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Christina Brady from Blacktower Financial Management 07-03-23 | BayRadio
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Oct 29, 2024
The latest from the financial markets with Christina Brady from @blacktowerfinancialmanagem7049 For any enquiries contact info@blacktowerfm FAO Christina or get in touch through the website: www.blacktowerfm.com Be sure to Like and Subscribe to our YouTube channel for more insights from BayRadio Spain, and follow us on Social Media: Website: http://www.bayradio.fm/ Facebook: https://www.facebook.com/BayRadioInSpain Instagram: https://www.instagram.com/bayradiospain/
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0:00
we specialize in protecting preserving and growing your wealth Black Tower financial management the team you want
0:06
by your side visit blacktowerfm.com 7th of March for at and so it's a couple of
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weeks gone by since we last spoke to Christina Brady from Black Tower financial management should be on the line now good morning good morning oh
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that's good morning can you hear me yes I can yes in the mornings I guess you're sort of instantly having a look at see
0:24
where the markets are what it's done overnight that sort of thing or are you um sometimes yes sometimes I'll wait
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till later in the day it depends what time I've got really um at the moment unless there's some big
0:37
news I don't really have to worry the footsie is quite steady I know it went to 8 000 but it came back down and it's
0:43
hovering about the seven nine Mark yeah and the same with the exchange rate hasn't really changed that much 112 uh
0:50
you know 113. there's really not a lot of movement so unless there's been a big you know something has happened or the
0:57
US market or the Asian market has um reacted overnight I don't worry really
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because most it tends to follow what happens in the U.S and in the Asian markets U.S closes Asia opens then we
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open so um so so you can usually you know you know if you if there's going to
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be some sort of big drop unless there's a big announcement during the day or some governments that are somewhere in
1:21
the world you know drops a boo-boo um they're quite steady so yeah not a lot in the markets actually no I mean
1:27
I'm looking across Europe at the moment and just flat as you'd say nothing really moving in either direction at the
1:34
minute during the day it isn't you know even if you look at the in the dark
1:41
but Dax is the German index and the khakis the French you know they're flat as well not much movement there and I
1:47
don't know what's happened on bitcoin though I think that went down a little bit didn't it I think yes and that's
1:53
quite flat yes it kind of trundles along and then uh I don't know just when I think I've got the hang of it and this
1:59
is the whole thing with Market she try and time the markets and guess what's going to happen it's not as easy as um
2:04
in theory otherwise we'd all be in the we'll see living in a solid gold house somewhere obviously but yeah that was
2:09
down a touch but Tim I think there's more to come there and as you say with the exchange rate what's the latest um
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with interest rates last I saw was um it may be not as big a rise as people were
2:20
expecting when are they meeting next you know uh I'm not sure but I know the bank of England Governor he's warned that
2:27
they will have to raise interest rates above four percent right um uh because uh but and also the fed
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the FED has signaled the intention to uh to higher interest rates as well
2:40
um today the FED gives its annual monetary policy meeting to the senate committee so we'll see what's there
2:46
Wednesday we have the Eurozone GDP figures which will be interesting but I think there is a consensus actually out
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there now that actually which I've been saying all along raising interest rates is not the way to cure inflation what
3:00
it's doing is it's killing the economy it's choking consumer demand and I as I
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said before you really need rather than raising interest rates and raising taxes when you have times like this you should
3:11
be cutting taxes so that people feel they have more money in their pocket and they go out and they buy more stimulates
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the economy leads it to grow at the moment you're stifling any growth because people are just not going out
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and and buying items unless they need to they say inflation is 10 or lower but if
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you look at Food inflation I've been speaking to various people over the last few weeks food bills have gone up by 30
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at least yeah uh since all we started some people 40 50
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um what they do when they do inflation figures is they add in things like white goods the electrical Goods where you know the prices haven't risen that much
3:47
so people are finding it very very hard and I think people are very afraid
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um to rush out and spend their savings because they feel they may need them you still got high energy costs you know if
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you have got a mortgage interest rates have risen so that's eating into your disposable income and I did see one of
4:06
the Tory ministers she came out and said well what people need to do is get another job you know or get a
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um get a promotion but for the average person if you're doing one job jobs are not nine to five anymore they take you
4:20
know they take up all your time how are you meant to fit in a second job you're just gonna make yourself ill through
4:25
stress and through this and it's just really really not on and they're saying that at the moment food poverty is huge
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uh one in seven people is skipping meals um as the cost of living rise is I was
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just looking at that story yeah parents are regularly skipping meals to feed their children so I think we do need a
4:45
rethink I think ratcheting up interest rates is not good especially as the banks are not passing that on to Savers
4:51
so you've got the mortgage rates going up and you've got Savers still you know most of them are earning two percent you
4:56
can get some fixed rate deals now but we'll wait to see but they are predicting that we will see more rate Rises both in England and in the US and
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most probably in Europe yeah it does seem that um the energy prices um the inflation as far as that's concerned maybe you've dropped a little
