North Devon's Leading Wealth Managers

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North Devon's Leading Wealth Managers

  • Home
  • About Us
    • Company background
    • Our Mission Statement
    • Chartered Financial Planners
    • Our Team
    • Charitable Foundation
  • Services
    • Financial Planning
    • Discretionary Wealth Management
    • Portfolio & Benchmark Returns
    • Retirement Planning
    • Taxation & Accountancy
    • Mortgages
    • Probate and Estate Administration
    • Will Writing & Executorship Service
    • Business Financial Planning
    • Trusts & Estate Planning
    • LPOA
    • Claims Management
    • Documents
  • News
    • Philip's Comments
    • Weekly Columns
    • Newsletters
  • Our Charges
  • Careers
  • Contact Us

  • 19th February 2025 19th February 2025 By Philip J Milton & Company Plc
  • Weekly Columns

Are Cash ISAs under threat from the Chancellor?


Regular readers of this column will know we are not entirely (or certainly not universally) in favour of Cash ISAs simply because the balance of interest rates versus inflation means you can effectively be ‘losing’ money by having many thousands sat in an ISA ‘doing nothing’ as well as letting inflation eat it away. Saving...

  • 28th October 2024 28th October 2024 By Philip J Milton & Company Plc
  • Philip's Comments

Inflation drops and Budget looms


So UK inflation surprised to the downside – good news. This should lead the Bank of England to keep its promise to cut interest rates. The only fly in the ointment is what government bonds tell us? They’re worried globally but specifically in the UK about the Budget and probable extra borrowing (via these...

  • 2nd October 2024 8th October 2024 By Philip J Milton & Company Plc
  • Weekly Columns

Who needs financial advice? Can you afford not to?


There was a timely reminder of the invaluable advisory and guidance interactions we have with so many of our clients when two senior investment professionals noted they too have advisers, when many might assume they ‘can’t need them’. Perhaps we don’t blow our own trumpet enough in reminding clients how valuable our assistance to them...

  • 15th May 2024 25th September 2024 By Philip J Milton & Company Plc
  • Weekly Columns

Can you manage your own investments?


It may sound a good idea to save some money and manage your own investments – why pay ‘all those fees’ for experts when you can do it yourself? Those sentiments can often come back to haunt DIY plumbers or ‘home car mechanics’, who may end up with a worse mess than the initial problem! So,...

  • 26th April 2024 29th April 2024 By Philip J Milton & Company Plc
  • Philip's Comments

Markets rebound despite Middle East troubles


The markets are hoping that Middle-Eastern concerns have not escalated and after initial worries, markets have rebounded and the oil price slipped-back again. Let us be hopeful that is a permanent state of affairs though the Israel Hostage and Palestine situation does not go away. The UK and the US have approved further sums for...

  • 12th April 2024 12th April 2024 By Philip J Milton & Company Plc
  • Philip's Comments

The new tax year – what are the market movers and shakers?


I hope that you have had a good Easter. Welcome to the new tax year, a time for opportunity to maximise your ISA and Pension allowances for example – better earlier than later! Watch-out too as the Taxman cometh if you have too much in dividends, interest or investment gains as the tax-free allowances...

  • 16th February 2024 19th February 2024 By Philip J Milton & Company Plc
  • Philip's Comments

Inflation, deflation and market views


US inflation figures are higher than hoped (3.1% v 2.9% expected), jolting the market again and pushing Euro:Sterling to the highest since August 2022 and strengthening the Dollar. Our inflation at 4% was slightly less than expected but we have now entered ‘Recession’ with ‘two quarters of negative growth’ – good in attacking inflation but...

  • 25th January 2024 2nd February 2024 By Philip J Milton & Company Plc
  • Philip's Comments

Economic ups and downs


Just as we think things have brightened, out comes the inflation figure at 4% versus the expected 3.9%. That was blamed on tobacco and alcohol – the latter also as duty rose on wine last autumn, based on alcohol strengths. It is as if the government doesn’t realise that increasing taxes on products increases inflation......

  • 24th January 2024 5th February 2024 By Philip J Milton & Company Plc
  • Weekly Columns

Are you saving your money with a bit of savvy?


Did you know that savers in the UK have missed out on a combined total of £6.9billion in returns from their savings in 2023? Recent Bank of England data has shown that on average UK adults held some £235bn in current accounts that do not pay any interest. Consumer finance website Money Age reported that based...

  • 17th January 2024 5th February 2024 By Philip J Milton & Company Plc
  • Weekly Columns

Bitcoin (just don’t!) and serious salary sizes


Regular readers will know our views on Bitcoin and cryptocurrencies – a ‘Ponzi’ scheme not backed up by anything tangible and a lesson in losing money waiting to happen for some investors. Nonetheless, it seems the Securities and Exchange Commission, which oversees and regulates the securities markets and protects investors in the US, has seen...
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Recent Posts
  • Client Letter – Trump’s tariffs
  • Tariffs leave shaken shares and markets
  • Trump tariffs – don’t panic
  • ‘Low key’ Spring Statement contained few surprises
  • Days left to make ISA and Pension contributions before Financial Year ends
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Risk Warning

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

 

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.

 

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Philip J Milton & Company Plc

Choweree House, 21 Boutport Street, Barnstaple, Devon, EX31 1RP

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