Carl Roberts

Financial Planner, Investor | Helping you build and protect wealth for you and your family to enjoy.

[Carl Roberts @CarlOnMoney]

The Intelligent Wealth Podcast is now live!

Let me know what you think.

You can access it on your podcast app of choice here: https://t.co/aU6hv9qCR8

Or if you prefer to watch on YouTube it’s here: https://t.co/4XkvGsdPt0

[Carl Roberts @CarlOnMoney]

Not content with trying to take over our pension funds and force investment into risky UK assets, they want our ISAs too!

https://t.co/gmiJfpLDUq

[Carl Roberts @CarlOnMoney]

It’s not the income coming in that’s the problem. It’s the money going out.

[Institute for Fiscal Studies @TheIFS]

📈#IFSSatStat: UK government revenues are set to reach near-record levels for the UK.

In the 1980s, UK government revenues were far below the average of other peer countries, but have been catching up since the mid-1990s.

Read our briefing: https://t.co/7OjpaE3pLi

[Carl Roberts @CarlOnMoney]

The Isle of Man is removing its own ‘triple lock’. When is the UK parliament going to have a serious conversation about the UK State Pension? It’s clearly not affordable long term in its current format. https://t.co/xlBm8FdZVc

[Carl Roberts @CarlOnMoney]

🤦🏼‍♂️There’s a reason why DB schemes are more funded now than previously, gilt yields are higher meaning less capital is required to produce the income.

This will reverse again once market conditions change.

Don’t they learn anything from history?

[IPE.com News @IPEnews]

UK government proposes tapping into DB surplus for economic growth

UK government is determined to encourage DB pension funds to deliver investment and drive economic growth
#UK #surplus #growth

https://t.co/MxCs62mh6D

[Carl Roberts @CarlOnMoney]

The number of companies on London’s AIM market worth more than £1 billion has hit a nine-year low. A mere six stocks were worth more than £1 billion at the end of 2024 compared with 30 at the end of 2021. https://t.co/t8UKBg5ycB

[Adam Smith Institute @ASI]

✈️The UK lost half a million liquid millionaires in 2024- that's double the number that left in 2023

In order to make up for the shortfall in income tax, replacing just one millionaire would require at least 49 average taxpayers!

https://t.co/f1FoM9XUCb

[Carl Roberts @CarlOnMoney]

The dreaded vote of confidence!

[Carl Roberts @CarlOnMoney]

The Inheritance (Provision for Family and Dependants) Act 1975 is an interesting act as it essentially allows anyone to challenge your Will.

Even if you have tried to exclude someone they may still be approved for reasonable financial provision.

https://t.co/CcAmU6ESY9

[Carl Roberts @CarlOnMoney]

With changes announced in the latest Budget set to increase the levels of Inheritance Tax collected by the government in the coming years, here are a few things you might not know about this dreaded tax.

https://t.co/faTP1zoyYx

[Carl Roberts @CarlOnMoney]

From April 2025 HMRC will charge an interest rate of bank base rate + 4% on the late payment of Inheritance Tax.

Using today’s base rate of 4.75%, this would be an interest rate of 8.75% which is going to lead to some chunky penalties for those who struggle to sell assets.

[Carl Roberts @CarlOnMoney]

This is not a recommendation to invest in crypto but more a frustration at the speed of the regulator.

This does not look good for the UK government if they are planning to build an innovative economy and deliver growth.

[Carl Roberts @CarlOnMoney]

The UK financial regulator has just issued a road map for the regulation of cryptoassets.

Lots of discussion papers and consultation papers and finally by some point in 2026 we get the policy!

Meanwhile the US have been happily investing in crypto ETFs since the start of 2024!

[Carl Roberts @CarlOnMoney]

Based on current rules HM Revenue and Customs (HMRC) will treat you as being domiciled in the UK if you either:

- Lived in the UK for 15 of the last 20 years.
- Had your permanent home in the UK at any time in the last three years of your life.

[Carl Roberts @CarlOnMoney]

Trying to move abroad to escape the UK government's tax raid?

Even moving abroad may not shield you from paying Inheritance Tax.

This is because Inheritance Tax is based on where you are domiciled. As in where your permanent home is.

[Carl Roberts @CarlOnMoney]

Where you are domiciled is different to where you can be resident.

You can be resident in a different country and pay taxes on your income and investments in that country but if you are still domiciled in the UK, you will pay Inheritance Tax on your worldwide assets.

[Carl Roberts @CarlOnMoney]

For now, the majority of people who buy Bitcoin don’t buy it to use it. They buy it because they believe the price is going to go higher and it protects the value of their money.

You could argue however that this is the same for people who buy gold.

[Carl Roberts @CarlOnMoney]

Think you can beat the market?

Hendrik Bessembinder’s research, “Do Stocks Outperform Treasury Bills?” found that just 4% of companies have accounted for all the wealth creation in the US stock market over the past 90 years. 🤯

Needle in a haystack.

[Carl Roberts @CarlOnMoney]

@Pistolfin @PeterMcCormack Refreshing to see a politician (ex) actually know what he’s talking about!

[Carl Roberts @CarlOnMoney]

The CNN Fear & Greed Index measures investor sentiment—fear can signal undervalued markets, while greed may indicate overvaluation. 📊 It’s a pulse check on emotions driving stocks.

But, markets can remain in a "greedy" or "fearful" state for an extended time without reversing.

[Carl Roberts @CarlOnMoney]

A reason to take another look at those portfolios with an over concentration to the 'magnificent 7' stocks.

The equal-weighted S&P 500 index has actually outperformed over the longer term.

Thanks to @SPDJIndices for the research.