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bit but it is food that's keeping it right up there and that's obviously it's an essential thing it's the Daft is an
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obvious as that sounds and that's really causing issues and I don't know does the
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vegetable shortage because of well they say it's because of the Spanish weather may have something to do
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um yeah but but we've got we've got them in Spain you know everywhere across Europe has got them
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um it's is you know the excuses they're coming up with as I said before I think countries have become too dependent I
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think that's because of the EU policy EU policy means that certain countries specialize in certain areas
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um they become too dependent on other countries for for basic necessities uh like fruit vegetable various foods and I
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think countries I'm you know I'm not saying that some of the rules that you have bought in place are bad I said but
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countries do need to be able to support themselves in times of hardship and talking about in the UK with this cold
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weather in the UK at the moment Britain is firing up its cold um coal driven energy plants so they
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have enough electricity for this coal snap because there's going to be blackouts and if there starts to be blackouts obviously people can't heat
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themselves people could start to get ill could die from hypothermia so you know we've got various things at odds with
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each other we've got the EU pressing for us to be all green to become carbon
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neutral if we become carbon neutral we all die because we are in you know to get rid of carbo they've got to kill us
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so there's got to be a happy medium there and you know they're all saying they're trying to get nuclear power
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reclassified as green um because they realize that there is no way just from solar wind and other
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sustainable uh what they call sustainable energy that they are going to be able to keep the countries running
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um so that's something you've got to think about and it you know in the UK with this weather people do need to have
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electricity they do need to keep warm yeah hopefully um it's not going to be too drawn out just this uh I know
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there's this the front in place at the moment which is really keeping temperatures but everything's going to
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be all right because Greg's are opening 150 new stores and Starbucks 100 new UK sites
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um and it shows you the way it's going but yeah I don't know but then again you know these stores these places are open
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in more stores but the wages they're paying they're not highly paid jobs um so you know it's all as I said before
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it's all okay you know MP saying get a second job but when you're at the lower
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end of the wage scale it's very very difficult to increase the amount of money coming in because you know you are
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working very very hard but it is good that there is some expansion because obviously there's been a lot of jobs losses elsewhere especially in the
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technology industry yeah meta which I think is Facebook um they've said that they're going to
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lay off thousands more staff in the coming weeks starting this week Airbnb
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has cut its recruiting staff by 30 30 and something called a lot a lot of sin
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I can't remember that it's a software company they've cut 500 jobs so in the technology side in the hospitality side
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they're cutting jobs so obviously we need something to counter that so it is good when you hear the other places are
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you know expanding yeah because obviously you've got some slack coming out yeah at least something is I suppose yeah meta is um yeah it's obviously
8:28
Facebook and Instagram of course oh is it is it Instagram yeah yeah I mean it's
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their own fault for making well it's this is not the the employee's fault obviously but Facebook is just unusable
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these days pretty much Instagram's all right but um they're not the only tech company it's just the way it's gone they're the latest yeah I know Amazon's
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laying off Google's laying off they're all laying off um Instagram is a thing that the youth
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use so it's quite popular Facebook used to be popular I think you know people
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don't really use it that much anymore not for personal stuff no it's it's no business you don't post much on there so
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because no one sees it the technology Industries are definitely laying off yeah and who knows what's going on at
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Twitter at the moment with uh Elon well they all recruited so heavily during covid didn't they because they thought
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oh this is you know golden times this is going to carry on forever when Kobe goes people are still going to carry on
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wanting to do everything remotely and they forgot that humans need interaction I'd much rather go to a shop and buy
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something if I could than do it on the internet I find it quicker going to a shop than trying to do it on the
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internet to tell you the truth yeah and if it's clothing and stuff you never know with size wise it can vary considerably there's quite there's a lot
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of accounts online dedicated to that so this is what I thought I was ordering and this is what I got they look like
