12 August 2019
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About Us
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About Estate Capital
We want every client to consider Estate Capital to be their very own personal and trusted adviser.
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What our clients say
Please read the many testimonial endorsements our clients have provided on this website to see what they say about our advice and on-going service.
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Our client stories
We recently invited a few of our clients to share their own experiences of working with us so that you can see how our advice works in practice.
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Frequently Asked Questions
We want every client to consider Estate Capital to be their very own personal and trusted adviser.
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Advice Services & Fees
Our fee structure is designed to offer loyal clients a reward for growing their wealth through us.
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Meet the Team
Led by Chartered Financial Advisers – supported by a team of market analysts, researchers, investment managers and technical administrators.
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Our History
How our business has grown.
Financial Advice
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Financial Services
Make better-informed financial decisions that are right for you.
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Clear Financial Advice
Make better-informed financial decisions that are right for you.
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Wise Investment Advice
Make better-informed investment decisions that work for you.
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Helpful Retirement Planning
Have confidence in your pension and peace-of-mind to enjoy life now.
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Beneficial Retirement Choices
Have confidence in your pension and peace-of-mind to enjoy life now.
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Pension Transfer Guidance
Understand your options, take control and achieve your objectives.
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Avoiding Inheritance Tax
Help your children inherit more and give them the best future possible.
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Family Protection
Ensure your financial security for when you might need it most.
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Business Protection Assurance
Ensure your financial security for when you might need it most.
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Funding a Good Education
Plan ahead and give your children the very best head-start in life.
Wealth Management
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Wealth Management
Co-ordinate your investments, grow capital and increase your income.
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Building Wealth
Co-ordinate your investments, grow capital and increase your income.
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Investment Outlook
Understand some of the rationale behind our investment selections. We pride ourselves on the level of research we undertake when selecting investments for the Estate Capital portfolios.
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Investment Management
Maximise your returns with a level of risk you’re entirely comfortable with.
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Trustee Responsibility
Make the most of your trust assets.
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Discretionary Investment Management
Consider an alternative investment strategy.
Resource Library
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Resource Library
Our resource library may help you with any financial issues you may have.
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Media Resource Library
Our media library provides details of our video and press coverage.
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Archive Library
Our resource archive library will help you with any financial issues you may have.
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Finance Glossary
This section includes a summary of common finance and investment terms, phrases and their definition.
Investment Portfolios
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Investment Portfolios
Learn why our portfolios consistently outperform industry benchmarks.
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Defensive Portfolio
You prefer to take a small amount of risk to achieve modest or relatively stable returns. You accept there may be some short term fluctuations in value.
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Cautious Portfolio
You accept some risk & aim for a reasonable return. You accept the risk of a small to moderate loss with modest yet frequent fluctuations in value.
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Conservative Income Portfolio
You don’t seek risky investments but don’t avoid them either. Your aim is a longer term return. You accept modest yet frequent fluctuations in value and the risk of a moderate loss.
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Conservative Alpha Portfolio
You don’t seek risky investments but don’t avoid them either. Your aim is a longer term return. You accept modest yet frequent fluctuations in value and the risk of a moderate loss.
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Balanced Beta Portfolio
You are aiming for higher long term returns & accept poorer performance. You accept the risk of a greater than moderate loss.
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Balanced Income Portfolio
You are aiming for higher long term returns & accept some sustained periods of poorer performance. You accept the risk of a greater than moderate loss.
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Balanced Alpha Portfolio
You are aiming for higher long term returns and accept significant fluctuations in value. You accept the risk of a greater than moderate loss.
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Speculative Beta Portfolio
You are aiming for higher long term returns and accept significant fluctuations in value. You accept the risk of a moderately significant loss.
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Speculative Alpha Portfolio
You are aiming for higher long term returns and accept frequent, significant fluctuations in value. You accept the risk of a significant loss.
05 August 2019
Expert Advice from Chartered Financial Planners
29 July 2019
Searching for a Chartered Wealth Planner?
22 July 2019
Do you Need Expert Investment Advice?
16 July 2019
Why Use an Independent Financial Adviser?
09 July 2019
Seeking Specialists in Chartered Financial Planning?
03 July 2019
Need Personal Advice on Estate Planning?
21 June 2019
Looking for Pension Advice You Can Trust?
17 June 2019
Are You Looking for Experts in Wealth Management?
11 June 2019
Are You Seeking Independent Financial Advice?
02 June 2025
How much do you need to be “wealthy”?
16 April 2025
Investment market update: March 2025
14 April 2025
The art of the U-turn
28 February 2025
Plans changed? Updating your financial plan could offer reassurance
28 February 2025
The compelling benefits of building a tailored financial plan
02 January 2025
Investment market update: December 2024
03 December 2024
Climbing annuity rates could boost your retirement income
07 November 2024
Could a financial plan give you the confidence to retire sooner?
