Personal finance news, guides & articles.
Thoughtful personal finance articles that explore topical issues and answer the questions people want properly explained, helping readers build understanding and make more confident decisions.
Tax efficient ways to invest for your children.
This article focuses on two of the simplest and most tax-efficient ways to invest for your children: Junior ISAs and Junior SIPPs.
What is a financial adviser and how do you find one?
Many people avoid financial advice as it may be unclear what financial advisers are. This article explains how financial advisers help and how to choose one.
What is gold and is gold a good investment in the UK?
People invest in gold as a strategic asset as it is subject to several sources of demand. It is liquid, scarce, globally recognised & has preserves value.
What are Investment Pathways? A summary of your options.
Investment Pathways are a way for those not wanting to take financial advice to access their pensions. In this article, we explore what they are and how they came about.
How much does financial advice cost?
One of the first questions we are asked by prospective clients, is ‘how much does your advice cost?’. This is of course a perfectly reasonable question. In this article, we will look at the typical ways Financial Advisors charge and the range of costs people may come across when shopping around for financial advice.
What is a Chartered Financial Planner?
We often get asked by clients what the difference is between a Financial Advisor and a Chartered Financial Planner. In this article we will outline some of the key reasons why Chartered Financial Planners should be your first choice for financial advice.
What is the life expectancy in the UK and what does it mean?
Without being too morbid, life expectancy affects all of our plans. From how much we need to retire, when we can retire to annuity rates and care funding, we all need to understand the arc of life and make plans accordingly. The question is though, what is the life expectancy for men and women in the UK?
What is the FCA doing about climate change?
In recent years, the FCA has turned their attention to the role financial services plays in combatting climate change. The FCA wants to help market participants manage the risks of moving to a low carbon economy while capturing opportunities to benefit consumers.
The proposed changes to Capital Gains Tax (CGT) explained.
Capital Gains Tax (CGT) is a potential target for reform to start to recoup the significant costs of the pandemic. The recommendations put forward by the Office of Tax Simplification (OTS) in its review of CGT, which were published on 11th November, have created quite a stir.
What is Pension Tax Relief?
Pension tax relief is a ‘bonus’ paid by the government on money someone pays into their pension. At present, how much tax relief you receive is dependent on what you earn and what your highest rate of income tax is.
What is Bitcoin and how does it work?
We are seeing an increased number of queries from clients concerning Bitcoin and other cryptocurrencies and, as they are such a new concept, we thought it would be useful to provide a short primer and answer what bitcoin is and how it works?
What is a pension?
A pension is a type of investment that aims to provide an income when an individual retires. In the UK, individuals can have a private pension, employers can provide a pension and the government may also provide a pension, as long as certain criteria are met.
AV Trinity is proud to be a signatory to The Principles for Responsible Investment.
The six Principles for Responsible Investment are a voluntary and aspirational set of investment principles that offer a menu of possible actions for incorporating environmental, social, and corporate governance (ESG) issues into investment practice.
What is Environmental, Social and Corporate Governance (ESG)?
Environmental, social and corporate governance (ESG) criteria refer to three main factors investors consider with regard to a firm’s ethical impact and sustainable practices.
How small businesses can support the fight against climate change.
Our planet is facing serious challenges. Climate change is a real and ongoing threat. There is no legal requirement for small companies in the UK to publish their climate change efforts.
What’s better: Active or Passive Investing?
When you’re looking to invest in shares or bonds, you may think about putting your money into one or more funds. You can find funds which invest in a wide variety of markets and sectors. But wherever you invest, your fund managers will take one of two basic approaches to managing your money: active or passive investing.
What is sustainable investing and is it the same as responsible investing?
The terms ‘responsible investing’ and ‘sustainable investing’ are often used as a catch-all to describe investments made with social, environmental, or other responsible or sustainability criteria in mind.
Is now a good time to invest (and other common questions)?
One of our Financial Planners, Bethany Wood, answers some common questions from clients about their existing investments and potential new investments during the COVID-19 pandemic.
How do I find a good Financial Adviser?
We know this is a dilemma many people face, whether they are searching for a financial adviser for the first time, or, for whatever reason, they are seeking to replace their existing financial adviser.