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some sort of a meringue or so I don't know but it's yeah it is frightening actually
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um and this um guy on Twitter here well he worked for Twitter but she had to ask on the platform itself in a tweet have I
9:59
been fired Mr musk because they don't they don't know what's going on there so it's I don't know how that's affected
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share prices and the like but um but if you saw some of the videos they were posting the staff there
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um it was over staffed they were doing nothing they had such a cushy life have you seen their offices they had beds to
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relax on you know some of them were boasting all the time that they were getting paid these huge salaries for
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doing nothing so you do need to streamline the business to make it profitable you know musk hasn't bought
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it as a money loss Adventure he's bought it you know he wants it to make money um that's why he's so rich so people
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have to accept the fact that if you have got too many staff if your income doesn't you know doesn't justify those
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number of Staff they've got to get rid of and the trouble is some of these have been so pampered they don't understand
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you know why why they're losing their jobs and they they know they won't be able to find another job that gives them
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the same benefits for doing nothing so what he's doing is he's keeping the good ones he's looked through and he's seen
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the ones that have actually justifying their existence and the ones that have been just riding along On the crest of a
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wave doing nothing he's getting rid of them and I think that's really really good any industry would get rid of the slack I think people are some people are
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picking on Twitter because they don't like musk but it makes good business sense and I think anyone that's had a
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business will understand what he's doing yeah you can you do that for so long but get found out eventually when you when
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you just cruising and doing that thing where there is a word for it where you look busy when the boss is around there's a term for it's probably Germans
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Germans will have a term for it in return for everything but anyway must be a term for it I know when I worked in
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the city there were certain individuals who always tried to get in before the boss and always left after the boss and
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they weren't exactly busy but they tried to look busy and they looked good in the eyes of the boss where some people worked really really hard you know know
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in certain hours and went home and then they got they got told off oh you're not here enough you're not and you're
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thinking well I'm doing twice as much work as the people who are sort of you know showing themselves around
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um so you know in the end it does you do get found out and I think unless you're
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in the public sector in the private sector you know it's you have to make money you've got shareholders you've got
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business owners uh no one's supposed to be running a loss and that's why that's happening and I think that's why
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happening in the tech industry and all these uh online uh companies fashion whatever because they over staffed
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um and now they're having to cut back obviously to make themselves profitable again I know you wanted to talk about
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um different types of funds and investing uh because this is yeah this is key to what you do that's right yeah
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yeah yeah management sales for funds because there's been a lot of discussion lately about whether you should have
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active or passive managed funds when you're investing and I've had a few emails about it so I thought I'd just
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tell people there are different um funds different ways of managing funds
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um you've got active and passive and there is a new well a sort of hybrid between the two called Factor so active
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uh when they do active management it usually um they aim to outperform the indices
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um they're Diversified they're not predictable they can be quite volatile they involve frequent buying and selling
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they have um a higher cost than passive funds
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um and they're usually more risky but if you want to make money people tend to go more for active manage now passive
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managed funds they're usually low cost they're again they're Diversified they tend to follow an index
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so what they do is they they will try and replicate a specific index or a
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market so say the ftse uh to ftse 100 the s p uh the NASDAQ but there are some
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very good ones out there Vanguard is a prime example a very very low cost does exceptionally well and I think you know
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people there's always this debate over which is right which is wrong there is no right there is no wrong
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um I think most portfolios should have a mixture of two and there is a new well another way they use it's called Factory
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investing and it's rules based and it combines active and passive investing
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and it's highly adaptive again it's Diversified it's sort of in between the
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two on cost um so there are different things that you you know when you get a portfolio if
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you have a fund a financial advisor within your portfolio or most of you
