Make the most of your wealth
Opening up a world of possibilities for your future. Like health, the more meticulously you manage your wealth, the longer it lasts. A growth strategy seeks to amplify your wealth over the long haul, opening up a world of possibilities for you. Whether you dream of a large retirement fund, a holiday home or providing […]
Tax-saving measures
What actions should we review before the 2023/24 year-end? Have you recently evaluated your personal tax situation? Is your tax structure optimised for efficiency? As we approach the end of the tax year on 5 April 2024, it presents an ideal opportunity to assess and leverage the various allowances and reliefs available to enhance your […]
Why Fixed Term Deposits Won’t Secure Your Financial Future
Article author: Daniel Clarke, Paraplanner, GSB. A silver lining of the economic instability we have seen in recent times, at least for savers, has been the high interest rates available on cash deposits. Coupled with the disappointing returns and high volatility of traditional investing in the past two years, many are questioning whether stocks and […]
A Guide to Estate Planning Without Children
Estate planning can be daunting, especially for those without children. It becomes a question of deciding where your accumulated wealth and assets will go. This is a situation that many couples and individuals find themselves in, whether by choice or circumstance. However, the absence of children does not diminish the importance of estate planning. Without […]
The High Cost of Market Timing for UK Investors
In pursuing higher returns, many investors attempt to time the market. Recent research from Morningstar suggests that this strategy tends to reduce profits instead of growing them. The study reveals that investors often buy into funds following a strong performance period, causing them to miss out on the most significant returns. This costly timing error […]
GSB Private Finance – Case Studies (₤5,100,000 UK BTL portfolio loan re finance).
Key Details ₤5,100,000 buy to let loan re-finance facility to a Special Purpose Vehicle (SPV) with multiple entities held within. UBO – UAE Resident/UK Passport holder with no income outside of property portfolio Total of 33 residential properties held within the SPV, with a combined value of ₤8,500,000 60% LTV on Interest only basis Consolidation […]
Exploring Property Investment
Buying property through a limited company. Whether you’re a seasoned landlord with multiple buy-to-let properties or someone considering a second home for personal use, buying property through a limited company can be attractive. This article delves into the pros and cons of this approach.
The Art of Retiring in Europe
Understanding the complex tax systems accompanying this decision is crucial. Retirement is an exciting phase of life, especially if you’re considering spending it in Europe. With its rich history, diverse cultures, and comparatively low cost of living, Europe has become a popular retirement destination. However, understanding the complex tax systems that accompany this decision is […]
The Metamorphosis of the Insurance Industry
The reshaping of this index significantly impacts markets. The third Friday in September is more than another day on the calendar for the financial market. It’s one of the four days a year when the S&P 500 index undergoes a rebalancing. With $5.7 trillion of assets passively tracking it, the reshaping of this index significantly […]
Decoding Retirement
A Global Perspective. The concept of retirement varies drastically globally, coloured by diverse economic and cultural aspects. This article offers a comprehensive view of retirement ages across 45 countries in 2020, drawing on data from the Organisation for Economic Co-operation and Development (OECD) 2021 report.