Spring has arrived and, for the first time in what feels like a long while, hope is in the air – and we are all certainly in need of it. Positively for investors, the signs are looking increasingly optimistic, with belief growing that we are making our first steps toward meaningful economic recovery. The rapid…
Read MoreDon’t forget that you only have until the end of the tax year (Monday 5 April) to invest tax efficiently by using your Individual Savings Account (ISA) allowance. If you have cash that you won’t need to access in the short term and would like to use some or all of this year’s ISA allowance,…
Read MoreIt comes as no surprise to find out that UK savers struggled to prioritise their pension in 2020, with over half (51%) saying they were unable to save sufficiently for the retirement they want and likely to review or reduce their pension contributions in the wake of the pandemic1. It’s understandable why many people think…
Read MoreOur vulnerabilities have been laid bare over the last year, as the pandemic took hold of all our lives, and continues to resent challenges on a variety of levels. Economic frailties have been exposed but, as we enter 2021, hope hangs in the air with the prospect of recovery in the New Year and beyond.…
Read MoreStock markets do not react well in times of uncertainty and the pandemic has piled pressure on financial markets worldwide. During periods of increased volatility, the importance of portfolio diversification, as a means of guarding against market turbulence, remains a constant investment principle. It is advisable to revisit your investment objectives, review your long-term financial…
Read MoreIn March, the Chancellor’s announcement of a three-month mortgage payment holiday came as a great relief to millions of homeowners suffering from the financial impact of the coronavirus pandemic. In agreement with mortgage lenders, the government stated that any customers ‘in difficulty’ could apply. As the full impact of the crisis became clear, the scheme…
Read MoreSeveral UK bodies, including the Bank of England, National Crime Agency and the Financial Conduct Authority (FCA), have warned people to be particularly vigilant about scams, many of which are targeting vulnerable people, such as those who have lost their jobs or are under greater financial pressure in the current climate. Recent figures * show…
Read MoreEthical investing has crossed over into the mainstream, as more investors choose to allocate their money toward companies whose practices and values align with their personal beliefs. These beliefs can be environmental, social, political or religious, for example. Investors may wish to exclude certain industries or allocate their funds to sectors which match their ethical…
Read MoreA recent survey has shown that as few as 27% of people are confident that they have the right levels of protection cover in place9. The types of insurance required as you journey through the various stages of your life change and this can make it difficult to understand. It seems that our perception of…
Read MoreSince Victorian times, building societies have played a key part in the provision of housing for the people of Britain. Societies have enabled millions to buy a home that could have taken a lifetime to save for, also paying interest to those who entrust their savings to them. At the heart of the building society…
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