UK Investment

Annuities Are Expensive - Do You Need Them?

Lars Kroijer | Posted 23.09.2014 | UK
Lars Kroijer

As evidenced by the IRR on the annuity the return profile is extremely low risk/return and that may not suit your risk profile - if you can afford greater risk in pursuit of greater returns in your portfolio an annuity may lock you in to lower return expectations for decades ahead.

Will Austerity Really Reduce the Government Deficit?

John Mills | Posted 10.09.2014 | UK Politics
John Mills

In 2013, the government deficit, according to the latest available Office for National Statistics (ONS) figures, was £92.9billion, which was 5.8% of GDP. All our major political parties are fixated on getting this deficit down by cutting expenditure and raising taxes. But should they be quite so determined to do so? Is austerity really the best way to cut the deficit?

Britain Needs to Invest In Itself

John Mills | Posted 01.09.2014 | UK Politics
John Mills

When all things are taken into account, the UK is investing almost nothing in its economic future. The Coalition government may have conjured some temporary growth, but this will disappear without much more new investment and if we want to avoid long-term decline we need to act right now. The hard fact is that productivity growth in the UK has ground to a halt and there's a very simple reason for this: the UK, for the first time since the start of the Industrial Revolution, has virtually stopped investing in the type of economic activities which are capable of delivering increases in output per head of the population.

Cheap Advice Is Always the Most Expensive

Reuben Singh | Posted 22.08.2014 | UK
Reuben Singh

In my experience, the first rule of business is to pay your lawyers, accountants and all your professional advisers well. Always pay well for the best advice because it ends up being cheaper in the long run.

How to Get Rich Dealing Modern Art and Vintage Furniture

Jeff Salmon | Posted 21.08.2014 | UK Entertainment
Jeff Salmon

If you have some collateral, that doesn't mean you shouldn't invest. And I may have a solution for you - dealing in modern art and vintage late twentieth-century furniture. You may think this is the reserve of the posh and rich. But, as a one-time working-class lad from East London, I can tell you it absolutely is not.

Why Banks Can't Provide Finance for Start-Ups

Paul Lees | Posted 14.10.2014 | UK
Paul Lees

The most common route to funding in the UK is retail bank loans. Banks lend money with low interest rates to individuals, rather than to companies. This is helpful when starting a business, as it means there is a low level of repayments; however there is often a high level of personal risk.

My Experience in Raising Finance

Reuben Singh | Posted 28.09.2014 | UK
Reuben Singh

From the age of 17, when I launched my business, till today I have probably been involved in 10 or 12 different fundraising situations. Most of these have been for different deals and some of them for the same venture.

Free Money isn't too Good to be True

Adam Hamdy | Posted 22.09.2014 | UK
Adam Hamdy

Businesses in the rest of the country should get in touch with their county council and find out what schemes are in place to support and foster growth. There is free business support and money out there, and usually all it takes is a bit of time and paperwork to get it.

DIY Your Way Out of Pension Confusion

Huw Evans | Posted 09.09.2014 | UK Lifestyle
Huw Evans

Pensions are a major conversation point at the moment, since George Osborne announced dramatic changes in this year's budget. But what exactly is so different from what went before? And why all the fuss?

Europe Needs Smarter Investment in Education and Research Infrastructure

Anka Mulder | Posted 09.09.2014 | UK Tech
Anka Mulder

The return on investment will be high for Europe if we get it right, including: a reinvigorated research and education infrastructure, attraction of the best students and faculty, a better skilled workforce, and enhanced competitive advantage vis a vis the rest of the world.

Why Europe's Universities Need 'Stress Testing' Even More Than the Banking Sector

Dirk Jan van den Berg | Posted 07.09.2014 | UK Tech
Dirk Jan van den Berg

State funding is being cut, European universities are dropping down the international rankings and less research is being produced... Many European campuses are in very poor functional and physical condition... the time to act is now.

Mark Powell and the Ibiza Connection: Time to Modernise

Jason Holmes | Posted 02.09.2014 | UK Entertainment
Jason Holmes

It's modernism in its purist form and the distilled vision of Mark Powell, a stylist and tailor whose sartorial individualism of thirty years standing has made itself known in places as far flung as New York City, Tokyo and Firenze.

Has Bordeaux Killed the En Primeur Futures Market?

