SCM Direct

The @bankofengland Monetary Policy Committee voted 8 -1 to raise interest rates to 4%. Q3 GDP growth now forecast at 0.7%. #inflation set to be 4.9% in spring. The big story is not today’s move. It is the direction of travel. With #inflation rising, the era of low interest rates looks firmly behind us. Investors should therefore plan for rates to stay higher in the medium to long term. That changes the maths of saving. A cash account paying 4% sounds respectable. Subtract 4% inflation and the real return is 0! Your money is safe in nominal terms and slowly shrinking in real terms. Three questions every investor should ask now: What is my return after inflation, not before it? What am I paying in fees, and what do they cost me in real terms? Is my money working towards a future I can actually afford? Higher rates are not a reason to stand still. They are a reason to look harder at what your money is really earning. A smarter way to invest. scmdirect.com Capital at risk. #inflation #InterestRates

Mothers in England lose an average of £65,618 in pay by their first child’s fifth birthday @ONS. The cost doesn’t stop with households: lost output, lost tax revenue and unused skills follow. Blog on our sister site moneyshe.com/the-motherhood-… #TalkMoneyWeek #ItAllCounts #Womenandwealth #moneyshe

The next generation wants transparency but is buying opacity. 97% of family offices say heirs’ priorities differ from the founders’ The money is heading to private markets: less transparent, less liquid, dearer. scmdirect.com/blogs-family-o… #TalkMoneyWeek #ItAllCounts #Transparency

“Dreams start businesses. Plans build estates and secure futures.” @thatginamiller on Black wealth in Britain and the four changes that would close the gap. scmdirect.com/black-history-… #BlackHistoryMonth #WealthGap Capital at risk.

"Dreams start businesses. Plans build estates and secure futures.” @thatginamiller on Black wealth in Britain and the four changes that would close the gap. scmdirect.com/black-history-… #BlackHistoryMonth #WealthGap Capital at risk.

@SCMDirect co-founder @thatginamiller will be joining @IainDaleAllTalk for Cross Questions at 8pm this evening on @LBC Radio to discuss the upcoming #budget and the top stories of the day. Other guests Labour MP and former minister @SeemaMalhotra1, former NI first minister Baroness @ArleneFosterUK Foster and journalist @ianbirrell.

Every financial plan assumes a return. Few state the cost. £100k over 25 yrs: ~£429k at 6% a year, ~£300k after 1.5% in total costs. Same plan, £128k less. Ask for one all-in figure. #WorldFinancialPlanningDay Illustrative only. Capital at risk.

The state pension debate reminds us it was only ever a floor, not a retirement plan. A comfortable retirement depends on your own savings, and the earlier you invest, the more time your pension pot has to grow. Costs matter too: high fees compound as surely as returns. scmdirect.com *Capital at risk.* #Triplelock #retiremnt #pemsion #SIPP

57% of graduates are women, yet no gender impact assessment was done on the student loan system or changes. Lower pay + career breaks + a debt that keeps growing = the pension gap, 30 years early. For any new students starting university, make sure you read the fine print! Gina Miller 🎧 investorschronicle.co.uk/con… #StudentLoans #freshersweek @IChronicle

41% of young men aged 18–35 are investing. Only 20% of women of a similar age are. That gap doesn't close with age. It compounds - through lower pay, career breaks and the pension gap - for 40 years. Gina Miller 🎧 investorschronicle.co.uk/con… #PensionAwarenessWeek @IChronicle

The next generation of family money says it wants transparency; but buying opacity. They're moving money into less transparent, less liquid, and dearer assets - when lower-risk options are available. Right diagnosis. Wrong cure. Also, 97% of family offices say heirs' priorities differ from the founders/parents. Similar across all families. 👉scmdirect.com/blogs-family-o… #FamilyOffice #WealthManagement #InvestmentCosts #Investmentrisk *Capital at risk*

Only 23% of couples discuss money, investing or pensions. MoneyShe research. This Pension Awareness Week, have the conversation. And whatever else you do - have an account and a pension in your own name. investorschronicle.co.uk/con… #PensionAwarenessWeek 🎧 @IChronicle

2025 data: 71% of UK assets are owned by men. More women hold their money in cash - which, against inflation, is a slow puncture. "Visibility is not the same as confidence and voice." - Gina Miller, in a new @IChronicle Investors' Chronicle podcast investorschronicle.co.uk/con… #PensionAwarenessWeek 🎧 Capital at risk.

Budget 28 October. Gilt yields climbing. Comparisons of the AI boom to 1999. Where do the risks and opportunities sit for investors? Hear from our CIO Alan Miller & Bond Specialist Charles Samen - between them, they’ve run money through the dot-com crash, 2008, and everything since. Weds 23 Sept - 16:00 Investment Webinar REGISTER TODAY - us06web.zoom.us/webinar/regi… Capital at risk.

On any food item, there’s a label telling you all the ingredients. It’s time for a Fee Label to tell you all the costs, charges & cuts on your pension & investments Our suggestions to the @FCA are here scmdirect.com/blog-three-ste…