SCM Direct

17/04/2023

📝NEW BLOG from SCM Direct provides an in-depth analysis of upcoming trends in the UK housing market

'UK Housing Market Outlook for 2023 and Beyond'
https://scmdirect.com/uk-housing-market-outlook-for-2023-and-beyond-an-in-depth-analysis/

The UK housing market has consistently been in the headlines in recent year due to house prices hitting record highs. However, predictions for 2023 and beyond suggest a fall in house prices due to factors such as escalating mortgage rates, diminishing affordability, and economic uncertainties.

12/04/2023

IMF warns of 'perilous' path ahead as fragile banking system threatens the world economy
https://www.thisismoney.co.uk/money/markets/article-11962123/IMF-warns-perilous-path-ahead-world-economy.html
via This is Money

The collapse of Credit Suisse and US lenders including SVB has already darkened the outlook at a time of sky-high inflation and rising interest rates.

13/03/2023

Following our expose last Sunday re a £600m bill for investors having to switch to green funds:
https://www.thisismoney.co.uk/money/investing/article-11819997/Who-pays-600m-bill-switching-new-funds-really-green.html

The Treasury Select Committee have acted swiftly to pull up fhe FCA on failing to treat customers fairly!

"Alan Miller, co-founder of SCM Direct, has welcomed the committee's intervention. On Friday, he told the MoS: 'It is a scandal that the FCA has failed in its legal requirement to conduct an analysis of the costs and benefits to investors of its proposed rules"

Read full article via This is Money:
https://www.thisismoney.co.uk/money/investing/article-11847951/MPs-pull-Financial-Conduct-Authority-green-crackdown.html

06/03/2023

Research from SCM Direct CIO, Alan Miller, found the overall cost for 10,000s of investors switching to proper green ESG fund could be £600+ million – and is adamant that investment groups guilty of fund mislabelling should pick up the tab.

"Consumers thought they were holding a green fund. If they are now being told that is not the case, they should not have to pay the cost of switching to an alternative fund that is deemed green by the FCA. If you buy a new electric car which turns out to be oil-powered, you would expect to be switched free of charge" (Alan Miller, SCM Direct)

Read full article via This is Money:
https://www.thisismoney.co.uk/money/investing/article-11819997/Who-pays-600m-bill-switching-new-funds-really-green.html

New regulations could result in hundreds of green investment funds being declassified as the regulator clamps down on greenwashing.

01/03/2023

‘Are you paying too much for your investments?’ asks MoneyWeek
https://moneyweek.com/flat-fee-versus-percentage-fees

In our latest research quoted in The Times and The Sunday Times we exposed the scandal of high fees & low returns:
https://www.thetimes.co.uk/article/high-fees-and-poor-returns-are-these-funds-a-rip-off-hdqqt23ns

At SCM Direct we know that even 1% can make a massive impact on returns due to compounding.
https://scmdirect.com/investment-fees/

*Capital at Risk*

The most expensive investment funds charge almost seven times more than the average, often resulting in dire returns. Can their high fees ever be justified?

01/03/2023

Are you aware of the changes to State Pensions and Private Pensions due to take place?

Read about them in our blog!
https://scmdirect.com/retiring-soon-think-again/

For many people. retirement is something to look forward to. That was until recent announcements surrounding state and private pension ages.

01/03/2023

“ISAs continue to be an important source of tax-efficient income for many individuals. For example, they may help to supplement income during retirement”
https://www.forbes.com/uk/advisor/personal-finance/year-end-tax-planning-isas-to-the-fore/
Forbes

Open a low-cost today with SCM Direct and plan for your financial future!
https://scmdirect.com/accounts/isa/overview/

*Capital at Risk*

27/02/2023

Investors looking for 100% transparent, low cost, highly diversified investment portfolio with exceptional liquidity?

Check out the SCM Direct Portfolio today!
https://scmdirect.com/investment-portfolios/scm-ethical-esg-portfolio/overview/

*Capital at Risk*

Actively managed with an ethical objective investing in a wide range of either ESG or SRI Exchange Traded Funds (ETF) at a very low cost.

27/02/2023

Research shows “41% (of people) want to grow their money and wealth over time”
https://www.express.co.uk/finance/personalfinance/1739892/money-investing-savings-cost-living-crisis
via Daily Express

Start investing and growing your money with award-winning online wealth manager SCM Direct today!

https://scmdirect.com/

*Capital at Risk*

SCM Direct is a London-based award-winning online wealth manager offering actively-managed investment portfolios.

27/02/2023

We've been calling out rip-off fund fees since 2009.

It's very disappointing that our latest research shows that investors are still suffering from a toxic combination of high fees and low performance in active funds!

“Looking at the high cost of many of the funds, surely they are all failing their consumers. How on earth can fund managers justify the toxic combination of high fees and atrocious performance? It’s clear that investors continue to be ripped off by high fees and low returns.” - Alan Miller, Chief Investment Officer, SCM Direct

Read full article via The Times and The Sunday Times:
https://www.thetimes.co.uk/article/high-fees-and-poor-returns-are-these-funds-a-rip-off-hdqqt23ns

22/02/2023

📝NEW BLOG 📝

'Retiring Soon? Think again!' explores the changes in access age for both state and private pensions that ultimately mean many are forced to delay retirement or use other funds to live comfortably in the meantime.
https://scmdirect.com/retiring-soon-think-again/

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For many people. retirement is something to look forward to. That was until recent announcements surrounding state and private pension ages.

16/02/2023

📝NEW BLOG 📝

Read 'Riding the Tide: War, Debt & Inflation Cycles' by SCM Direct Investment Analyst, Michael Sawh:
https://scmdirect.com/riding-the-tide-war-debt-and-inflation-cycles/

There is a pattern of notable historical moments happening every 7 years, so how do debt and inflation behave during these cycles?