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.
What are bonds and gilts and how do they work?
What are bonds and gilts and how do they work? Are bonds and gilts a good investment? We answer all your questions about investing in bonds and gilts.
What is a Central Bank and what is the Bank of England?
We are all familiar with high street banks, such as Lloyds, HSBC and so on but what is a Central Bank and how is it different? What is the Bank of England?
How do I protect my investments from inflation?
Inflation is the rising cost of goods and services and the associated loss of purchasing power of cash. How do I protect my investments from inflation?
Pensions and divorce. What is a Pension Sharing Order (PSO)?
A Pension Sharing Order (PSO) is a formal agreement to divide the value of a couple's pensions after a divorce. PSOs are not always suitable for every divorce.
What is a Small Self-Administered Pension Scheme (SSAS)?
SSAS stands for 'Small Self-Administered Scheme' which are set up by company directors to offer greater levels of control over how their pensions are invested.
The personal & business tax rates & allowances in 2022/23.
With each new tax year, it is important for businesses and individuals to know the latest tax rates and allowances to make the most of every opportunity.
What are fund charges and are they limiting your returns?
When making investments, it’s important to not only consider the potential returns you may see but crucially the fund charges required in making those returns.
Fact Check: Residential property offers huge capital growth opportunities.
Over the years I’m sure we’ve all heard people say that property is the best investment, the stock market and pensions are a con and that buy to let wins every investment argument. This article aims to shed some light on real-world residential investment and how the rosy picture of value growth is heavily affected by a heated, pre-global financial crises market.
When to invest? Timing the market vs time in the market.
Checking your investments too often leads you to make rash decisions about your finances. Is time in the market more important than trying to time the stock market?
Is a Junior ISA (JISA) a tax-free way to transfer wealth?
A Junior ISA (JISA) could be a simple tax-free way for families to transfer wealth over time and may set your children and grandchildren up for life.
What is an ISA (Individual Savings Account) & which is best?
Individual Savings Accounts (ISAs) are a financial account for UK residents who can deposit a limited amount of money each year into for tax free gains & income.
The top 5 things to do with your money in your 70s & beyond.
In your 70s, focus on estate planning, funding healthcare and reducing risk in your portfolio so you can live a fulfilling life, making the most of every day.
The top 5 things to do with your money in your 60s.
Your 60s are when all those decades of planning & saving finally come into their own. It’s time to set your financial plans and get on top of your budget.
The top 5 things to teach your teenagers about money.
The money-habits teenagers develop last a lifetime. It’s crucial to get them started on the best foot. These are our top 5 things to teach teenagers about money
The top 5 things to do with your money in your 50s.
If your 40s are for plugging gaps in your savings, your 50s are about preparing to retire. This is our guide to the top 5 things to do with money in your 50s.
The top 5 things to do with your money in your 40s.
If your 20s are for setting good habits and your 30s are for building wealth, your 40s are about reviewing, reflecting and plugging any gaps before retirement.
Business Asset Disposal Relief (Entrepreneurs Relief) explained.
Business Asset Disposal Relief allows individuals to pay less Capital Gains Tax when they come to sell part or all of their business. This article explores how this relief works.
What to do with an inheritance: spend, save, invest or give?
Receiving an inheritance should be a blessing and change your life for the better, however, if you are not careful in your planning it could have a negative impact on your life.
What is the Financial Services Compensation Scheme (FSCS) and how much will it pay out?
In this article we look at the FSCS in relation to personal investments, how much it will pay out in the event of insolvency and what other protections are in place for investors.
How secure are my investments?
We are often asked by clients what happens if a firm they are invested with fails. This article provides useful information on how to check a firm’s financial strength and more.