07 November 2024
Inheritance Tax: How does the UK compare internationally?
07 November 2024
Budget Summary
15 October 2024
Investment market update: September 2024
07 December 2023
The Eurozone has not grown at all in 2023.
07 December 2023
The worst of China’s property crisis is over.
06 December 2023
India recorded year on year GDP growth of 7.8% in Q3.
04 December 2023
An escalation in the conflict in Gaza could hit oil prices.
30 November 2023
UK business is hoping that the BoE will turn to support the economy.
29 November 2023
Markets have rallied on the signs that borrowing costs have peaked.
29 November 2023
Joe Bidens economy is booming?
28 November 2023
UK interest rates are expected to start to fall from May next year.
23 November 2023
Inflation is expected to progress towards 2% in both Europe and USA.
27 May 2023
The US is looking overpriced.
16 March 2023
Pension savers received a huge boost.
09 January 2023
Perhaps there is some light at the end of the tunnel.
14 November 2022
US rising inflation looks to have peaked.
09 November 2022
Stock markets are not expected to deteriorate much more.
09 November 2022
Xi is in total control of China.
09 November 2022
We are just starting to see improvements in equity and bond markets.
04 November 2022
At this stage an overshoot is as likely as a pivot.
03 November 2022
Investment losses of 25% are not associated with government gilts.
02 November 2022
UK base rates are expected to hit 4.5%.
17 May 2022
Markets are pricing in further rate rises.
16 May 2022
Stagflation is haunting Europe.
16 May 2022
A period of stagflation is now a real outcome.
25 November 2021
Our investment portfolio selections for Winter/Spring 2022.
22 November 2021
Japanese earnings growth could soon outstrip the USA.
16 November 2021
US inflation has hit 6.2%
08 November 2021
Bonfire night brings sparkle to the stock market!
25 October 2021
The Journey to Net Zero
25 October 2021
Winter is Coming
24 October 2021
The Bank of England delay a rate rise.
01 May 2021
How has it gone so badly wrong for India?
29 April 2021
We expect a good 2021 recovery.
28 April 2021
Pfizer costs $14.70 per jab while Astra Zeneca is $2.15
27 April 2021
The average property price in Wales is up 8.4%.
08 April 2021
This is the most ambitious spending plan in decades.
08 April 2021
The IMF expect global growth to hit 6% this year.
25 March 2021
US growth is now predicted at 6.5% for 2021.
09 March 2021
Our portfolios have been caught by a twin migration.
08 March 2021
Spring Budget Newsletter
01 March 2021
We have suffered a correction.
29 January 2021
Despite lockdown, there is growing confidence in the UK.
29 January 2021
The next Brexit Deal is the important one.
27 January 2021
All Governments are under pressure to deliver the vaccine.
27 January 2021
The smart money is going clean and green.
20 November 2020
Where do we go from here?
09 November 2020
Joe Biden has been confirmed as President elect of the USA.
06 November 2020
The long-term outlook for oil is one of decline.
06 November 2020
Investment Grade bonds have been a credit market attraction.
04 November 2020
Have the pollsters got the US election wrong again?
03 November 2020
The UK and EU are targeting Mid November to get a trade deal agreed.
02 November 2020
This second wave could be twice as lethal as compared to the first.
02 November 2020
We collectively owe £2.06tn
30 October 2020
Stock markets took fright this week just ahead of Halloween.
30 October 2020
Investors are expecting a Biden victory next week.
29 October 2020
What can we expect from President Joe?
20 October 2020
Equity Markets enjoy healthy gains.
20 October 2020
Britain’s V shaped recovery is coming under pressure.
15 June 2020
Markets are suffering from altitude sickness.
08 June 2020
The Financial system is awash with liquidity.
11 May 2020
We share one other common outcome of conflict.
11 May 2020
US-China trade negotiations restart.
04 May 2020
The start of our journey to normality.
04 May 2020
The S&P 500 is up 31%
27 April 2020
Has the lock down gone on too long already?
27 April 2020
A great act of social discipline.
27 April 2020
Oil is left unwanted.
27 April 2020
A show of EU solidarity?
20 April 2020
Gilead to the rescue?
20 April 2020
An update on recent investment portfolio performance.
14 April 2020
The USA has turned a corner.
09 April 2020
The political stakes could not be higher.
08 April 2020
We expect markets to continue their recent rally
03 April 2020
We are not out of the woods yet.
03 April 2020
Lessons from the Great Financial Crisis
01 April 2020
The news is starting to improve and so are markets
30 March 2020
What happens from here?
