In 2019 the Carbon Social Cycle Club will be organising four great cycling day trips. Two of the trips will be our ‘easy riders’ format where the pace will be easy/social, riding at the speed of the slowest rider.  The … Continued

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On 29th October 2018, Philip Hammond presented the Government’s Autumn Budget. This was his third Budget since becoming Chancellor of the Exchequer and the first Budget not to take place on a Wednesday since 1962 – no doubt to avoid … Continued

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THREE times European Tour winner Richie Ramsay thrilled young members at Blairgowrie Golf Club. Carbon Financial enjoys a corporate partnership with Blairgowrie Golf Club and our Tour ambassador was taking a break from the build-up to the Dunhill Links Championship. … Continued

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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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