Welcome to our blogs which relate to the financial services you may be interested in from mortgages to pensions; protection to auto-enrolment and many more. So why not grab a drink and enjoy the read.
It’s easy to feel bombarded by the constant cycle of negative news headlines or ‘noise’, which can add to your anxiety about how your investments are doing and uncertainty as to whether your investment strategy is on the right course. It’s important to try and block out this noise which could influence you to make hasty or erratic investment decisions.
Help to Buy ISAs were launched at the end of 2015 to give people the incentive to save for a property, with some extra help from the government. You can save a maximum of £12,000 into a Help to Buy ISA and, in return, get a total £3,000 in bonuses. You’re restricted, however, to paying in £200 per month, topped
More than half (57%) of homeowners have expressed interest in releasing equity from their property, according to the Equity Release Council. Across all ages, the most popular reason is to boost pension income and savings, followed by paying for care support at home.
On the 4th November, the government published the Finance Bill 2021/22 which includes an amendment to the normal minimum pension age rules that apply in advance of the change from 55 to 57 in 2028. The minimum age at which people can access their pension will increase from 55 to 57 from 6 April 2028, except for those with a
Some families have found it easier to save more than normal during the pandemic, due to reduced outgoings on things like commuting, holidays and entertainment. If you have a mortgage, overpaying is one option worth considering. Benefits of overpaying In a low-rate environment, savings rates are likely to be lower than your mortgage rate, so any overpayments are likely to
Divorce can be an incredibly stressful time for couples and the financial impact it can have only adds to the pressure. The number of couples getting divorced surged by almost a fifth in 2019. Although data for 2020 has not yet been released, after the strains of the last year or so, unfortunately, it would hardly be surprising if this
The Government has announced the earnings trigger and qualifying earnings band for auto-enrolment purposes for 2021/22. The earnings trigger is one of the three key factors which ultimately governs who gets enrolled into a workplace pension scheme through automatic enrolment. The government’s view remains that if the trigger is too high, then low to moderate earners who can afford to
You’ve got savings, a pension, perhaps even stocks and shares. You’re on track… right? The truth is our financial health could do with a check-in every now and again, and making some small changes can pay dividends, especially in mid-life. Although you might have begun your adult life on the right foot, cut to thirty years later, and changes in
New research suggests environmental, social and governance (ESG) investing is set to continue gaining prominence, with ESG issues increasingly converging into mainstream investment strategies. A growing trend The last few years have seen a substantial rise in ESG investing around the globe, driven by an increasing desire for investors to know both where their money is going and that it
What’s stopping clients adopting wealth transfer strategies? It might be that they’d rather spend it on themselves or put it aside in case they need it for the future, but if they do want to transfer their wealth, the older generation could be missing out on significant opportunities to help the generations that follow. A recent consumer research report asks