Independent financial advice
in Nottingham & the East Midlands

Veracity Managed Portfolio's Analysis 06/11/2017

Please click on the link below to view this months Portfolio performance analysis against various benchmarks.
pdf171106_Veracity_Portfolio_Analysis.pdf
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Life insurance..... how will your family remember you?

Its simple – if you are the main breadwinner and you leave your family in debt and homeless what will your legacy be?
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Pensions and IHT

What happens to your pension fund when death is before or after age 75.
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Maternity & Auto Enrolment

An expectant mother should be treated like any other employee when it comes to automatic enrolment.

You must assess her for eligibility in the same way as you would any other employee:-  
1/ Is she aged between 22 years of age and state retirement age.
2/ Then you need to work out whether or not she qualifies from an earnings point of view.

The reference for income eligibility is an employee’s full income and in the case of an employee on maternity leave, this will be her Statutory Maternity Pay (SMP).
If the SMP for the reference period (one calendar month) exceeds the earnings trigger point for auto enrolment then she will need to be enrolled like any other employee.

The employee can also opt out/cease contributions entirely.

The employer is not obliged to make a contribution while an employee is not meeting the minimum contribution but may choose to do so.
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Veracity Managed Portfolio's Analysis 01/10/2017

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

171001 Veracity Portfolio Analysis
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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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