Monthly markets review – July 2025
Stock markets around the world reached record highs in July, driven by strong earnings and progress in trade negotiations. While tariff risks remain elevated, the shift from threats to agreements lifted sentiment.
Lumin Portfolio Check: Analysis and tips from our experts
Our Portfolio Check helps clients assess whether their current investment mix is well-positioned for today’s market conditions. Let’s take a look at a recent example, along with analysis and tips from Investment Manager, Elliott Frost.
The Inheritance Tax (IHT) time bomb: Why waiting could cost your family
The longer you delay planning, the harder it hits. In fact, doing nothing until later in life could cost your beneficiaries hundreds of thousands of pounds.
Monthly markets review – June 2025
Trade tariffs continued to affect markets in June 2025, though uncertainty did start to ease. Equity markets traded higher again to extend their historic rally off the back of April’s correction lows, meanwhile bond prices also rose, and Gilt yields moved lower across the entire curve.
The power of compounding: Why time is your best investment ally
Compounding is a powerful idea in finance. Albert Einstein reportedly referred to compound interest as the “eighth wonder of the world,” noting that those who understand it reap the rewards, while those who don’t end up paying for it.
Investing: Don’t get caught out by underlying fund costs
Many investors overlook the impact of fund charges, some of which may not be clearly disclosed. Understanding these underlying costs is essential to maximising your long-term gains.
Ask our expert: Your financial planning questions answered
Financial Consultant Max Dymoke answers readers’ questions on
withdrawal rates in retirement, gift inter vivos insurance policies,
and the tax pitfall to watch out for when gifting the family home.
A blended retirement strategy: Annuities alongside drawdown
Combining an annuity with flexible pension withdrawals allows savers to secure a guaranteed income in retirement, without sacrificing flexibility and returns potential.
Monthly markets review – April 2025
April 2025 was marked by a surge in market volatility driven by US tariffs actions, with global equities under pressure, bond markets swinging sharply, and gold hitting record highs.
Active vs. passive investing: Why there is a place for both types of investing in your portfolio
This article explains why active and passive approaches can complement each other to create an effective investment portfolio.
