Lessons from London Capital & Finance

One of the last decade’s more infamous financial scandals has finally reached a conclusion.  The name of London Capital & Finance Plc (LCF) sounds impressive, but the business behind it was anything but. In the late 2010s, LCF issued ‘mini-bonds’, raising capital from individual investors to lend on to small businesses. LCF offered rates of…

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An investment sector reshuffle

The fund performance league tables have gained over 530 new funds since April.  In the middle of April, the trade body of investment managers, the Investment Association, made a radical revamp to its fund sectors. As a result, many of the investment performance league tables have been changed subtly, even though the performance of the…

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Retirement in 2021… or beyond

A recent survey of people who have or plan to retire in 2021 provides interesting insights, whatever your intended retirement year. The average age of people planning to retire in 2021 is 60, according to a recently published survey by investment manager, Standard Life Aberdeen. That is six years before current state pension age, which…

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Are ISAs past their best-before dates?

The ISA is now 20 years old - it it past its sell-by date

The role of Individual Savings Accounts (ISAs) has changed since they were launched over 20 years ago, so are they still worth having?  Since ISAs were introduced in April 1999 the ISA portfolio has been extended to include: Junior ISAs (for the under-18s). Help to Buy ISAs (no longer on sale). Innovative Finance ISAs (for crowdfunding…

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