M. Stevenson Wealth Management

30/06/2026

The best time to start investing was yesterday. The second best time is today.

One of the biggest advantages investors have isn’t trying to predict the market—it’s time.

Starting your investment journey sooner gives your money more opportunity to benefit from compounding growth, where any returns generated can go on to generate returns of their own. Over the long term, this can make a significant difference to the value of your investments.

Everyone’s attitude to risk is different, which is why investments can be tailored to suit your individual goals and comfort level. Whether you prefer a more cautious approach or are comfortable taking on more risk for the potential of higher long-term returns, there’s an investment profile designed to meet your needs.

It’s also important to make the most of the tax-efficient investment options available, such as ISAs and pensions, helping you work towards your future financial goals in the most efficient way possible.

Remember, investing isn’t about timing the market—it’s about time in the market. The earlier you start, the greater the potential for your investments to grow.

If you’d like to understand how investing could help you achieve your financial goals, get in touch for a no-obligation conversation.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

M. Stevenson Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products.

29/06/2026

Pension vs Stocks & Shares ISA – Which is right for you?

The answer often depends on when you need the money and how you want to be taxed.

💷 Pension
✅ Tax relief on contributions (boosting the amount invested)
✅ Employer contributions may be available
✅ Tax-efficient growth
✅ Normally accessible from age 55, rising to 57 from April 2028
✅ Currently outside your estate for Inheritance Tax (this is due to change from April 2027)
✅ Annual allowance: Up to £60,000 (subject to earnings and individual circumstances)

📈 Stocks & Shares ISA (Individual Savings Account)
✅ Invest up to £20,000 per tax year
✅ Withdraw money whenever you like – no minimum age
✅ All withdrawals are completely tax-free
✅ No Income Tax or Capital Gains Tax on investment growth
✅ Ideal for medium and long-term goals where flexibility is important

The key difference?
A pension rewards you with valuable tax relief for locking your money away until later life. An ISA gives you complete flexibility, allowing access to your investments whenever you need them.

For many people, the best strategy isn’t choosing one or the other—it’s using both to build a tax-efficient financial future.

Tax treatment depends on individual circumstances and may change in the future. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

M. Stevenson Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products.

14/06/2026

🛒 Doing your weekly shop?

If you're heading to Tesco, please don't forget to pick up your Blue Token and pop it into our box! 💙

Every token helps us raise valuable funds for our girls' pathway, helping us provide more opportunities for girls to get involved, develop their skills and enjoy their cricket.

It's completely free, takes just a second, and could make a huge difference.

Thank you for your support! 🏏💙

22/05/2026

3 days ago The Pensions Commission published its Interim report. Final recommendations will come in 2027.

The findings highlight that action is needed.

The Commission examined why tomorrow’s retirees are on track to be poorer than today’s with too many working age adults are saving nothing at all into a pension

IS IT TIME TO DO SOMETHING ABOUT IT?

The Pensions Commission has today (19 May) published its interim report on the state of retirement saving in the UK, setting out the key challenges facing the current system and where it will focus its work next.

20/05/2026

A great weekend at The Warwickshire for our annual golf trip, with some challenging but superb courses and plenty of competitive golf.

A huge thank you to Paul W Martin for organising another fantastic event. Congratulations to first-time team champion Mike Chadderton on lifting the Claret Jug, and to our new individual champion (who just happened to be the weekend’s shirt sponsor!) for taking the top honour.

Already looking forward to next year! ⛳🏆

13/05/2026

We help private individuals and business owners build their clear plan to achieving the lifestyle they dream of. Whether it's your first steps or simply your next step, the advice we provide will be bespoke and tailored to your objectives.

M.Stevenson Wealth Management aims to build long term relationships with clients to tackle the most difficult financial hurdles in life for you and your family and their futures.

If you wish to make the next step, lets start a conversation

27/04/2026

What is it that I actually do?

I help people make sense of their finances — not just one piece, but the whole picture. From investments and pensions to protection and long-term planning, I take a holistic approach so everything works together to support your goals and your life.

Clear advice. Personal to you. Built for the future.

You can contact me by email, Messenger, WhatsApp or phone — whichever suits you best. Even if you're unsure whether I can help you, you may be surprised what a simple question could lead to.

I am an appointed representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

31/03/2026

Last week's market update in 6 minutes: https://ow.ly/7PKx50YACmM

📊 With the Iran conflict now entering its fifth week, the ability of the UK economy to withstand a prolonged economic shock is coming into increasing focus.

💲 While the price of gold has fallen from over $5,000 per ounce since the start of the Iran conflict to under $4,500, the dollar has moved in the opposite direction.