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Inheritance Tax (IHT) can be one of the biggest forms of wealth destruction for wealthy families. Without proper planning, it’s easy to end with millions of pounds in tax that needs to be paid.

How Does Inheritance Tax Work: A Case Study That Could Save You Millions

While seemingly pretty simple on the surface, once you scratch the surface there is a lot to learn about the various forms of ISA out there. We cover the most frequently asked questions in this article.

ISA FAQs: Everything You Need To Know To Get Ahead Of The Tax Curve

Bitcoin, oil and bond yields all get covered in our latest market update. Our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan discuss all of this, whilst explaining why we remain defensive in the portfolios that we run for clients. 

Rosecut Q3 2023 Market Update

The wealthiest families in the world don’t manage their money individually. They take a whole family approach, with the aim to minimise taxes and secure their assets for future generations. With the right planning, it’s not just the uber wealthy who can benefit from this approach, and in this article we’re going to explain how you can do it too.

Will The Government Take Your Inheritance? How To Manage Multi-Generational Financial Planning

In this article we explain the right way to assess and plan your personal asset allocation so that you’re taking the right level of risk for your goals.

The Number 1 Mistake Investors Make With Asset Allocation

Is your investment performance good? It’s a simple question to ask but can be quite confusing to answer. It’s why there’s a whole industry dedicated to creating financial benchmarks, but picking the right one can be a minefield. We explain how in this article.

How Do You Know If Your Investments Are Winning? By Choosing The Right Benchmark

How big a part should tax implications play in your investing? Read on to find out 

Tax Savings vs Investment Returns - Which Makes the Biggest Difference

Qiaojia Li (Rosecut) and Robert Walsh (QVentures) discuss angel investing and how it can fit into your overall wealth strategy. Topics covered included successful strategies they have seen used before, along with some pitfalls.

Angel Investing Webinar - July 2023

Lifestyle inflation happens to almost all of us. And while it’s demonised in a lot of personal finance media, the truth is that you should be experiencing it. In this article we explain why it’s not necessarily a bad thing, how to manage it and the best strategy to build wealth while improving your quality of life.

Are You Paying Yourself First? Beat Lifestyle Inflation With This Simple Strategy

One of the most overused phrases in investing content is ‘invest in index funds.’ While it’s not bad advice, there’s a lot of misconceptions around what an index fund or ETF actually is, and how they are created. You might be surprised to learn the truth about index funds, and we’re sharing it with you in this article.

Index Funds Are Fake: Here’s The Truth On How They Work

Index Funds: The Truth

Retiring at 45 might seem like a pipe dream, but under the right set of circumstances, it's possible. In this article we’ll show you how founders and entrepreneurs can use their unique circumstances to make it a reality, and highlight some of the key financial tips and traps to be aware of.

Want To Retire At 45? Here’s Our Top Tips & Traps 

We all love the idea of passive income, and we’re sold the dream on a regular basis. Unfortunately, the truth of passive income is that it’s almost impossible to achieve. Don’t worry though! The good news is that you can get pretty darn close, and we’re here to tell you just how to do it.

The Passive Income Myth: Why There’s No Such Thing

Daniel Greenhough, our Portfolio Manager and Michael O'Sullivan, Investment Advisor, discuss the volatility in markets and how it has dropped off as an asset class.

Rosecut Market Update - June 2023

Market Update June 2023

Holding cash feels safe. Seeing the same number on your statement every day is comforting, but the truth is that holding excess cash is one of the biggest financial mistakes people make. Worse still, many are holding cash in the hope that they’ll be able to ‘time the market.’ In this article, we’ll explain some of the most common mistakes investors are making with their cash.

These People Are Holding Cash - Here’s What They’re Missing

We’ve been hearing a lot about the US debt crisis over recent months, and there’s even been talk about a potential US government default. While the chances of that have always been unlikely, there’s some key lessons to takeaway for investors when it comes to the debt ceiling, or any other potential crisis that follows it. And don’t worry, we won’t send you to sleep!

