Vanguard Asset Management is one of the companies that is helping to change the face of investing. Based in the US, it came to the UK in 2009, and last year it launched a direct-to-retail operation, allowing investors with as … Continued

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It’s no secret that active fund managers are losing business to index funds, but they aren’t going down without a fight. The big fund houses have always had large marketing budgets, and they’re drawing especially heavily on them now. As … Continued

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Of all the behavioural biases that stop investors achieving the best results, one of the most damaging is optimism bias. A closely related issue is overconfidence, which again can be very detrimental. Lisa Bortolotti is a Professor of Philosophy at … Continued

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Mike and Karen, both in their late 60s, are retired hoteliers who find themselves in the fortunate position of having accumulated an estate of around £2.25m. They are concerned that, if they were both to die, Inheritance Tax (IHT) of … Continued

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It’s hard to believe we are already approaching the tax year end, April 5th.  The good news: this presents great planning opportunities, and hopefully, better weather…  So, how can your planner help? Pensions continue to be one of the most … Continued

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Are you one of the very fortunate minority who has a ‘gold plated’ defined benefit (often termed Final Salary) pension? You would be mad to give up the guaranteed income, right? Well, the volume of transfers is currently at a … Continued

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29th January 2018

A view from overseas

I have always asked myself how it would be to work abroad: different language, different culture, different people and so many things to learn. I am Markus, 26 years old, and a student of Finance and Management in Germany. I … Continued

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The Cabinet Secretary for Finance and the Constitution, Derek Mackay (not quite yet a household name), has unveiled his first Scottish Budget. There were no great surprises, with the UK Government’s reduction (in real terms) of the discretionary block grant … Continued

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CARBON’S European Tour ambassador Richie Ramsay leapt to number 32 in the rankings after a successful 2017 season. Here, Richie reflects on a year when he played 27 tournaments, including The Open and the US Open – and savoured a … Continued

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STRATHALLAN School is heading for Scotland’s Home of Rugby! Their 1st XV saw off George Watson’s College 21-3 in a hard-fought encounter at Myreside to book a much coveted place in the final of the Scottish Schools Under 18 Cup. … Continued

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