AJ Bell Investcentre

Oil prices are low, but will it last? With inflation cooling, and central banks eyeing rate cuts, markets are thriving on stable energy costs. But a sudden oil price spike could derail this momentum… Our Investment Director, Russ Mould, breaks down the risks of relying on energy markets: https://lnkd.in/egGNMsch

Less than one week until Investival 2024! Grab your pen and paper, and make sure you’re taking notes from our amazing speakers as they share their insights on European equity, global income, strategic bonds, and much more 🗒️ Join the waiting list for a last chance to attend: https://lnkd.in/e37rdA23 #AJBellInvestival 

Our pensions are flexible, so your clients needn’t be 🤸 We’ve made comparing our SIPP and RIA wrappers even easier with our latest case studies, providing advisers with real-world examples of where clients can save money. See how your clients could benefit: https://lnkd.in/ddtsYKbT

A spike is predicted in the housing market as temporary stamp duty cuts come to an end. Our Director of Personal Finance, Laura Suter, considers the effects of the decision made by Labour to terminate temporary cuts to stamp duty rates. This means a first-time buyer wanting to purchase a £625,000 property from April will be faced with an £11,250 increase to their stamp duty bill 🏡 “A cut to interest rates has only just reignited the property market after a period of sluggish sales, but now Rachel Reeves has thrown cold water on its fortunes with a big tax hike for home movers.” Read more from Laura on Professional Paraplanner, here: https://lnkd.in/e9EJ8_ed

Thank you for joining us on another insightful Tech Tuesday 🗞️ Since the Budget was delivered last week, our technical experts have been busy sharing their insights on the latest news in our Techcentre. Head there now: https://lnkd.in/eGwTMSdY

Upcoming LTA changes and what to expect. Our Senior Technical Consultant, Lisa Webster, delves into the progress on regulations and transfers, and comments on what this could mean for clients stuck in limbo, waiting for 18 November 📝 “The regulations also correct a few issues around age 75 for those that hadn’t taken all their tax-free cash before their milestone birthday. Currently the standard transitional calculation means the old age 75 lifetime allowance test will use up the new lump sum allowance.” Read more from Lisa, to find out how the upcoming regulation changes will affect clients: https://lnkd.in/egVpYEYK

A case for a ‘Pensions Tax Lock’? 🔒 Our Director of Public Policy, Tom Selby, shares his insights on what areas Rachel Reeves hit in the Budget. “This ‘Pensions Tax Lock’ would send a clear signal to savers that the goalposts won’t be moved and should give people more confidence to take decisions based on their long-term interests.” Read more from Tom and what he thinks Reeves should have used her Budget for: https://lnkd.in/exeQVE8a

Interest rate decisions and US elections: how do these affect wealth managers? 💼 This week has brought with it a lot of changes in the investment industry. Our knowledgeable experts dive into the causes of the Fed reducing interest rates faster than the BoE, why the Misery Index is so low, and more. “The rise in gilt yields has been lower in the UK than in the USA, where the issue of the national debt has started to become a matter of concern to holders of US Treasuries, not least because neither presidential candidate seems to have addressed the issue at all.” Head to Portfolio Adviser to read more from our experts: https://lnkd.in/ek9V-H-q

Here we are for another Tech Tuesday! HMRC corrects lifetime allowance legislation to relieve stuck pensions. Six-month-old pension tax rules will finally be changed. Our Senior Technical Consultant, Rachel Vahey, delves into the changes, describing who, and which areas, will be affected 📖 “The good news is that HMRC has finally laid two new sets of regulations to correct the legislation for these niche cases. Both sets of regulations come into effect from 18 November 2024, and will be backdated to 6 April 2024.” Read on to find out more details on the changes and what they mean for your clients: https://lnkd.in/ed8XwQsR Hear more from our technical experts: https://lnkd.in/emqpFMqY

Dive deeper into our SIPP and RIA pension options…. We’ve pulled together essential resources to help you understand how both pensions work, highlighting the key features they offer to support you in making the switch. Start exploring: https://lnkd.in/e-3RyBRY