- Watermark Wealth Management.

How focused is your portfolio? Investing for growth, income or both
Do you want to grow your capital, increase your income or both? Your answer will determine the type of investments you select and, in addition, you need to be aware of the concept of ‘total return’. This is the measurement of performance - the actual […]

Are you financially prepared for retirement?
If you are a 50-something, are you financially prepared for retirement? It is estimated that one third of people in this age group have no retirement savings at all. However, the plans you make in the final approach to retirement can have the most significant impact on the size of […]

On 16 September 2008, the news (http://news.bbc.co.uk/1/hi/business/7615931.stm) hit us. Lehman Brothers had filed for bankruptcy in the US.
Lehman was one of the largest financial institutions in the world. Unsinkable! But like the iceburg that sunk the Titanic, its problems lurked out of sight, deep within the organisation and it’s liabilities were unknown……… […]

EU rules against sex discrimination
The European Court of Justice has ruled that gender-based insurance rates are unlawful in a move that could lead to a shake-up in the annuity market. This major ruling takes effect from 21 December 2012 and will fundamentally reshape the retirement landscape, leading to the likely equalisation of annuity rates […]

Taxing Times
Different investments are subject to different tax treatment. The following is based on our understanding, as at 6 April 2011, of current taxation, legislation and HM Revenue & Customs (HMRC) practice, all of which are subject to change without notice. The impact of taxation (and any tax relief) depends on individual circumstances.
Unnecessary tax on […]