Chadwicks Wealth

10 January 2025

It's Behind You!

...forgetting where you left your car keys is normal, putting them in the freezer is possibly a flag for something more sinister. So far at least, the freezer is clear of car keys although I am considering adding it to my default search pattern.

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14 October 2024

2024 Pre-budget Thoughts

The upcoming budget has generated more debate, speculation and calls from clients than any other I can remember. We discussed Labour’s fiscal plans in our post-election webinar (and generally, despite the noise, our opinions remain pretty much as they were then). But there has an awful lot of noise and clients are understandably wondering if they should be doing something. Trying to second-guess the budget is the fiscal equivalent of market timing – it’s very difficult to get right and the chances are that, at best, you’ll make the right call about half the time. Our advice is that your starting point should be to decide what you want to achieve, look at the best way to fund it and then look for the most tax-efficient way of releasing those funds. Reversing that process and letting the tax tail wag the investment dog too often ends in tears – or at least disappointment.

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8 December 2023

'Sorry, we're cash only!'

The impact of the repeated increases to the interest rates on bond and equity markets has been harsh, leading to declines in asset valuations all while elevating the current returns on cash investments. In light of the current financial environment is it a good idea to switch to cash investments? As the old adage suggests, "cash is king", right? Well, not quite… Investing is a long-term endeavour - a horizon where cash suffers.

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14 July 2023

The Big Picture

The post-Covid period has been a frustrating and often concerning time for investors who have seen poor returns against a backdrop of rising inflation and interest rates. In this note, James Bacon, one of our associate directors, reminds us of the importance of standing back to see the big picture.

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