Manfield Wealth Management Ltd

Manfield Wealth Management Ltd Investments
Wealth Management
Inheritance Tax Mitigation

A great email this morning for the company - now a 'Top Rated Adviser' from Vouched For. Many thanks to my clients for t...
19/02/2025

A great email this morning for the company - now a 'Top Rated Adviser' from Vouched For. Many thanks to my clients for their reviews.

We've had our first seminar... On Intergenerational Wealth Transfer!Guest speakers from 7IM (pictured) and Abrdn Invest...
11/09/2024

We've had our first seminar... On Intergenerational Wealth Transfer!
Guest speakers from 7IM (pictured) and Abrdn Investments.

Many thanks to all the staff who helped this day go well at The Customs House Mill Dam South Shields...

A superb venue, supporting local interests.

Recently visited a 'Bankhall' development day, Bankhall are the company's compliance management. Had a great day with so...
23/05/2024

Recently visited a 'Bankhall' development day, Bankhall are the company's compliance management. Had a great day with soem excellent updates on markets, inheritance tax and new compliance regarding ESG funds - Environmental Social Governance and how this broad name may be soon replaced with more specific and relevant meanings...
A good lunch and super venue too provided by Durham Cricket Club ground at Chester-le-Street...

So, hopefully should keep the posts more regular this year and useful of course too. But to start off I thought I'd shar...
24/01/2024

So, hopefully should keep the posts more regular this year and useful of course too. But to start off I thought I'd share a couple of events from late last year.
First one being the Festival of Finance held at North Tees University Hospital... A brilliant day meeting NHS staff and helping with their queries...

The European Union wants 55% of its electricity to be renewable by 2030. And last month it announced its Critical Raw Ma...
08/04/2023

The European Union wants 55% of its electricity to be renewable by 2030. And last month it announced its Critical Raw Materials Act https://ec.europa.eu/commission/presscorner/detail/en/ip_23_1661 as a key part of getting there.

It makes something extremely clear - Geography matters.

Four of the key metals for a green energy world are copper, cobalt, nickel and lithium.

To see on the map attached – the orange shows the location of the countries with the majority of these key metals

Source: 7IM/https://www.mapchart.net/world.html

The European Union doesn’t feature. Top rated for tourism, culture, history, food etc. But not when it comes to natural resources for the next century.

Their official strategy finishes up by stating “The EU will never be self-sufficient in supplying such raw materials and will continue to rely on imports for a majority of its consumption” (our emphasis).

You can expand the list to other materials (aluminium, chromium, titanium etc), and look at the top ten or twenty countries in terms of reserves, its a similar situation.

The rest of the world will get more orange, and the EU will stay grey.

The geographic lottery, for the first time in centuries, no longer favours Europe. Interesting thought.

A few weeks ago, I posted how global shipping became massively congested in 2020-2021, but is now free-flowing again.But...
20/03/2023

A few weeks ago, I posted how global shipping became massively congested in 2020-2021, but is now free-flowing again.

But there’s more to the story! In fact it is the classic story of economics. Supply and demand, and boom and bust.

Before 2020, the average cost to send a 40ft shipping container from Shanghai to LA was about $1,600.

Then COVID shut the world down. Suddenly, shipping became scarce (because most of the ships were waiting to be unloaded).

By September 2021, the same container on the same route cost more than $20,000. A near 1200% increase!

Now though, things are moving again. So prices are back to normal, around $1,600.

Here’s the thing though. In late 2020, the big shipping firms saw prices going up.

“$20,000 per container?! Wow, if we had another five ships, we’d be billionaires!”

So they placed orders for more ships. Every single firm was making the decision individually, but they made the same decision, at the same time. BUILD MORE BOATS!

It takes about two years to build a container ship. So those orders are now being filled. The result?

Over the next three years, total global shipping capacity of the WORLD is set to increase by 30%*… just as prices have fallen back to normal.

We saw similar shipping overcapacity in 2015, and it caused one of the top ten companies – South Korea’s Hanjin Shipping – to go bankrupt. It’s amazing how quickly an industry can forget a lesson!

We talk a lot about how pricing and therefore inflation is self-regulating….this is a timely example.

See you next week!

Sources: Freightos/7IM, costs
Macrobond, container numbers and

*https://www.freightwaves.com/news/colossal-tidal-wave-of-new-container-ships-about-to-strike

There’s a very important trend that we don’t notice too often in the wider world – although we probably notice it in our...
03/03/2023

There’s a very important trend that we don’t notice too often in the wider world – although we probably notice it in ourselves most days in the mirror…

Ageing.

