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Choweree House, 21 Boutport Street, Barnstaple, Devon EX31 1RP | (Tel) 01271 344300 | info@miltonpj.net
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    Philip J Milton & Company Plc provides a well established and very competitively priced "direct instruction" share dealing service.

     

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    It is estimated that 65% of the UK population does not have a valid Will. For those, the law decides how your Estate is distributed under “Rules of Intestacy” meaning that your assets are unlikely to be distributed as you wish upon your death, not even recognising an unmarried partner, for example. Do not delay making a Will! (This service is not regulated by the FCA.)

     

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Weekly Column

Still resolved to do something?

15 January 2018

If you are still continuing with your New Year’s resolutions, congratulations – you are one of the few! Why do people struggle to keep their resolutions? Sometimes it can be because there is no personal drive to keep the resolution (such as you didn’t really want to ‘go vegan’ but someone told you it was better for your health) or perhaps it is too expensive to continue (wearing something new to work every day can get very costly!) It can be as simple as the wording of your resolution – if your resolution is ‘I should save more money’, you still have an element of choice and could opt out of it. Changing this to ‘I will save £20 a week’, makes it more likely to happen!

Too big a change can be unsustainable. Going from never walking anywhere to running five kilometres every day is a bit too much for most people, but maybe taking the bus to work instead would help you get a bit more walking in to the day at least.

Another way you can start ‘small’, is, instead of buying that cup of coffee every morning, save the money into a longer term plan, to build up a pot of money for the future. This could mean saving £50 per month into a bank account or into a longer term investment. You may be surprised how you manage without it!

An investment within the stock market has the potential to provide returns which outpace inflation and offer real capital growth, meaning that you could attain your savings goals quicker.

If you want to start a New Year’s resolution of saving, it’s not too late – just contact our office to have a discussion with one of our financial advisers. An initial meeting is provided at our cost.

The value of stock market investments and any income from them may fall as well as rise and investors may not get back the amount originally invested. Yield figures may vary and are not guaranteed. It is advisable to hold these investments for a minimum of five to ten years, over which periods stock market returns have shown themselves to be historically superior and broadly predictable through both good and bad times. Past performance should not be seen as an indication of future performance.

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Gold

GOLD So London stores £250trillion of the world’s gold in its vaults – 596,000 bars and weighing 7,500 tonnes. This is all owned by different entities and as one sells some and another buys some, the label on the front changes. Even some of our clients hold some of this as we have a little gold as a safe asset within client Portfolios – the currency of last resort. The Bank of England looks after 5,100 tonnes of this total. It is estimated that around the world, above the ground there are 187,100 tonnes of gold though this does include jewellery, personal stores and coins as well. Around £14billion of gold is traded every day. In silver, the figures stored are much smaller – 32,000 tonnes stored in London worth £14.5billion.

 

 
Founded in 1985, Philip J Milton & Company are delighted and proud to offer a fully independent financial and investment planning service and we advise upon all aspects of clients’ financial affairs.

The Financial Conduct Authority does not regulate some areas mentioned on our web site including: Buy to Let Mortgages, Claims Management Activity, Taxation & Accountancy, Probate Administration and Will Writing.

Financial services complaints we cannot settle may be referred to the Financial Ombudsman Service; www.financial-ombudsman.org.uk 0800 023 4 567. Details of our complaints procedure are available via the documents tab above.

Risk Warning - Stockmarket investments can offer income through the payment of dividends and interest and good opportunities for capital appreciation over the longer term. By this, generally we mean periods in excess of five years, preferably much longer. However, we can never promise you particular returns, especially in the short-term. At any point in time but especially in the short term, your capital could be worth less than the original amount invested as some of the selected holdings may fall in value, regardless of expectations at the time of acquisition. We may also invest in funds that hold overseas securities. The value of these investments may increase or decrease as a result of changes in currency exchange rates. Returns achieved in the past cannot be relied upon to be repeated.

Philip J Milton & Company Plc is authorised and regulated by the Financial Conduct Authority.
Philip J Milton & Company Plc is entered on the FCA register (http://www.fca.org.uk/register) under reference: 181768.
# Registered Office: Choweree House, 21 Boutport Street, Barnstaple, Devon EX31 1RP
Registered and Incorporated in England number 3233275 | VAT number 682 2544 28
A list of the Directors is available from the registered office

 

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