US Debt Ceiling Explained - How Does It Impact UK Investors, or not

Founders are eternal optimists, and with that in mind, they often invest with a singular eye on the potential end returns. But what good are great returns if you can’t access any of your cash? In this article, we’ll explain why liquidity is one of the most important (and forgotten) aspects of an investment portfolio.

Asset Rich But Cash Poor - The Tech Founder's Dilemma

Striving for "more" money is a common goal, but it can take a toll on other aspects of life. To understand what is truly enough, define your ideal lifestyle in detail and quantify your financial freedom. A comprehensive cash flow projection considering factors like taxes, income sources, and spending patterns is necessary to clarify your financial roadmap and determine if you've achieved freedom or need a different strategy instead of always aiming for "more."

How Much Is Enough? Everything You Need to Answer The Biggest Financial Questions

The risk profile questionnaire is one of the most misunderstood parts of the investing process. While it might seem like compliance mambo-jumbo, the reality is that it can be a helpful tool in understanding how your money will be invested and what that might look like during turbulent times.

What’s A Risk Profile And Why Does It Matter to You?

In this article, we’re going to run you through a checklist of the items you need to tick off your financial to-do list when a new tax year rolls around.

Want An Extra £250k+? Get Your Tax Plan Timing Right

 Sequencing risk is a lesser-known but important form of risk that can affect plans for financial freedom or early retirement. And many investors have never heard of it!

This Is One Of The Biggest Risks To Your Financial Freedom - And You’ve Probably Never Heard Of It

How can you achieve financial freedom in just 10 years? It won’t be easy, but it is possible. In this article, we’ll explain the two paths you can take to achieve financial freedom and walk you through the numbers on how to make it work for you.

How Can I Be Financially Free in 10 Years?

The data shows that, on average, investors buy more when prices are high and sell when prices are low. Far from being a path to wealth, investing in this way is a surefire way to get burned and lose money on the markets or at least achieve underwhelming returns. In this article, we’ll show you the data that backs this up and explain how and why you should be investing more when prices fall, not pulling money out.

Your Friends Are Buying High and Selling Low - Are You Making The Same Mistake?

When it comes to the term compounding, you probably think about investing. And while compound growth is important, compounding your income has the potential to make a bigger difference in your financial life. In this article we explain exactly how it works and how to maximise the benefits.

Why Compounding Income (Not Investments) Is The Fastest Way To Early Retirement

The idea of a recession can be a scary one. While it doesn’t come without its challenges, there are also huge opportunities available during difficult times. In this article, we explain how a recession might impact you and how you can make the most of it.

How A Recession Could Impact You (In A Good Way)

With just a few days left until the tick over into the new tax year, you need to know how best to use one of the biggest no-brainers in financial planning, the annual £20,000 ISA allowance.

Why Cash ISAs (And Deposits) Are A Total Waste Of Time

In the UK, there are two main options to consider if you’re looking to invest and save tax. And honestly, they’re both pretty good. But neither of them are perfect. In this article we’re going to be covering the pros and cons of each. Why you should use an ISA, why you should use a SIPP, and which is the best option for you.

ISA vs SIPP - Which is The Best For Achieving Financial Freedom?

The Rosecut investment team talk about the strong January in markets and the similarities to January 2001. 

Rosecut Market Update - February 2023

What are the ISA fundamentals, and can you become an ISA millionaire? Here's what you need to know about it.

 Become an ISA Millionaire To Live An (Almost) Tax Free Retirement 

Want to know the best way to make your money work for you over the long term? Ignore it. That’s right, with the right financial plan and strategy in place, ignoring your money is the best thing you can do for your financial future.

Automate Your Finances: The (Almost) Guaranteed Way to Wealth

Some couples can be understandably a little nervous about totally combining their finances. With that said, proper household financial planning can make a huge difference to your ability to achieve financial freedom. In this article we explain how you can ensure you’re using all of your allowances, and growing your wealth in the most effective way possible.

Keeping Finances Separate? Why Married Couples Shouldn’t Do It

Financial projections can be a powerful planning tool, but there are some important factors you need to consider to make sure you’re doing them the right way. In this article we’ll show you what moves the needle the most, and the key assumptions to be aware of.