26 March 2020
The global political will seems to be there.
25 March 2020
More better news than bad
24 March 2020
Have we found a floor?
24 March 2020
Lessons from 1917?
23 March 2020
Governments to the rescue?
16 March 2020
Advice for investors
16 March 2020
Markets endure their worst week since 1987
12 March 2020
Spring Budget 2020 Summary
10 March 2020
Oil price falls adds to stock markets pressures
28 February 2020
COVID-19 and the reaction of markets to pandemic fears.
25 February 2020
Senior Management and Certification Regime
28 January 2020
Concerns over the spread of the coronavirus are escalating
18 December 2019
A mistake by the Fed affects everyone
16 December 2019
The long running unrest has hit business confidence
15 December 2019
Japan’s working population peaked in 1992
14 December 2019
The Eurozone has underperformed amongst the major economies
13 December 2019
Wall St has shaken off concerns of an imminent recession
12 December 2019
Phase 1 will be a cease fire and reduction in hostilities
10 December 2019
Mrs Sitharaman has cut corporation taxes to 22%
06 December 2019
Falling yields has resulted in strong gains in bond markets
05 December 2019
The Fed is now much more supportive
04 December 2019
A deal in January can give the UK a Brexit bounce
30 July 2019
12th Annual Croquet Tournament 2019
16 July 2019
Jerome has recognised a policy error
15 July 2019
Late cycle, but not end of cycle
12 July 2019
Some recession indicators have flashed
10 July 2019
Big Tech is continuing on a role
09 July 2019
A record 32.7 million people are in work
05 July 2019
Mario where is your big bazooka?
04 July 2019
Brexit is not Europe’s main problem
30 June 2019
Japan’s growth forecast has been downgraded
28 June 2019
US$10tn of sovereign credit had yields below zero
27 June 2019
Governments have bought 650 tonnes of gold bullion
20 June 2019
We think a rate cut is likely in July
11 June 2019
A lesson that Kent County Council should consider
19 April 2019
Why choose a Chartered Financial Planner?
09 April 2019
Happy New Tax Year!
09 April 2019
Estate Capital launches new website
20 March 2019
Our portfolios are now fully invested
12 March 2019
The Residence Nil Rate Band – An Overview
29 January 2019
Investors are becoming more confident about a Brexit deal
23 January 2019
Thank you for helping us make the top 100
19 December 2018
The world has re-mortgaged
18 December 2018
A changing world
17 December 2018
Global growth downgraded
16 December 2018
Who holds the Trump card?
16 December 2018
The biggest risk to the US economy?
15 December 2018
Too big to fail and too big to bail?
15 December 2018
Oil Wars
14 December 2018
China introduces targeted stimulus
14 December 2018
Japan looks good value
14 December 2018
India is still a growth story
13 December 2018
The growth of tech deals
13 December 2018
The impact of online shopping
05 December 2018
Defending portfolios.
05 December 2018
When the fog has lifted.
23 November 2018
This deal or no Brexit?
23 November 2018
Easy Money
15 November 2018
Red October
03 November 2018
Money Purchase Annual Allowance
01 November 2018
Budget - The Key Points
12 October 2018
Will the Fed reassess its strategies?
08 October 2018
A case of good news actually being seen as bad
23 August 2018
A hard affair?
16 July 2018
A rather soft affair.
15 June 2018
The world has started to slow.
15 June 2018
Big tech offering big growth?
13 June 2018
Analysts continue to be positive about the US.
13 June 2018
10 year Treasury Bonds have risen above 3%.
13 June 2018
A trade deal looks the most likely outcome.
12 June 2018
Retirement as early as 52!
12 June 2018
32.25 million people are in work in the UK
12 June 2018
Growth is expected to be slower but more stable.
07 June 2018
Analysts are very bullish about Japan
31 May 2018
Oil prices hit US$80pb
30 April 2018
ISA and Pension Limits
30 April 2018
We continue to take a cautious stance.
14 February 2018
Complacency is probably the crucial factor in this correction.
02 January 2018
Is this an end to the raging bull?
31 December 2017
A €50bn divorce bill?
31 December 2017
The possible impact of a No Deal
31 December 2017
The UK economy is slowing but still doing well
28 December 2017
We are still waiting for wages to rise
28 December 2017
The All Property Index yield remains at 5.1%
28 December 2017
European growth exceeds the UK
28 December 2017
Trump wants a less regulated and less taxed America
28 December 2017
Asian stock market growth has impressed
28 December 2017
Will China succeed in restricting credit and pollution?
22 December 2017
The Nikkei 225 hits new highs
22 December 2017
Oil prices rise on global demand
21 December 2017
Investors see better value in equity over gold
21 December 2017
Government bonds are unattractive at current prices
24 August 2017
Have we have found a new equilibrium in £-sterling?