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have a mixture of of two most people go over the active route with a few passive funds some people come to me and they
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say look we'd like to track the ftse or we'd like to track the s p and as long
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as they understand how those indices work we're more than happy to incorporate them into their portfolios but but I I do know some people have
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heard quite negative things about passive fund management it's not necessarily a bad thing there are some
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very very good passively managed funds out there and I and you know the same goes for active funds
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um and you know it's something people need to be aware of that there are different management styles and this is
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something you can point to clients towards and obviously as you just said tell them about it and incorporated into
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their portfolio so you you can do this yourself with pretty much anything yes yes yes we can and that's why we're here
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and also if you've got a discretionary fund manager they will be doing this as
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well and if you've got some instead of funds uh some people invest in portfolios and these portfolios take
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different funds from across the market and combine them into one to try and give you an optimal return and they will
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have a mixture of both as well and usually if you look at the underlying information on the fund it will tell you
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which ones are passive which ones are active and it will run through it for you and it's you know it's something
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that people need to be aware of it's not something that you need to make a decision on obviously if you've got a discretionary fund manager or you're in
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a portfolio or you have a financial advisor that's for them to do but just so you're aware if you go and see if a
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financial advisor and they say look this is a passive fund you know that's generally going to be low cost it's going to track an indices or a market
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um and it you know it it's a Tracker fund and if they say they're actively managed you know that they're liable to
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be a little more volatile well both of them are Diversified and there is a difference in cost between the two and
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while we're on investing you know um if you're a balanced investor it was
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seen that the ideal portfolio was 40 60 that 60 equities and 40 bonds and that's
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been a tradition for ages and that's what a balance investor would usually get in their portfolio however due to
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market conditions over the last 20 years most agree that this needs to change so
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um there was something someone called Bob rice who's works for targent Capital and he predicted that if you have a 60 40
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fund it's predicted to grow a rate of about 2.2 percent in the future and what
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they're saying is now you need to broaden the allocation because this 60 40 funders says 60 equities 40 in bonds
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that people are saying that you need to bring in other Investments so Alternatives you know you need to mix it
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up a bit more and I think most of the traditional funds are now doing that um so there are changes in the market I
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think we are adapting um to what's been happening in the last 20 years when markets have changed
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people's expectations have changed and uh necessarily the 60 40 which always
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seen as balanced is not the way to go now especially if you want to achieve more growth but then you've got then
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that's over the long term nothing's a quick fix it's medium to long term um and obviously there is a slight
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increase in Risk but it's not unacceptable and I think people need to be aware of that so if you go see your financial advisor and you are you want a
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balanced portfolio they may say to you look we need to add in some other funds um and I would agree with that just to
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give you that little bit extra uh upside if at all possible and it's one of those things isn't it um that the stuff you
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sort of grow up learning it doesn't necessarily apply now like we talk about you know keep your money in the bank and
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learn your nice little bit of interest and you need to move on and keep up to date with things and it sounds like that's the sort of thing that's that's
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going on there these people have their their F on the p and uh when it comes to investing your money they need to of
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course they do do yes and I think we've seen over the last well since um I think last year was the worst year
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for a 60 40 portfolio since the 1940s because of everything that happened you
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know the economic uh repercussions of covid Etc and I think most of the portfolio manage we do use quite a few
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portfolios some run you know like Brooks McDonald uh rathbones Marlborough and I
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was listening to a talk rathbones give the other gave the other day and they're restructuring their portfolio
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to take into because they do that all the time but they're doing more of a a
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restructuring and so are the others because what you'll have to do with the changes in the markets the conditions as
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they are at the moment you've got to restructure more than you ever did before and you've got to put in more