The Power (And Limitations) of Financial Projections

Want an automated and effective strategy to invest into? Pound cost averaging is about as close as it gets. Still, there are some key factors to keep in mind before you go diving in the deep end. Check out this article to find out whether it's right for you, and make sure you’re aware of the biggest risk in the strategy.

The Power and Risk of Pound Cost Averaging

Being financially free is a goal for almost everyone. But the meaning of that term has a different meaning depending on your goals, aspirations and the image of your ideal life. In this article we break down exactly how to work that out for yourself - to really understand what financial freedom means to you, and how you can get there.

How Much Money Do I Need To Be Financially Free?

The stock market was incredibly volatile in 2022, which is leading many investors to consider whether this is the bottom and if they should pile more cash in. In this article we explain our thoughts on ‘picking the bottom’ and why sitting in cash is unlikely to get you where you need to be.

Should You Invest Cash Now Or Wait?

Counterparty risk is the probability that the company or organisation you give money to will default on their obligations. In the wake of the collapse of FTX, it’s an important factor to understand. In this article we’ll cover how it impacts investors and savers, and the steps you can take to manage it.

What The Crypto Carnage Can Teach You About Counterparty Risk

Our investment team discuss the latest market trends for the month of December and what they expect in 2023 in our latest Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - December 2022 & Outlook for 2023

Rosecut Market Update - December 2022 & Outlook for 2023

It’s a scary time right now with a lot of bad news around. That can seem like the worst time to invest, when in fact it may be the best opportunity in years. In this article we look at what a stock market crash really means, and how they’ve played out in the past.

What History Can Teach Us About The Upcoming Recession

We’re going over the Autumn Statement, but not in the way you might expect. The situation in Westminster has made it clear that there’s no consensus on how to break the UK out of its economic slump. That means taking personal control of your personal finances has never been more important.

What Is Macroeconomics and How Has It Influenced The Autumn Statement?

What Is Macroeconomics and How Has It Influenced? The Autumn Statement

2022 has been a challenging year for investment markets. Even so, at Rosecut we’ve managed to find opportunities for growth outside of the mainstream. In this article we provide a rundown of what’s worked best for us this year, and how we see things playing out in the coming months.

The Surprising Winners in Rosecut Portfolios This Year

There’s no getting around it. Kids are great, but they’re expensive. So what are the steps you can do to make it a little more manageable? In this article we will give you an overview of what to expect from the financial costs of having children, and how you can start to plan for it.

The Best Thing To Do Before You Have Kids

Our investment team discuss the latest market trends for the month of November in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - November 2022

Rosecut Market Update - November 2022

With a bit of spare cash, many people will go straight to paying off debt. While that’s not necessarily a bad idea, there are potentially more efficient ways to use that money. Investing it instead can mean a bigger long-term payoff, but it does come with a few cons as well. Let's take a look.

Is Investing or Paying Off Debt the Best Option?

No one likes to pay tax, but luckily there are plenty of ways you reduce your bill. Some of them are widely known, but there are some tricks and tactics that are missed by a lot of people. We’ve got a checklist you can use to make sure you’re making the most of all of the legal tax loopholes available.

Here are Some Simple, Easy Ways a Family Can Pay Less Tax

The financial industry is full of jargon, and when it comes to job titles it can be very confusing. What do they all mean? What’s the difference between a Financial Advisor, Financial Planner, Wealth Manager or Client Advisor? We break it down for you and explain how to find the right professional for you.

Is a Wealth Manager the Same as a Financial Planner?

Founders and entrepreneurs are so good at building a business, that sometimes they can forget that it’s equally important to build a life. In our next article, we explain how you can create a financial parachute to secure your lifestyle and maximise the potential of your business.

The Number One Financial Tip for Founders

When it comes to buy-to-let investing, the game has changed. Since 2016 there’s been major tax changes, which means going from thousands of pounds in annual surplus income from a property investment, down to £0 or even into negative territory. We’ll show you exactly what this means for you.

Buy to Let Investing is Dead: Here’s Why

Our investment team discuss the latest market trends for the month of October in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - October 2022

Rosecut Market Update - October 2022

ESG or ethical investing is becoming more and more popular, but it could be in danger of becoming a bubble. Despite the marketing hype, ethical investing raises more problems than it solves. Luckily, we’ve got an alternative.

