Sunny Sharma - Financial Planner

Sunny Sharma - Financial Planner Empowering Individuals and Families to Forge Financial Security Through Strategic Planning

**Navigating Market Volatility: What Investors Should Know About the New U.S. Tariffs** Markets are reacting sharply to...
04/04/2025

**Navigating Market Volatility: What Investors Should Know About the New U.S. Tariffs**

Markets are reacting sharply to President Trump’s sweeping new tariffs, which introduce a baseline 10% tariff on all imports, with even higher rates for key trading partners like China, Vietnam, and the EU. This unexpected move has triggered uncertainty, with equities falling, bond yields dropping, and the U.S. dollar losing ground.

While short-term market reactions can be unsettling, history reminds us that volatility is not new—we’ve seen market shocks before, and we’ve always rebounded. The key is to stay disciplined, diversified, and focused on long-term investment goals.

If you’re unsure how these changes could impact your portfolio or if your investments are positioned for resilience, now is the time for a review. A well-structured financial plan should help you navigate uncertain times, not just the good ones.

If you’d like an independent review of your investments or need guidance on how to position your portfolio in the face of these changes, let’s connect. Feel free to reach out—I’m here to help.

With inflation remaining high in several regions and sluggish economic growth across the board, find out how markets per...
13/03/2025

With inflation remaining high in several regions and sluggish economic growth across the board, find out how markets performed in February 2025.

Follow the link in the comments to read the full article
(3 min read)

Wishing everyone a sparkling and joyful Diwali filled with love, laughter, and prosperity! May this Festival of Lights i...
31/10/2024

Wishing everyone a sparkling and joyful Diwali filled with love, laughter, and prosperity! May this Festival of Lights illuminate our lives and bring peace and happiness to all. 🪔✨

Do you feel positive about the 2024 UK Budget on businesses and households?
30/10/2024

Do you feel positive about the 2024 UK Budget on businesses and households?





Here’s a simple breakdown of the key points from Rachel Reeves’s 2024 UK Budget announcement:Tax IncreasesEmployer Natio...
30/10/2024

Here’s a simple breakdown of the key points from Rachel Reeves’s 2024 UK Budget announcement:

Tax Increases
Employer National Insurance: Raised by 1.2 percentage points to 15%, with the threshold lowered from £9,100 to £5,000, primarily affecting businesses.

Capital Gains Tax: Increased from 10% to 18% for lower rates and from 20% to 24% for higher rates, with adjustments on relief rates.

Inheritance Tax: Thresholds frozen until 2030; inherited pensions will be taxable starting in 2027.

Other Taxes: Increases on air passenger duty (particularly for private jets), alcohol, to***co, and stamp duty on second homes. Non-dom tax status abolished, replaced with a new residence-based tax regime.

Cost of Living and Income Support

Minimum Wage: Increased by 6.7% to £12.21 per hour, with the minimum wage for 18-20 year-olds increased by 16.3%.

State Pension: Triple lock retained, increasing pensions by 4.1% next year, benefiting 12 million pensioners.

Fuel Duty Freeze: Maintained at current levels, saving drivers an anticipated 5p per litre increase amid high living costs.
3. Public Spending Increases

NHS: £22bn boost in day-to-day budget, with an additional £3.1bn in capital spending. Funds target backlog reduction, new hospital beds, diagnostics, and surgical hubs.

Education: £2.3bn added to core school budgets, with expanded funding for breakfast clubs and special education.

Defense: Increased by £2.9bn next year, aiming for long-term spending at 2.5% of GDP.

Economic Stability and Forecasts
Inflation and Growth Targets: Bank of England’s inflation target remains at 2%, with forecasts of 2.5% inflation for 2024 and gradual declines through 2029.

GDP Growth: Expected to rise from 1.1% in 2024 to 2.0% in 2025, stabilizing around 1.5% annually from 2026-2028.

Borrowing: Plans to achieve budget surplus by 2027/28 without borrowing for daily expenses.

Sector-Specific Measures

Local Government: Funding increased by £1.3bn for essential services, including social care and homelessness support.

Infrastructure: Revised debt rules to allow increased borrowing for infrastructure, aiming for £50bn in new spending.

Be well prepared for the 2024/25 tax year end deadlineIt may be October, but it’s always good to start planning early fo...
30/10/2024

Be well prepared for the 2024/25 tax year end deadline

It may be October, but it’s always good to start planning early for the 2024/25 tax year end. Working with a Succession Wealth Planner, we can help you explore what you’re entitled to, any changes for next year, boosting your pension to maximise tax relief or carrying forward any unused allowances.

Plan for the future, plan for success.

Get in touch to book your initial meeting.

October 2024 NewsletterWe’re just finalising this month’s newsletter, which will cover the upcoming budget announcements...
30/10/2024

October 2024 Newsletter

We’re just finalising this month’s newsletter, which will cover the upcoming budget announcements.

If you’d like a copy delivered to your inbox, sign up to receive our newsletters below.

https://orlo.uk/tBhIl

Guide to Understanding PensionsA pension is a way of saving money to live on when you retire. However, pensions can be c...
16/09/2024

Guide to Understanding Pensions

A pension is a way of saving money to live on when you retire. However, pensions can be confusing, and what should be a simple and effective long-term savings vehicle is often made more complicated by the various rules and regulations that apply.

Click the link in the comments to read the article.

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5 min read

Adjusting your pension plansIn the ever-evolving landscape of retirement planning, a significant shift is on the horizon...
16/09/2024

Adjusting your pension plans

In the ever-evolving landscape of retirement planning, a significant shift is on the horizon that could potentially impact when you can access your pension funds. From the 6 April 2028, the normal minimum pension age will rise to 57.

Click the link in the comments to read the article.

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06/06/2024

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