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Sustainable – Investment funds for the modern world
Typically, in the past, sustainable or ethical investing has been categorised as being for the minority however, research is showing that more and more people are investing in sustainable funds and not only that, in some instances they are out-performing traditional funds. As time goes on this sustainable or ethical…
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Premium Bonds – are they any good?
Premium bonds issued by the NS&I (National Savings and Investments) are one of the UK’s most popular savings products, with around 21 million people saving approximately 88 billion in them but are they any good? Recently we heard in the news that the NS&I are slashing their interest rates or…
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The IOM Pension Freedom Scheme (PFS) – What is it?
In February 2018, the Isle of Man’s Treasury Minister, the Hon. A L Cannan, MHK, introduced new legislation aimed at increasing pension flexibility. The changes became effective on April 6th, 2018, allowing greater freedom in accessing pension benefits and providing more significant tax relief. Like other pension schemes, the PFS…
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Isle of Man State Pension – how does it work?
When talking about pensions, people can often be referring to the state pension scheme that is provided by the government. This type of pension scheme has often been subject to a lot of confusion as to what it really does, how you accrue the credits required to have the…
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Life insurance: what is it and what are the options?
Life insurance is often overlooked in financial planning, but it’s crucial for safeguarding your loved ones and your financial future. At Osborne Financial, we believe it plays a vital role in any solid financial strategy, and we’re here to help you navigate your options. Whether you need whole-of-life insurance,…
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COVID-19: What it means for pensioners
From the outset of the Coronavirus pandemic, it became clear that older people are more vulnerable to the disease. The over-70s and anyone with underlying health conditions have been advised to isolate as much as possible. While we are not medical experts, we strongly recommend following professional advice. Besides the…
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Investing in a down market: what should you do?
The market has been almost unrelentingly positive over the past decade. There have been some small bumps, including uncertainty over Brexit and Trump’s trade disputes, but ultimately, the economy moved on. So for many people, particularly those who have only started investing in the last ten years, the recent volatility…
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Wills, trusts and powers of attorney
While many clients understand the potential of an investment plan, or the tax-efficiency of a pension, estate planning is a less exciting prospect. No one wants to think about their own mortality, and taking steps to plan for death can seem like tempting fate. But rather than dwelling on the…