The Official Blog of Trevor Downing
The Blog hub for Trevor Downing Financial Management, based in the heart of Kent. Here, you can access the latest market analysis and comprehensive financial planning guides. Stay ahead of regulatory changes and gain the knowledge you need to achieve your personal financial objectives.
More and more people dragged into paying higher taxes
It’s hardly surprising that HMRC’s latest data shows over 6.1 million people are paying Higher or Additional Rate Tax at 40% or 45%. With the number of people paying Income Tax projected to be 34...
Salary Sacrifice – an incredible enhancement in overall value
I dealt with a fascinating situation recently where a client who had been referred to me told me that he had been providing services to a company for many years and was now being offered an employed...
Some Mortgage Case Studies – July 2022
Case Study 1 – tackling rising rates My clients were becoming increasingly concerned with the rate environment following the Bank of England increases seen over the past few months. They were keen...
Inflation and the Rule of 72
The sharp rise in inflation which hit a 30 year high of over 9% last month for many is disturbing. Inflation could exceed 10% later this year. I am not sure whether you have come across the Rule of...
Inheritance Tax is impacting more people than ever
I read in the National Press the other day that an extra £100 million was taken in Inheritance Tax in just two months during April and May this year. With frozen death tax allowances each individual...
Alleviating the Inheritance Tax burden
As we get older we balance accumulating assets and also deep accumulation. For most couples and civil partners that would like to leave their wealth to their chosen dependants. Of course the less...
Lifetime Mortgages – the right solution?
Bob and Susan, a couple in their seventies, were referred to me as they required a second opinion after initially seeking advice from a company specialising in Home Reversion Plans. Bob and Susan...
Trevor’s thoughts on Equity Release in mid-2022
House prices have risen to historically high levels and the ability to draw down cash as you need it from your property using Equity Release is becoming more appealing and will in future become even...
Mortgage Rates – what’s the benefit and cost of a long-term fixed rate today?
How interesting with mortgages some of the longer-term fixed rates say for 10 years or more are actually lower than many of the shorter-term fixed rates. With rising interest rates should we...
Is now the time to be investing your money in worldwide shares?
The answer for me personally is “No, not right now.” I am very comfortable with shares in my pension fund and shares under the right tax efficient umbrellas to leave them fully invested. However,...
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Trevor Downing IFA is a Trading Style of Trevor Downing Financial Management (IFA) Limited. Trevor Downing Financial Management (IFA) Limited is authorised and regulated by the Financial Conduct Authority. Trevor Downing Financial Management (IFA) Limited is entered on the financial services register https://register.fca.org.uk/ under Firm Reference: 118176. Trevor Downing Financial Management (IFA) Limited is Registered in England at Companies House: 01829773
The information contained in this website ultimately relates to UK regulatory regime and is therefore restricted, and only relevant to consumers based in the UK.
Information contained on this website is not, and should not in itself be construed as, financial advice which can only be provided upon full appraisal and consideration of your individual circumstances.
If you wish to register a complaint, please write to: complaints@downingfm.co.uk . A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on requests and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at: https://www.financial-ombudsman.org.uk or on: 0800 023 4567.
The value of your investments can go down as well as up, so you could get back less than you invested.