Why ESG is Nothing But Spin and How to Really Use Your Money For Good

The pound dropped sharply last month as financiers gave a vote of no confidence to the UK government's mini-budget, leaving many clients asking should I dump my British pounds and convert to another more stable currency? Hear our view on this.

Should You Dump Your British Pounds?

Inflation is the term we use to describe rising prices. How quickly prices go up for goods and services is called the rate of inflation. But how does it really work? Let's take a look.

How Inflation Really Works and Why it Goes Both Ways

We receive so many fantastic questions from our clients and platform users that we wanted to start sharing the content to our wider audience. This is our way of continuing to be transparent with any insights and help investors learn more about markets. We will update this piece with new Q&As over time. Please favourite the page if you enjoy it.

Unfiltered: Answering our client questions

When it comes to our finances, early preparation in life is key to becoming financially independent. The same goes for your children, which is why we take a closer took at how you can help them gain financial freedom with just £30,000.

Fund Your Kids Financial Freedom for Just £30,000

Our team of experts at Rosecut have worked with many clients over the years and over time you start to notice common trends amongst behaviour and decision making. Although all clients are different and unique, we highlight three of the biggest mistakes wealthy investors tend to make.

The 3 Biggest Mistakes Wealthy Investors Make

Our investment team discuss the latest market trends for the month of September in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - September 2022

Rosecut Market Update - September 2022

A pension is a way of saving for your future freedom. But this is not just handed to you, it is earned through putting money in each month and, in return, you get a regular income once you've retired. Let's break it down.

How Do Pension Contributions Work?

Buying a home is often the largest purchase you will make in your lifetime. And a decision many of us rush into as part of growing up. But what if we told you getting onto the property ladder is not always the best option?

Don't Buy a Home: Here's Why

Don’t Buy a Home: Here’s Why

Most people would assume that investing their money is the highest risk and holding onto cash under the mattress in contrast is the lowest risk possible. In a post-pandemic world where inflation is at record high levels, holding too much cash in your savings can actually be making you poorer over time.

Your Savings Are Making You Poorer

A lot of investors believe they can time or 'beat the market' but with factors such as investment fees, taxes, and human emotion working against you, you're more likely to do so through luck rather than skill.

Can You Really ‘Beat the Market’?

Can You Really 'Beat the Market'?

Our investment team discuss the latest market trends for the month of August in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - August 2022

Rosecut Market Update - August 2022

Life is supposedly all about taking risks, but when it comes to our finances, how much risk is enough? We take a closer look at diversification and the best way to avoid concentration risk.

Does Your Life Have More Risk Than You Realise?

Our investment team discuss the latest market trends for the month of July in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - July 2022

Rosecut Market Update - July 2022

As an industry, we do a terrible job of using the word risk, when really what we actually mean is volatility, which can be confusing to new investors. We take a look at why risk and volatility are not the same thing.

Risk and Volatility: They’re Not the Same Thing

Risk and Volatility: They're not the same thing

Our investment team discuss the latest market trends for the month of June in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - June 2022

Rosecut Market Update - June 2022

Whether you're an experienced, seasoned pro of an investor or just a newbie starting to dip your toe into the world of stock markets, we're all chasing a great return on our investment portfolio. Our investment advisor Qiaojia Li takes a closer look at three things that could make the biggest impact on your investment return.

3 things that could make the biggest impact on your investment return

We look at how you can work out your budget for the month and then stick to it going forward, to help you get an overview of your inflows and all outgoings.

Work out a monthly budget and stick to it

Our investment team discuss the latest market trends for the month of May in our Market Update. Join our portfolio manager Daniel Greenhough and advisor Mike O'Sullivan in the discussion now.

Rosecut Market Update Video - May 2022

Rosecut Market Update - May 2022

Every year many people and their families look for the opportunity to migrate their residence and citizenship. We take a closer look at global mobility and migration, and how the process could work for you with the help of Rosecut.

Moving to new frontiers

Financial planning is important but in times of uncertainty it is vital. These more challenging times of geopolitical conflict in a post-pandemic world, just show why it is increasingly important to self-fund where you can.