23 August 2017
Quantitative Easing will start to be removed soon?
21 June 2017
A hung parliament for Prime Minister May
21 June 2017
FTSE 100 has hit new all-time highs
20 June 2017
Jobs in the City.
20 June 2017
The Game of Brexit
20 June 2017
The future for UK free trade agreements
20 June 2017
The nationalist tide may now have peaked.
20 June 2017
What is happening to the Trump bump?
20 June 2017
The build-up of debt cannot be sustainable
19 June 2017
Asian equity markets have enjoyed a good 2017
19 June 2017
India has a sustainable growth rate of 6%-7% pa
26 May 2017
The impact of monetary tightening.
22 May 2017
The Birth of LISA
22 May 2017
The Last Spring Budget!
22 May 2017
European Political Risks
22 May 2017
UK employment levels are at their highest ever
22 May 2017
Brexit Payment
22 May 2017
Are Equities Over Priced?
22 May 2017
Strong equity growth has continued
22 May 2017
Japan is relying heavily upon export acivity
22 May 2017
Is free trade under threat?
22 May 2017
Portfolio Selections - January 2017
22 May 2017
Bond investors are betting on a rate rise
22 May 2017
Are markets bracing for a ‘President Trump’?
22 May 2017
The markets are expecting a hard Brexit
22 May 2017
Goodbye No 10 - Hello No 7
22 May 2017
Emerging Markets
22 May 2017
Where next for the UK?
22 May 2017
The US is getting close to full employment
22 May 2017
What Next for the UK and EU?
22 May 2017
The Impact of Brexit
22 May 2017
Portfolio Selections - July 2016
22 May 2017
Market Reaction to the Brexit Vote
22 May 2017
What Next for the UK and EU after Brexit?
22 May 2017
The Impact of Brexit - Leaving the EU
22 May 2017
Update on approaching Referendum
22 May 2017
Pensions Changes
22 May 2017
Our De-Risk Portfolio Recommendations
22 May 2017
What would Brexit mean to Markets?
22 May 2017
Fed rate rise anxiety has returned
22 May 2017
9 key points to consider over Brexit
22 May 2017
The birth of Lifetime ISA
22 May 2017
UK Budget 2016
22 May 2017
Budget Summary
22 May 2017
U Turn From Chancellor
22 May 2017
Investment – “actually things are not so bad”
22 May 2017
Countdown to Pension Legislation Changes
22 May 2017
End of Tax Year
21 May 2017
Pension Tax Relief
21 May 2017
The benefits of low cost oil are yet to be felt
21 May 2017
Personal Savings Allowance
21 May 2017
Marriage Allowance
21 May 2017
Janet all eyes are again on you
21 May 2017
New Portfolio Selections – January 2016
21 May 2017
Latin America – A Poor Performer in Q3
21 May 2017
Ireland has Become the Eurozone's Star Performer
21 May 2017
Pensions - Lifetime Allowance
17 May 2017
Change to Pension Funding
17 May 2017
Autumn Statement 2015 – what it means for you
17 May 2017
Banking Reform
17 May 2017
The economic impact of the EU referendum
17 May 2017
The challenges of global demographics
15 May 2017
Income and life expectancy
15 May 2017
Dividend Tax Credit Change
12 May 2017
National Insurance Employment Allowance
11 May 2017
Top 100 Companies in South West Wales 2015
11 May 2017
Janet has a big decision to make on Thursday
11 May 2017
Introduction of National Living Wage
10 May 2017
New pension contribution rules
10 May 2017
The US$ will “go through the roof”
17 April 2017
Main Residence Nil Rate Band and Existing Nil Rate Band
17 April 2017
Annual Croquet Tournament
17 April 2017
Budget July 2015 - The devil is in the detail
17 April 2017
US Shale Oil Industry has yet to Capitulate
16 April 2017
Russia has Done well to Avoid a Real Collapse
16 April 2017
Latin American Markets Under Pressure
16 April 2017
The Fortunes of the BRIC Economies are Diverging
16 April 2017
Emerging Markets Offer Good Long Term Value
16 April 2017
New Portfolio Selections – July 2015
16 April 2017
A New Balanced High Income Portfolio
16 April 2017
Sterling has Soared After the UK General Election
15 April 2017
The End of a 30 Year Bond Bull Market
15 April 2017
A Positive Outlook for Japan
15 April 2017
Domestic Consumption is the Core Investment Case
14 April 2017
The Real Greek Tragedy
About Estate Capital
Financial Services
Our Contacts
7 Uplands Crescent,
Swansea, South Wales,
SA2 0PA.
Tel: 01792 477763