Investment market update: January 2025

Investment market update: January 2025 Concerns around potential trade wars following President Trump’s inauguration weighed on investment markets in January 2025, but there was positive news too. Read on to discover some of the factors that may have affected the performance of your investments. Keep in mind that short-term market movements are part of investing […]
The cryptocurrency basics you need to know before you consider investing

The cryptocurrency basics you need to know before you consider investing Even if you’ve never considered investing in cryptocurrency, also known as “cryptoassets”, the chances are, you’ve heard of the term. As more people invest in them, understanding what it means, and the risk associated with investing in these types of assets could be valuable. […]
Is your estate worth more than £2 million? Your Inheritance Tax liability could be higher than you expect

Is your estate worth more than £2 million? Your Inheritance Tax liability could be higher than you expect Often dubbed the “most hated tax” in the media, Inheritance Tax (IHT) is a tax on your estate when you pass away, which could reduce how much you leave behind for family and friends. If your estate […]
State Pension: Everything you need to know in 2025/26

State Pension: Everything you need to know in 2025/26 For many pensioners, the State Pension provides a foundation to build their retirement income. Whether you’re already claiming the State Pension or it’s still some years away, here’s what you need to know in 2025/26. In the 2025/26 tax year, you can claim the State Pension […]
5 ways financial planning could help you emotionally prepare for retirement

5 ways financial planning could help you emotionally prepare for retirement While financial challenges often come up when those nearing retirement are asked about their concerns, emotional obstacles could be just as important. A financial plan might include looking at areas like your pensions and investments, but it could help you emotionally prepare for retirement […]
Looking beyond the numbers when using a cashflow model

Looking beyond the numbers when using a cashflow model A cashflow model is a valuable tool that lets you understand how the value of your estate and individual assets might change in the future. But, to get the most out of it, you need to look beyond the numbers. A cashflow model provides a graphical […]
Investment market update: October 2024

Investment market update: October 2024 While inflation is stabilising in many major economies, markets continue to experience some volatility, which may have affected your investment portfolio. According to the latest International Monetary Fund’s Global Financial Stability Report, markets could be underestimating the risks of conflicts and upcoming elections. Indeed, the rising price of gold suggests […]
Interest rates are predicted to fall to 3% next year and could slash mortgage repayments

Interest rates are predicted to fall to 3% next year and could slash mortgage repayments There could be good news on the horizon for mortgage holders. Experts are predicting that the Bank of England (BoE) will gradually reduce the base interest rate over the next 12 months, which could slash your mortgage repayments. The BoE’s […]
The pensions basics you need to know as a self-employed worker

The pensions basics you need to know as a self-employed worker As a self-employed worker, managing your finances can be more complex. One area you might have overlooked or be unsure where to start with is saving for your retirement. According to the House of Commons Library, there are 4.24 million self-employed workers in the […]
5 smart reasons why retirement planning should start in your 30s and 40s

5 smart reasons why retirement planning should start in your 30s and 40s If you’re working and contributing to your pension, you might think you don’t need to do any more retirement planning just yet. However, seeking retirement advice in your 30s and 40s could mean you’re in a better position when you’re ready to […]