22% +5.07% +7.30% +9.60% +14.80%
3 YEAR +28.72% +26.56% +32.23% +26.15% +6.12% +12.64% +17.40% +21.50% +27.20%








Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)
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Veracity Managed Portfolio's Analysis 01/12/2016

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.

The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD…. VERACITY
CAUTIOUS
PORFOLI…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100……………
FTSE
250…………….
AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH (-1.71%) (-1.93%) (-2.48%) (-2.34%) (-1.93%) +0.13 (-1.60%) (-2.30%) (-2.80%)
3 MTHS (-0.80%) (-0.16%) +1.38% +2.00% +0.56% (-1.70%) (-0.30%) +0.30% +1.70%
6 MTHS +6.35% +8.58% +12.67% +16.19% +9.56% +2.75% +4.80% +7.20% +11.90%
1 YEAR +7.08% +9.34% +13.78% +20.06% +6.07% +0.17% +4.80% +7.00% +11.90%
3 YEAR +26.79% +24.24% +29.32% +22.71% +2.86% +14.42% +15.4% +19.2% +24.4%








Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)


*Please log into the blog section of our website and subscribe to our blog, if you would like to receive a copy of the above by email, with the monthly updated portfolio performance figures.
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Veracity Managed Portfolio Performance 01/11/2016

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.
The Adviser Fund Index (AFI) provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD…. VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100……………

FTSE
250…………….

AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +0.69% +1.21% +2.48% +2.57% (-0.42%) (-1.83%) +0.9% +1.8% +3.0%
3 MTHS +2.48% +3.31% +4.67% +4.62% +3.89% +2.36% +2.6% +3.8% +5.7%
6 MTHS +8.26% +10.74% +15.21% +18.19% +12.43% +4.87% +6.5% +9.5% +15.0
1 YEAR +9.93% +12.23% +18.29% +24.33% +9.31% +2.19% +7.4% +10.7% +16.6%
3 YEAR +28.49% +26.19% +31.96% +23.22% +3.26% +13.33% +16.7% +21.3% +27.2%








Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)
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Life Insurance Premiums Declined or Increased due to weight?

If you are applying for life cover, critical illness cover or income protection, weight is a key area of underwriting, as it can contribute to future health problems.

- Most insurers assess your weight according to your height, using BMI (Body Mass Index) calculations, a BMI of 30+ would usually increase your premiums, but if there are other health issues, such as high blood pressure, premium increases can occur below a BMI of 30.

Insurers expect people to carry more weight as they get older, so age is also a factor.
For example
- Premiums for a 30-year-old may start to be increased when BMI exceeds 33 for critical illness or 34 for life cover.
- Premiums for a 50-year-old may start to be increased when BMI exceeds 36 for critical illness or 37 for life cover.

You can check your Body Mass Index at the NHS website nhs.uk/bmi.

General BMI Considerations for Insurance
Healthy weight - 18.5 to 24.9
Overweight - 25 to 29.9
Obese - 30 to 39.9
Severely obese – 40+

Depending on the different underwriting stance of each insurer, premiums may be increased by 50% to up to 200% of the pre-underwriting quotation.
Or the Insurer may decline to take on the policy.

If you have concerns about this, speak to a specialist who can take the policy request to specialist insurers who may agree to give cover.
Contact Veracity on 01949 836173 to discuss.
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Increase you state pension with State Pension Top Up

You can get between £1 and £25 extra per week by applying to make a lump sum payment by 5 April 2017.
You must be entitled to the State Pension and be either:
• a man born before 6 April 1951
• a woman born before 6 April 1953
If you have gaps in your National Insurance record, it may be more cost effective to make voluntary contributions first.
Note the difference between the State Pension Top Up Scheme which increases missing S2P/Serps benefits and the Class 3 Voluntary NI Contribution scheme which tops up any missing Basic State Pension benefits.

On 12 October 2015 a scheme was introduced allowing pensioners to top up their additional State Pension (also known as SERPS or S2P, which is paid along with basic pension).
This scheme is called State Pension top up.
It is available to all pensioners who reached State Pension age before the introduction of the new State Pension on 6 April 2016.
The scheme will be open until 5 April 2017.
The State Pension top up gives pensioners an option to boost their pension by up to £25 a week, an index-linked return to protect them from inflation and offer protection to a surviving spouse or civil partner.
In particular, it could help some women, and some people who have been self-employed who have tended to have low earnings-related State Pension entitlement in the past.