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stuff and look for alternative Investments and I think that's what companies are doing we do a lot of work
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with the pro and that's one of our best sellers and their portfolios are always moving and they are incorporating
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Alternatives like they're looking for sustainable Investments um they're actually buying certain
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projects that deal with renewable energy Etc housing to supplement what is usually
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traditionally held in a portfolio to give you the extra oomph and to try and protect you against volatility in the
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markets and I think at the moment that's key we've got so much political unrest and we've got as you know inflation and
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we've got other factors as well that that's what needs to happen you know if you just look around Europe but France
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today there's loads of strikes where the unions are protesting against macron's pension plans we've got trains not
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working we've got school shuts you know we've got things happening in the UK as we know there's always strikes going on
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we've got the us where the current government is quite ineffectual and we
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need a change of government which will happen in the end of this year 2024
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um you know there's lots of things going on around the world and it's difficult to hedge against political uh you know
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instability but most uh portfolios and funds now are
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understanding that they need to put in alternative Investments alternative to the traditionals which are equities and
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bonds yeah as you say it's a big day of action in France affects the airports as well so anyone that's traveling Oh
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that's it I didn't realize that I need to train schools you know various other things but I didn't realize it was an
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effect in the hospitals as well yeah the airports it's it's all in red every airport within France if you look at the
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map there um so you just have something to bear in mind but it's so would that affect flights coming to Europe is there
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like is it is air traffic controllers not their traffic controllers as far as I can tell no just uh within the
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airports itself but um yeah it's it seems an odd thing that work out I know the French don't like change especially
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when it affects their but going up to 64. the retirement age was 62 that
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they're moving it from it seems like nothing these days it doesn't when you think the UK and and
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Spain are heading towards 70. and you know and and they're saying that
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if you look at the state pension age it should be even higher because what they're the the what people have to
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realize is the state pension is really a glorified pyramid scheme so at the moment we've got less people
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paying into it than people want to take out so there's not going to be enough money if this carries on we haven't got
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you know the youth the people paying in um so what they're saying is when it came out
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um the average life expectancy was about 50. yeah and you didn't get your pension
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until you were older than that and if you look at life expectancy now it's 80 82 83. I feel they've been mad to try
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and raise the state pension age to anything above 70 because it'd be very hard for people to work at age your body
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and your mind just think gosh we want to relax but you can understand where they're coming from the states
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cannot keep on paying out when there's not enough money coming in no no it just
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it just can't happen um but when you've worked all your life and you still you know when you're sort
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of near retirement age and they suddenly raise the goal posts and you have to work for a few more years or sometimes
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five ten more years it can be quite frustrating but if you look in France
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and in the UK and other countries certain sectors have lower retirement ages anyway in the public sector like if
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you're a policeman if you're a fireman Etc you can retire at an earlier age
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um but yeah there is a lot of unrest in France and I think if they uh you know push retirement ages up up anymore
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across Europe there'll be a lot more demonstrations in other countries as well as I said you get to a certain age
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when you just can't do those jobs anymore whether it's a if it's a
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laboring job obviously a lot sooner than if it's an office-bound job but there are limits to people's abilities and I
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think governments need to recognize that as well yeah I heard you said this is still very the sort of agricultural
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sector in fried and France and um yeah manual work as it works so that's yeah definitely thing but um again they must
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be in the same position where they're not having as many young people coming through yeah that's aging population it
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must because Spain is a particular example of that where um it's it is it's unsustainable you can't see how it's
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going to be kept up it is and it's across the world it's happening in Italy it's Cafe
23:54
you may pay in all your life and then governments may decide that right State pensions are going to be means tested so
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even if you've paid in you may not get something um they they they're going to have to do
