AKR Wealth Management Ltd

AKR Wealth Management Ltd Providing clients with expert financial advice and long term peace of mind.

This summer has given us the biggest World Cup in history, with 48 teams and three host countries. As an avid football f...
17/07/2026

This summer has given us the biggest World Cup in history, with 48 teams and three host countries. As an avid football fan, I have watched as much as I can reasonably get away with, although the late nights have been particularly painful.

One of the things I love about tournaments is how quickly the story can change. A team can look unbeatable in the group stage, only to run out of ideas when the pressure rises. Another can start quietly, grow into the competition and suddenly look like the side nobody wants to face.

Markets are no different. Leadership shifts and yesterday’s winners do not stay on top indefinitely. While markets are currently rewarding ‘momentum’ – that is, stocks that have been outperforming recently – the portfolios that endure are unlikely to be those that simply chase what has worked most recently.

The challenge is to build for the whole tournament. That means having enough exposure to capture opportunity, but enough diversification, valuation discipline and resilience to cope when leadership changes.

Tournaments are a reminder that form can change very quickly. The side everyone is talking about after the first few games is not always the side lifting the trophy at the end. There is always a team that is a front runner and has the momentum in the early stages – think the Netherlands in 1974, Brazil in 1982, even England’s “golden generation” in 2002 and 2006.

The uncomfortable truth, in football and in investing, is that past performance can tell you how a team got here, but not necessarily how far it can go from here. Past performance is no guarantee of continued success.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/cio-investment-insights-momentum-wins-matches-resilience-wins-tournaments

Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer ...
17/07/2026

Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer able to work?

Small to medium businesses in the UK are notoriously underinsured, leaving them exposed to serious risks. For many, the loss of a key person may result in a major risk. However, putting protection in place to cover this risk can help shield your business from financial vulnerability in the event that one of your key people falls seriously ill or dies.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/could-your-business-survive-losing-its-most-valuable-person

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people...
02/07/2026

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people think about retirement planning, with more turning once again to annuities.

For many years annuities have been firmly out of fashion. This followed the introduction of pension freedoms in 2015 which made it much easier for people to take out money from their pension fund, rather than having to buy an annuity. The low interest rate environment of recent years also made annuities less attractive.

That picture is now starting to shift. Demand for annuities has picked up again in recent years, with sales returning to levels not seen since before pension freedoms.

There are a number of reasons why more people are choosing to use their pension pots to buy annuities. As well as offering a guaranteed income, in some cases, they can also reduce the size of your estate for IHT purposes. Meanwhile, rising interest rates have led to higher annuity rates, making them yet more attractive.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/the-axable-benefits-of-buying-an-annuity

A place in a nursing home can cost £1,267 a week or even more1, and anyone with significant assets won’t qualify for sta...
01/07/2026

A place in a nursing home can cost £1,267 a week or even more1, and anyone with significant assets won’t qualify for state support. As we are all living longer, it is something more of us will need to consider and plan for in later life.

Our guide explores who qualifies for help towards social care and care home costs. It also looks at the complex rules around gifting assets and how this is viewed under the means test for care fees.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/can-i-gift-assets-to-avoid-paying-care-home-fees

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a ne...
19/06/2026

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a newly launched consultation.

The government this week announced a number of planned reforms that could bring unmarried couples in line with their married counterparts if introduced. These include allowing qualifying cohabiting couples to inherit in the same way as a spouse or civil partner – in terms of how much and their position in the order of entitlement.
The proposals also include new rights for unmarried couples who separate. Providing they have lived together for at least three years – or have children together – they would have similar rights to divorcing couples, such as claims on property and pensions.

Meanwhile, pre-nuptial agreements could be made legally binding, to allow couples to agree ahead of marriage how they wish their finances and assets to be handled in the event of divorce.

The government has opened the consultation and is seeking views on its proposed changes from the public. It will close on the 14 August 2026.

Read more:

Retirement planning is becoming more challenging.New figures from Pensions UK show that the income needed to maintain di...
19/06/2026

Retirement planning is becoming more challenging.

New figures from Pensions UK show that the income needed to maintain different standards of living in retirement has increased over the past year, largely due to rising everyday costs such as food, transport and household bills.

For many people, retirement can feel like a distant goal. Yet the research highlights the importance of reviewing plans regularly rather than assuming existing arrangements will always be enough.

The findings suggest that while many workers are on track to achieve a basic standard of living in retirement, far fewer are on course for the level of lifestyle they would ideally like. This gap can often develop gradually as living costs rise and personal circumstances change.

One of the key messages from the report is that retirement planning should be viewed as an ongoing process rather than a one-off exercise. Regular reviews can help ensure savings, investments and long-term goals remain aligned with changing circumstances.

Whether retirement is decades away or just around the corner, taking time to understand what lifestyle you would like in later life can be a useful starting point when assessing whether your current plans are likely to support those ambitions.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/pensions-uk-report-figures-paint-dire-picture-of-nations-saving

As retirement approaches, many people start thinking more carefully about investment risk. But de-risking doesn't necess...
17/06/2026

As retirement approaches, many people start thinking more carefully about investment risk. But de-risking doesn't necessarily mean moving everything into cash or giving up on growth.

In simple terms, de-risking means adjusting your investments over time to make them more aligned with your goals, income needs and comfort with risk.

A few key points to consider:

💡 Retirement can last decades, so growth may still play an important role even after you stop working.

💡 Diversification can help reduce reliance on any one area of the market, although it does not remove risk entirely.

💡 Taking withdrawals during market downturns can affect long-term outcomes, which is why some retirees build flexibility into their income plans.

💡 Your attitude to risk may change over time, making regular reviews of your investments important.

There isn't a universal age or milestone when everyone should de-risk. The right approach depends on your circumstances, objectives and how you plan to use your money in retirement.

The challenge is finding the right balance between protecting what you've built and ensuring your investments continue to support you throughout retirement.

After all, de-risking isn't about avoiding risk completely. It's about making sure your investments remain aligned with the life you want to live.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/approaching-retirement-what-is-the-right-time-to-de-risk

Fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shoo...
16/06/2026

Fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shootout.

A record-breaking five matches were decided this way in the 2022 tournament, including, famously, the final between Argentina and France.

Penalty shootouts offer goalkeepers the chance to be the hero, to display lightning reactions, diving to the left or right in an effort to keep the ball out of the net. In truth, they often would be better served staying put in the middle of the goal. But it wouldn’t look as good.

The same is true in investing – with so much noise around world events, it can be tempting to buy and sell investments as they rise and fall, to try and time the market. But history has shown time and time again the best option is to avoid making emotional decisions, and to stay true to your long-term process. While investments have delivered positive outcomes over many longer-term periods, returns can never be guaranteed, and you could get back less than you invest.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/investing-and-penalities-a-game-of-nerves-or-reactions

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns i...
04/06/2026

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings.

Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren

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