Introduction On Wednesday, November 25th Chancellor Rishi Sunak delivered his Spending Review for next year to the House of Commons. In the absence of an Autumn Budget, the statement to the Commons set out the Government’s spending commitments for 2021/22. The Chancellor had announced some time ago that there would not be a formal Budget this […]
Latest News from Radcliffe Cooper
This section is regularly updated to bring you news of important developments in financial planning matters.
It’s safe to say that Christmas 2020 is no usual Christmas. With the latest updates from the Government suggesting that families will be able to meet at Christmas and enjoy the company of up to three households between 23rd and 27th December, there may at least be some level of normality for those who choose […]
Overall Market Backdrop, November – Equities posted strong gains across all major regions during November, as multiple COVID-19 vaccine candidates touted efficacy rates north of 90% in late-stage clinical trials. – The most divisive and polarized US presidential election in living memory was also put [largely] behind us early in the month, and as the […]
Overall Market Backdrop, October – The majority of global equities struggled and produced negative returns while Emerging Markets and Asia Pacific saw modest positive returns, this continued the theme from the previous month. – The 10-year US treasury yield ended the month on 0.87%, showing a significant increase of 0.2%. – Volatility and uncertainty increased […]
The adoption of Environmental, Social and Governance funds has been rising steadily for some time now, and yet the question has lingered of whether they are to be a flash in the pan or the centre of our financial future. With ESG funds reportedly attracting net inflows of $71bn, just between April and June of […]
Covid-19 has made the country’s broken social care system an important political subject, one that urgently needs solving. As with all complex political subjects, the solution will be far from simple. Most recently, the government has announced that it is considering a new approach to the care funding crisis – they are considering taxing the […]
At the virtual Conservative Party Conference on 6th October, Prime Minister Boris Johnson gestured towards a plan in the pipeline to introduce 95% Loan To Value mortgages in an attempt to reinvigorate home ownership and in his words, “help turn generation rent, into generation buy.” While the details of this plan remain unclear, the PM […]
Introduction The end of October brought plenty of bad news for Western economies as scientists stood in front of graphs and talked of ‘inexorable rises’ and ‘exponential increases.’ Unsurprisingly, stock markets duly took note. We report on 12 major stock markets and only two, India and Hong Kong, were up in October, with all the […]
Overall Market Backdrop, September The majority of global equities struggled while Emerging Markets and Asia Pacific saw modest returns. The US 10yr Treasury yield has ended the month close to its starting monthly yield of 0.67%. The month saw a tough market environment with fiscal stimulus fading and an increase in Covid-19 cases. No additional […]
This article discusses how financial advisers across the nation have adapted to continue to deliver a valuable service at a period of upheaval which hasn’t been seen since the Second World War. Covid-19 has completely changed the way financial planners deliver advice. At the drop of a hat, the industry had to embrace years’ worth […]