Planning in times of uncertainty

We all know how important financial planning is for the future but what can we do to prepare for an untimely death and ensure our family are protected? Although we may not want to consider this eventuality, it is important to prepare for the unexpected. Our financial planning expert Poppy takes a closer look at things to consider when preparing for the possibility of dying early.

Life still goes on: Planning for the end of your life

They say that money can't buy happiness, but research shows there is a positive relationship between the two. The pandemic has made most of us re-evaluate our personal finances and what is truly important to us. So where do you sit on the money vs. happiness line?

The Money vs. Happiness Line

Our financial planning expert Poppy takes a closer look at the advantages and disadvantages of both Self-Invested Personal Pensions (SIPPs) and Individual Savings Accounts (ISAs) when making your financial plan.

Pensions and Individual Savings Accounts (ISAs) – are they worthwhile?

Pensions and Individual Savings Accounts (ISAs)

Rosecut is a very international business; many of our clients are not originally from the UK and so we are regularly asked to consider creating a portfolio of investments that works for them.

Investing for international clients

Our portfolio manager Daniel Greenhough highlights why an Individual Savings Account (ISA) is an essential tax-efficient wrapper to consider as part of your financial plan.

Introducing the Rosecut ISA

Our financial planning expert outlines the top 3 tips for financial discipline in 2022 and beyond, to ensure you start the new year in the right way.

New Year, New You: Our top three tips for financial discipline in 2022

Pension saving remains a highly tax-efficient way of accumulating wealth. Our financial planning expert Poppy takes a look at the three key stages you should know about.

Pension savings: through the stages

Are you missing out on your wealth potential? The good news for some people is, it may not be too late to set a plan in motion.

How successful, well-paid professionals are missing out on becoming millionaires

 Our portfolio manager Daniel Greenhough takes a look at what a bear market is and what are the 5 rules we consider at Rosecut with our investment portfolios during such times in markets.

5 rules for surviving a bear market

Our financial planning expert Poppy explains how to prepare and the things to consider before you embark on your financial planning journey.

The road to somewhere: Planning for your financial journey

The road to somewhere...

How can parents financially educate their children properly and set them on the right financial path for their future? Our financial planning expert Poppy looks at how parents can set their kids up with the best start in life.

Setting the right tone

Like with any life goal or milestone, careful planning is the key to achieving all you set out to do. A break from your career is no exception. Our financial planning expert Poppy takes a closer look at preparing for a sabbatical if you are lucky enough to take one.

Now where did I leave my flip-flops? Preparing for a sabbatical/work-break

Now where did I leave my flip-flops?

When it comes to liquidity, cash is the best asset there is, because you can access it instantly. But you should only hold onto emergency cash and invest the rest. Let us explain.

Set Aside Emergency Cash

Increasing your annual income can sometimes be extremely challenging, so having multiple income streams can actually help increase your overall wealth. But how can you manage this?

Find a Second Income Stream

We provide you with 3 steps to put yourself in the best position to renegotiate your pay and increase your annual income.

Renegotiate Your Pay

We look at the all-important question of how far are you from achieving financial freedom? Something we all would like to know when working towards our future goals.

How far are you from achieving financial freedom?

So what exactly is a Stocks & Shares ISA and why is this a good option to put your money into? Let's take a closer look.

What is a Stocks & Shares ISA?

Tax efficient wrappers for your investments are a vital part of any portfolio. This is why building up your savings is much nicer in an ISA.

Fund your ISA with us

Where do you actually keep your emergency fund once you have built up a sufficient pot of money? Don't overcomplicate things with this sum of money.

Where should you keep your Emergency Fund?

Always remember that tax may apply on any transactions or investments your undertake. Setting aside funds for this is the best course of action. Speak to a tax specialist if you are unsure.

Don’t Forget About Tax

So now that we understand the importance of having an emergency fund and what this is for, how much should you put aside for it? Let's run the numbers.

How much should you have in an Emergency Fund?

We now know what an emergency fund is, but why do we actually need one? Let's take a look at the importance and some potential scenarios why this is vital.

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