The Atticus Papers

Bringing clarity to finance

Friday 2nd September, 2022

School fees planning - how to invest for and fund private school fees

I am frequently asked by clients what the best way is to save for private school fees. This is a complex area, due to the generally limited time to build up funds before the savings will need to be drawn down upon, as well as the relatively high level of fee inflation. There is also a lot of confusion about the current level of private school fees. In the article below, I have therefore taken the time to firstly review the current levels of school fees and the way they are paid. I will then look at the types of investments that should be used, as well as the most tax efficient investment wrappers to use. Lastly, I will also look at the options available to grandparents to help their family fund private school fees for the children.

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Monday 28th February, 2022

Long term investing - the importance of staying invested during difficult markets

As we find ourselves going through a period of global economic and political uncertainty, it is quite reasonable to ask whether you should be selling out into cash, or whether it is best to remain invested. In order to address this question, I have put together the article below. It will look at historical data in order to explain and justify the importance of remaining invested over the long term, despite the apparently dire economic circumstances. I hope you find this article useful, but if you have any questions you would like to discuss, then please don't hesitate to give Atticus Financial Planning a call.

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Tuesday 25th January, 2022

Pensions versus ISAs - Which is best?

As we head towards the end of tax year, my clients have started asking me that age old question: Should I fund my pension or ISA? Which is best? In the article below, I will attempt to address this question, highlighting the advantages and disadvantages of each. As always, the answer to this question can be quite nuanced and will often depend on where you are in your financial lifecycle and what you are trying to achieve. If you have any questions, please don't hesitate to give us a call at Atticus Financial Planning. We are always happy to help.

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Wednesday 19th January, 2022

End of year tax planning opportunities to look out for

The end of tax year is always a mad rush to try and utilise all our personal tax allowances and reliefs in order to ensure that our investment returns and income are generated as tax efficiently as possible. After all, the government makes a limited number of tax incentives and reliefs available to us and it makes sense to utilise them as much as possible. This article aims to highlight some of the mainstream tax planning opportunities that are available and how to use them. If you would like to discuss how you can make the most of these end of tax year planning opportunities, then please don't hesitate to give us a call.

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Friday 3rd September, 2021

Guide to investing – part 2 – What is investment diversification and asset allocation?

One of the most complex areas of investing is investment asset allocation and diversification. So many questions arise around why we do it and how to do it properly. There is a plethora of information on the internet and Youtube to the extent that Ray Dalio, the famous hedge fund manager, even goes so far as to recommend an "all weather" asset allocation for the DIY investor. In part 2 of our guide to investing, I will look to further reduce some of the mystery around investing and portfolio construction by looking at how we utilise different asset classes to build an investment portfolio which is aligned to your own personality and attitude to risk, as well as what you are trying to achieve through investing. At the end of this article, if you still have any questions or would like some advice on building a portfolio that meets your specific needs, then please don't hesitate to give us a call.

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If you would like further information, please don’t hesitate to ask us for one of our more complete digital guides to finance.