Eligibility
You can choose to top up your State Pension if you are:
- a man born before 6 April 1951; or
- a woman born before 6 April 1953; and
- entitled to a UK State Pension

You can get the additional pension, known as State Pension top up, by paying voluntary Class 3A National Insurance contributions.
Applications can be made for the top up until 5 April 2017.
The main features of the State Pension top up are:
- a boost in your retirement income of up to £1,300 per year for life,
- an index-linked return,
- an income that, in most cases, may be inherited by a surviving spouse or civil partner.
There is more information about the inheritance rules for State Pension top up below.

How does it work?
You can choose to top up your State Pension by between £1 and £25 per week. How much you need to contribute depends on:
- how much extra pension you want to have each week; and
- how old you are when you make the contribution.
The contribution you need to make will depend on your age, with rates going down as you get older.

For example, to have an extra
£1 per week (£52 per year) State Pension for life, the lump sum contribution for a 65-year old would be £890, compared to £674 for someone who is 75.
The rates are included below.
There is an on-line calculator that shows the lump sum contribution you would need to pay to increase your state pension income.

Class 3 Voluntary National Insurance contributions
You may be aware that existing voluntary Class 3 National Insurance contributions allow people to fill gaps in their record to improve their basic State Pension entitlement.
If you have a shortfall in your basic State Pension, making Class 3 National Insurance contributions is likely to be more beneficial than the State Pension top up.
If you are interested in the top up you should first consider Class 3 National Insurance contributions.
You have the option of contributing to both Class 3 and State Pension top up if you wish.
Before paying voluntary National Insurance contributions you should also consider the impact on any income related benefits you receive, such as Pension Credit.
You may wish to seek financial advice when planning your income on retirement.

Cooling Off Period
There is a 90 day cooling off period, so you can ask for a refund of your State Pension top up contributions if you change your mind.
If you die within 90 days of making the contribution, a refund will be made to your estate.

Inheritance
Your State Pension top up may be inherited by your surviving spouse or civil partner in line with the arrangements for inheritance of additional State Pension under SERPS (additional State Pension built up before April 2002).
This means that, in most cases, between 50% and 100% may be inherited, depending on your date of birth.
The inherited top up will be payable immediately if your spouse or civil partner is already receiving their State Pension when they are widowed.
If they are under State Pension age when you die and they are entitled to Widowed Parent’s Allowance it will be paid as part of that benefit, or otherwise it will be payable when they get their State Pension.
There is a maximum amount of additional State Pension that can be paid to a surviving spouse or civil partner when both their own additional State Pension and any inherited additional State Pension are combined.
However, State Pension top up will not be included when the maximum amount payable to your surviving spouse or civil partner is worked out.
This means that they will receive the full inheritable amount of your top up (and any State Pension top up of their own) regardless of whether the cap applies.
Your spouse or civil partner will not be able to inherit your State Pension top up if:
- they are still under State Pension age when you die, and they remarry or form a new civil partnership before they reach State Pension age;
or your marriage or civil partnership starts on or after 6 April 2016 and your spouse or civil partner reaches State Pension age on or after that date.

Important information for Women
The scheme may be of particular interest to women, many of whom may have little, or no, additional State Pension entitlement.

Important information for Couples (including Self-Employed couples)
As long as they satisfy the rules for the scheme, both members of a couple can pay contributions.
If only one of a couple is going to pay the contributions, they may wish to consider:
- Taxation – spouse/civil partner of higher rate tax payer to make contributions instead of higher rate tax payer;
- Relative ages to each other.

Important information for Self- Employed
This scheme enables self-employed people with capital, whose contributions did not count for additional State Pension, to gain entitlement to it.

Living Overseas
People in receipt of a UK State Pension who live overseas can boost their State Pension with State Pension top up.
If they live in a country where cost of living increases are not paid, the top up amount will not be increased.

FREQUENTLY ASKED QUESTIONS
What happens to my State Pension top up if I have deferred my State Pension?
You can still make State Pension top up contributions if you have deferred taking your State Pension.
You will accrue increments until you decide to take your State Pension.
When you decide to claim your State Pension, any State Pension top up entitlement plus increments accrued will be paid.