Did you know that by 2030, one in SEVEN humans on the planet will be over the age of 65?


Source: 7IM/https://www.un.org/en/development/desa/population/publications/pdf/ageing/WorldPopulationAgeing2019-Highlights.pdf

And by 2030 in Europe, it’s even higher; nearly one quarter of the continent.

Governments need to adapt. Lots of age-related structures in our society (pensions, health service, social care) were created in the 1950’s, when less than 8% of Europe was over the age of 65. They might not work so well where grey hairs are nearly triple that!

Because getting old is expensive. It costs nearly three times as much to treat someone over 65 as for someone aged 18-44.

As you might expect, the private sector is already all over this trend (and the market opportunity it presents!). More than half of all new drugs in development target diseases that occur in people over 65.

And it makes sense when you consider where most of the money is; in the UK, individuals over the age of 65 have, on average, twice as much wealth as individuals under the age of 65.

No wonder that the big pharmaceutical companies are looking at demographics so carefully … and allocating their R&D dollars accordingly.

Have a good week!

Source: 7IM/https://www.un.org/en/development/desa/population/publications/pdf/ageing/WorldPopulationAgeing2019-Highlights.pdf

Had a great day yesterday at one of Bankhall's wealth development days. Items covered extensively were;- Consumer Duty u...
22/02/2023

Had a great day yesterday at one of Bankhall's wealth development days. Items covered extensively were;
- Consumer Duty update
- New taxation and its effects from this April
- An extensive range of options regarding improvements to investment strategies including using more alternatives to bond/equity/property

Many thanks to the Bankhall team and support from some leading names who were presenting, namely, but not limited to;
- Legal & General
- Canada Life
- Prudential


Its great to keep updated and share current requirements with other advisers, compliance teams and providers all in one place. Breakfast and lunch were nice too! 😀

Thanks again

15/02/2023

Fewer fossil fuels means many more metal mines. But its the route to a greener energy production. A lot of investment is likely in these sectors to be required.

The majority of countries in the world have a net zero-emissions pledge of some kind.

132/198 countries accounting for 80% of the world’s population and 91% of global GDP.

Some countries have achieved net-zero already (Benin, Bhutan, Cambodia, Gabon, Guinea-Bissau, Guyana, Liberia, Madagascar and Suriname), but realistically, most of the above map isn’t going green until around 2050.

Just how much stuff is required to make the shift is surprising, but the way to a a greener, more sustainable world.

A 100MW Natural Gas turbine, for example can generates enough electricity to power 75,000 homes – so roughly Carlisle, or Guildford, or Shrewsbury.

To get one built and installed, you need roughly 300 tonnes of iron ore, 2000 tonnes of concrete and an area the size of half a football pitch.

But if you want a wind-powered equivalent, you’ll need about 20 of wind turbines

And that’ll take ~30,000 tonnes of iron ore. And about 50,000 tonnes of concrete. And you’ll need 10 square miles of space, or about 5000 football pitches*.

As an alternative, solar power uses less land area, but needs double the raw materials of wind. Hydro-power needs more concrete, and more land.

That’s going to require a LOT of investment. As the shift occurs, we're likely to see a greater emphasis on ESG investing too (Environmental, Social, Governance) which involves companies paying high regard to less fossil fuel use and many other environmental and people-friendly policies. But we need to build the infrastructure first.

Sources : 7IM

09/02/2023

Morning everyone!

As we see steady improvements in markets at present relative to a tough 2022, its worth keeping an eye on the percentages often banded about and what they actually mean - the results can surprise you!

e.g. lets say for example an investment is worth £100.

Last year you lost 25%, but this year you receive a statement saying the investment has grown 28%, so all is great? - No, not really

If the investment fell 25% it would be worth £75.

To just get back to your initial £100 you therefore need a gain, from that point forward of £25, but from an investment now worth £75 - hence the gain required for recovery is actually 33%.

Its good news the investment in this example has gained, but it would really have increased by 28/100 x £75 = £21 and be worth £96.

As you can see a 25% fall followed by a 28% gain is a 4% fall overall 🤔 (which does seem odd when you look at it)

Don't be confused though, my advice is keep it simple.

Start with what you invested e.g. £100. Then don't accept the percentage gain, instead look at the actual value today - in this example £96 and you get a true picture more easily. 😉

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