Investment advice Archives - Philip J Milton & Company Plc

Are the ‘magnificent seven’ seriously over-extended?

An ‘emperor’s new clothes’ scenario could be applied to US tech stocks, which have been highlighted before in this column and we still feel could be living in an unreality bubble. There was a very interesting article by Peter Atwater, an adjunct lecturer in economics at the College of William and Mary, Virginia, in the...

A good financial adviser will help you stay on course

The importance of a good financial adviser that understand economics and the mechanics of investing was highlighted recently by a frank interview with multi billion investment house Baillie Gifford. This column has highlighted more than once the need for advisers to help clients understand long term investment strategies and not to rush into knee-jerk reactions...

Is inflation deflating? And is your adviser clued up?

Inflation is coming-down – only 6.8% and for the first time since 2021, lower than the increase in average pay (including bonuses etc). Food inflation is dropping even faster. Some of the reasons are ‘pigs in pythons’ – when a big increase a year ago drops-out of the figures. The next big hit will be...

State Pension set to see 8% rise if ‘triple lock’ promise holds

Millions receiving the State Pension could receive a ‘bumper’ rise yet again next year due to rising wages. Due to the ‘triple lock’, experts are predicting the annual State Pension could increase by up to £879 in April, 2024. This means pensioners would receive around £11,500 a year and the maximum flat rate State Pension would...

Anniversary time and awkward markets

Am not sure if I should be feeling old or not... am just passing the 38th anniversary of when for the first time I was sitting at my desk in the small office in my parents’ home in Georgeham, the first day of my business after I had given-up a promising career in mainstream...

House prices drop as interest rates increase

House prices have dropped by the biggest yearly decline for 14 years, according to Nationwide. The data for July was shortly before the Bank of England increased interest rates yet again, taking it from 5% to 5.25%, spelling more uncertainty for mortgage holders. The BBC has reported the latest from Nationwide, which said affordability was becoming...

Rising rates, what we look for and dubious practices

So, credit agencies have downgraded the US for its financial stability and the market there has taken a turn downwards. What does it mean? Of course we shall be assessing that as we do our utmost to manage clients’ investments wisely and their financial affairs. However, it’s a blow for Mr Biden’s hopes for...

How much do you need for a ‘comfortable’ retirement?

UK residents need at least an extra £26,000 in addition to their State Pension to live a ‘comfortable’ lifestyle during their retirement, according to recent data. The research was carried out by Standard Life, which used the MoneyHelper annuity tool from www.moneyhelper.org.uk to work out how much people would need in their pension pot to...

Replacing your State Pension could cost a fortune

Recent news the State Pension booster scheme has been extended until 2025 is very welcome, but did you know it could cost you a small fortune to replace the full State Pension if you’re not eligible for it? Data from sharingpensions.co.uk published in June has shown it would cost just over £205,430 of pensions savings...

Kinder markets and when to move?

I took a couple of days’ break to attend our Daughter Esme’s graduation and the markets were good to us and there’s now one more NHS Doctor. Perhaps I need to take more time away if it helps so many of our investments rise in value...! It is interesting however – we try our hardest...

Are the ‘magnificent seven’ seriously over-extended?

A good financial adviser will help you stay on course

Is inflation deflating? And is your adviser clued up?

State Pension set to see 8% rise if ‘triple lock’ promise holds

Anniversary time and awkward markets

House prices drop as interest rates increase

Rising rates, what we look for and dubious practices

How much do you need for a ‘comfortable’ retirement?

Replacing your State Pension could cost a fortune

Kinder markets and when to move?

Risk Warning

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Philip J Milton & Company Plc

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