24:06
something to balance the books and it is very very worrying especially if you're in your 40s or early 50s you know when
24:13
or it's not when will you get your state pension it's if I will get a state pension I think is the main question
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they're asking now yeah I've done all my calculations and when I took my pension and when I'm well at 67 I guess the ages
24:26
at the moment okay what are the 24 hours that's going to be the concern can probably take one day off before I have
24:32
to start earning some money again but so that's the way things are yeah and actually talking about that there was an article in the paper about the UK
24:39
government um because you could top up your state pensions
24:45
um so people have been allowed to uh top up their state pensions and the government was um trying to tell people
24:52
that it was going to stop this days on April the 5th but now they're trying to
24:57
push that back to 2025 and I think if people if you are due estate pension in
25:02
your near retirement age it's worth getting a forecast for your state pension and seeing how much it would be
25:09
if you're not getting the full pension to top it up and working out the economics is it worthwhile you're topping it up so you get the full
25:15
pension and for most people I've have come to see with me yes it has made
25:20
sense for them to top up their estate pension because the amount they're going to get makes it worthwhile so if you
25:26
haven't already you can go to the website you have to it's a Gateway I
25:32
think you have to form this Gateway account and then you can get your forecast for the UK state pension and
25:38
it's interesting to find out you know if you're going to be getting the full state pension if you're only going to get in you know 50 Quid a year or
25:44
something at least then you know at least you can factor that in to your plans for when you retire or you know
25:50
for when you reach retirement age so you're talking about people that have moved away and have anyone can do it so yeah based it
25:58
anywhere in Europe as long as you've paid into the UK so they pension you can go on and you can get a full cost yes
26:04
and also you can find out if you can top it up and how much that will cost and I think it is worthwhile for people to do
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that because sometimes people forget how many times they've how long they've worked and how much they're you know how
26:16
much they've paid in even if it's voluntary contributions or if you're working you know those sort of things you know I don't know there's different
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classes in their class three Etc but it is worthwhile looking at it to see what
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you can do and to see if it's worthwhile topping it up yeah because the basic state pension I think
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the story at the moment it's about 142 pounds per week so that's around 7 400 a
26:40
year I thought it was but yeah maybe not if you get the full one it's about nine and a half thousand dollars yeah it can
26:46
it does go up depending on how many years you've worked so at the moment it's uh if you is a two-tier system and
26:54
it was replaced by the flat rate system so it's currently worth 185 pounds a week around 9600 a year yeah that'd be
27:01
about right I know you're meant to get a 10.1 rise in April which for most people we very very welcome I think you know
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especially if you are relying on your state pension to help cover some of the cost of your heating bill and your food
27:14
increases it is a welcome relief but even if you've not paid in the full 35 years you know or if you contracted out
27:22
for some reason you still may be able to top it up so it's worthwhile looking at it definitely yeah we've mentioned that
27:28
before I think that um it's it's because it's relatively speaking it's not a lot in Social in National Insurance
27:34
contributions to you know to pay weekly monthly whatever but also on there I noticed because I have a Gateway account
27:40
from paying to hmrc you know regular sort of tax returns and you can see
27:45
where you've missed any years but um you can't make those up you can't pay that if you've missed a
27:51
year like there was too long ago yeah you can't um so far yeah yeah it'll show you where
27:57
the gaps are but um yeah I think it goes back to two hang on
28:04
what's it called an urgent two-year extension to buy extra years going back to 2006. so you know you can still go
28:11
back away um so it's just I'm just saying to people you know if you if you want to I
28:17
would go and do that and at least gives you some indication of what you're going to get or what you're not going to get yeah I mean and if maybe people have
28:25
forgotten about it but yes you can do that and then if you are do a Spanish pension as well if you put in your what 15 years or so um you could get the two
28:32
combined that's it's not too bad you can say so you know as I say to people you know you've worked hard if you're doing
28:38
any money try and get that money you know why not let's just remind that um Black Tower of course she offices across
28:45
the world we're not just talking about along the east coast of Spain here no we're not we've got offices across Spain
28:50
across France um across Europe we're in the Netherlands Portugal uh Switzerland Sweden uh we're in the UK and we're in
28:58
North America and South America and Australia yeah so you know we are a
29:04
global company and blacked has been going nearly 40 years now so it's not a startup company it's been here a long
29:09
time it's seen the good and the bad times and we've always been here for our clients and if you have got any
29:15
questions or you want any advice at all to do with pensions or savings or
29:20
Investments please just get in touch the easiest way is to send an email to info
29:25
blacktower FM that stands for financial management.com put for the attention of Christina or Bay radio and then they
29:32
know how to pass it on or you can go to our website which is blacktowerfm.com if
29:38
you click on contacts page you can then go down and see my details or you can
29:45
just fill in one of the forms and send it off and we'll come back to you alternatively if you can call the office which is
29:53
96505-8212 if we're in meetings you may get a recording message but if you leave a message we'll get back to you as soon
29:59
as possible thank you it's um just the usual reminder that there are opportunities out there everything
30:04
sounds terrible if you listen to the news but with the market volatility comes opportunity sometimes so worth
30:11
getting in touch it does definitely Lee all right well thanks ever so much for your time as always thank you very much lucky to have you for this hour review
30:17
fortnite and speak to you in a couple of weeks time listening and exceeding expectations for over 31 years Black
30:23
Tower financial management the team you want by your side visit blacktowerfm.com
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