Insights – Raymond James, Fulham

Helping the next generation get on the property ladder: Gifting vs loaning a deposit

March 17, 2025March 18, 2025

One of the most common questions that we get asked is how to help the next generation get on the property ladder. Two common ways are to gift money towards a deposit or loan it. We caught up with wealth manager Dasha Plotnikova and Oportfolio’s senior mortgage & protection adviser Jade Pinkerton about gifting and loaning a deposit.

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Education series: Collectives

February 20, 2025February 20, 2025

Welcome to our Education series that aims to explain various investment concepts in a friendly, clear, and precise format. Here, we dive into another popular asset class, collectives, otherwise known as funds.

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Money Agony Aunt: What is compounding and when does it start making a significant difference?

January 28, 2025January 29, 2025

Compounding is a fundamental principle when it comes to investing and creating wealth.
Compounding is the idea that if you invest money into something and it grows over time, its value can increase exponentially. In other words, it might not seem to grow very much at the start, but eventually it gains momentum.

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Education series: When not to invest

September 23, 2024January 7, 2025

At Raymond James, Fulham, we really enjoy picking investments, managing portfolios and helping clients obtain financial security and achieve their goals. We feel that investing, when done properly, can provide significant benefits. However, there are times when investing is not right for individuals and we believe it is important to highlight when this might be.

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Education series: Gilts – a golden investment?

September 16, 2024January 7, 2025

Gilts, or to use their proper term gilt-edged securities, are bonds issued by the government. They have been enjoying a renaissance. In this article, we dive into how gilts work and why they can be an attractive investment.

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Education series: Equities

July 2, 2024January 7, 2025

When people talk about investing, they are usually talking about equity investing. Stocks, shares and equities are all interchangeable names for the same thing – owning a “piece of the pie”. In this article, we will explain what equities are and why you may want to hold them, as well as a few of the key risks to be aware of.

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Money Agony Aunt: I want to start investing for my child. Where do I start?

June 26, 2024January 7, 2025

There are various ways in which you can start building a nice little nest egg. In this article, we highlight some key considerations before you begin, and explore some common investment products so that you can give the next generation a good start in life.

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Money Agony Aunt: What happens when my income is between £100k and £125k?

June 5, 2024January 7, 2025

You have entered the dreaded 60% income trap. As a higher-rate taxpayer, you may firstly expect to be paying the usual 40% income tax. Unfortunately, when your income enters this range, this might not be the total deduction. Find out what happens in this tax bracket and what you can do about it.

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Education series: Cash

March 14, 2024January 7, 2025

Cash is a much-debated asset class. Some believe that “cash is king”, others point to how the value of cash is eroded by inflation. In this article, we explore the role of cash in personal finance and making it work for you.

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