Will I still be able to pay voluntary Class 3 contributions?
- If you satisfy the eligibility conditions and are within the time limits for paying you may choose to pay Class 3.
The State Pension top up will not replace the existing Class 3 Voluntary National Insurance contributions.
- Class 3 contributions can be paid to fill certain gaps in a person’s NI contribution record to improve basic State Pension and bereavement benefits only.
- If you are still eligible to pay Class 3 contributions, we strongly recommend that you check about paying these before making a State Pension top up contribution.
- State Pension top up is not right for everyone. It depends on your own contribution record and individual circumstances, such as whether you may be entitled to a State Pension from your spouse or civil partner’s contribution record.
- If you have a shortfall in your basic State Pension, paying Class 3 contributions are likely to be more beneficial in most cases.
If you then have a full basic State Pension eligibility, you may choose to make a contribution for a State Pension top up to boost your additional State Pension.
- You have the option of making both contributions if you wish.

Will State Pension top up go up each year?
Unless you live in a country where cost of living increases are not paid, it will be uprated each year automatically in line with the Consumer Price Index.

Will State Pension top up be taxable?
Yes - it counts as taxable income.

Will the additional State Pension have an impact upon my Pension Credit or other benefits?
The additional State Pension will have an impact on any current and future income related benefits including Pension Credit and any Housing Benefit.
Any increase in State Pension will be fully taken into account as extra income for these benefits – in some situations overall you might not be better off if you increase your pension.

Are the rates for the contribution the same whether I am married or not?
Yes, the rates are the same for single and married/civil partnered people.

Can both my spouse/civil partner and I make voluntary contributions for State Pension top up?
- Yes. It is available to people on an individual basis.
- You are eligible to make State Pension top up if you are:
- a man born before 6 April 1951, or
- a woman born before 6 April 1953, and
- entitled to a UK State Pension.

Why do the State Pension top up rates differ on age?
Rates are the same for both men and women but they differ according to the age of the person making the contribution.
The rates are calculated on average life expectancy for each specific age and will be based on the age of the person at the time they make their contribution.

Application process
You can apply online or Telephone: 0345 600 4270 Monday to Friday, 8am to 8pm; Saturday, 8am to 4pm

These are the costs payable for each £1 of additional pension per week (£52/year)

Age £1/week Age £1/week
62 (women only) £956 82 £484
63 (women only) £934 83 £454
64 (women only) £913 84 £424
65 £890 85 £394
66 £871 86 £366
67 £847 87 £339
68 £827 88 £314
69 £801 89 £291
70 £779 90 £270
71 £761 91 £251
72 £738 92 £232
73 £719 93 £216
74 £694 94 £200
75 £674 95 £185
76 £646 96 £172
77 £625 97 £159
78 £596 98 £148
79 £574 99 £137
80 £544 100 £127
81 £514    

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Veracity Managed Portfolio's Analysis 01/10/2016

This analysis compares our Main Managed Portfolio’s against benchmarks and is available once a month.

The (AFI) Adviser Fund Index provides a benchmark against which the investment community can compare fund portfolio performance.
The AFI Panel is a representative group of the leading UK financial advice firms.
The FTSE 100 is the “Headline” index seen on the daily news and will often compare to lower cost ‘UK tracker funds’

PERIOD….

VERACITY
CAUTIOUS
PORFOLIO…...      
VERACITY
BALANCED PORFOLIO…..
VERACITY GROWTH PORFOLIO…… VERACITY SPECULATIVE PORFOLIO……. FTSE
100…………
FTSE
250…………….
AFI          
CAUTIOUS PORFOLIO……
AFI
BALANCED PORFOLIO….
AFI
AGGRESSIVE PORFOLIO…….
1 MTH +0.67% +1.04% +2.03% +2.32% +2.27% +0.09% 0.80% 1.30% 2.10%
3 MTHS +6.05% +7.21% +8.44% +9.21% +4.89% +8.50% 6.00% 7.70% 10.60%
6 MTHS +8.14% +10.19% +13.70% +16.82% +12.26% +6.06% 6.10% 8.30% 12.70%
1 YEAR +12.91% +14.56% +20.57% +26.57% +13.62 +6.36% 9.30% 12.90% 19.0%
3 YEAR +33.44 +28.55% +33.45% +24.47% +6.80% +19.97% 19.30% 23.6% 28.9%









Veracity Portfolio’s Performance is Net (after all charges)
All other Performance is Gross (Before all Charges)


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