Nick Martin | Posted 30.08.2014 | UK
Nick Martin

First out of the blocks in 2013 was Pontet Canet - rather too soon for many given the trade had not yet tasted it - releasing at around £635+ per case. The best offer we saw was from Nickolls and Perks for £635 inclusive of free storage until autumn 2017.

What Are the Prospects for the UK Economy in 2015?

John Mills | Posted 30.08.2014 | UK Politics
John Mills

The next general election will be held in May 2015. No-one can foretell the outcome. But it is much easier to anticipate the economic prospects that will be faced by whichever party or combination of parties wins power.

Reinventing a Region - How the Gulf Has Ensured It Doesn't Become a Zombie Brand

Mark Artus | Posted 25.08.2014 | UK
Mark Artus

I have been following the zombie company and low productivity debates with interest and have wondered to what extent the issues facing companies are also facing brands, and even the countries we live in.

Record UK Business Growth Thanks To Sound Economic Policies

Adam Afriyie | Posted 30.07.2014 | UK Politics
Adam Afriyie

Today, two of the major UK business organisations delivered more good news on the economy. The Confederation of British Industry (CBI) announced the best UK growth figures in May since 2003, and the British Chamber of Commerce (BCC) upgraded its forecast to 3.1 per cent for 2014, the highest rate since the 2007 crisis...

Winter Is Coming: Is the Rest of the World Tech Ecosystem Keeping Up With Silicon Valley?

Paul Lees | Posted 30.07.2014 | UK Tech
Paul Lees

Silicon Valley, the world's leading place for high-tech innovation and development, has been home to many of the world's largest technology corporations since the 1940's. Several generations of start-ups to exit companies which have generated huge amounts of revenue have led to investors re-investing due to its success.

Britain Needs to Encourage Investors to Come to the UK

Adam Afriyie | Posted 19.07.2014 | UK Politics
Adam Afriyie

Britain now has one of the most attractive tax systems in the world with Corporation Tax falling to 20% next year. This is great because business people and investors are vital to the future of the UK economy. We should never be embarrassed about wanting to attract people who can come here to create jobs.

Are you thinking long-term enough?

Xenios Thrasyvoulou | Posted 14.07.2014 | UK
Xenios Thrasyvoulou

Warren Buffet was once asked by Jeff Bezos a long time friend of his: "you are the second richest man in the world and yet you have the simplest investment thesis. How come others didn't follow this?" To which Warren Buffet responded: "because no one wants to get rich slowly"

How I Raised £300k Investment for My Start-Up

Tom Raffe | Posted 14.06.2014 | UK Tech
Tom Raffe

Raising money for your start-up is difficult, particularly in the UK where "tech city" is still in its early stages of development. The whole process can be time consuming and stressful, particularly when you have a business to run at the same time.

The Road From Aid to Trade: Investing in a Healthier Future for Africa

Allan Pamba | Posted 09.06.2014 | UK
Allan Pamba

At the EU-Africa business summit I attended last week, a question that I heard again and again is what are the barriers to investing more in sub-Saharan Africa?

Charity Entrepreneurs - Do They Exist?

Michelle Wright | Posted 02.06.2014 | UK
Michelle Wright

In a changing economic context, most charities are being asked to be more entrepreneurial, but I'm coming across more and more CEOs that are tired of hearing the term and Chairs of Trustees that don't seem to know where to start. So what does 'entrepreneurial' really mean in the charity sector?

Competition Won't Make Investment Firms Transparent

Margaret Heffernan | Posted 25.05.2014 | UK
Margaret Heffernan

Let's not forget that heated, intense competition is what brought us the banking crisis. Competition between banks - to be the biggest, the most profitable - stoked the selling of inappropriate mortgages, PPI and interest rate manipulation. Competition between traders or between salespeople - many of whom are measured daily by their earnings, with some firms posting these numbers publicly - is precisely what drove otherwise good people to do bad things.

Beyond the Headlines This Was a Positive Budget For Investment Into the UK

Geoff Cook | Posted 21.05.2014 | UK Politics
Geoff Cook

The headlines following this week's Budget understandably focused on pensions and savings, with significant proposals announced that will fundamentally change the way people save in the UK. It was hailed by many as the biggest pensions shake-up for a generation, and so it is not surprising that this was the focus of debate in the immediate aftermath.

Are You Too Busy to Find Time to Nurture Your Network?

Andy Lopata | Posted 29.04.2014 | UK
Andy Lopata

How's business? Do you have a lot of orders both confirmed and in the pipeline? You do? That's great! No need to worry about a networking or referrals strategy then. Or think again.