Are we entering an investment bond renaissance?

Exploring why they are an attractive option to mass-affluent investors

Onshore investment bonds typically carry a lower risk and contribute significantly to a well-rounded portfolio. Historically, numerous investors have opted for a 60% equities and 40% bonds split in their portfolios, as these two assets often (keep in mind, not always) exhibit contrasting performances under varying economic circumstances – a beneficial attribute during market volatility.

Responsible asset selection

Supporting responsible practices and contributing to a sustainable future

Environmental, Social and Governance (ESG) investing is a strategy that focuses on companies that prioritise environmental, social and governance factors in their operations. Investing in these businesses aims to support responsible practices and contribute to a sustainable future.

10 reasons to get your tax return filed now

British workers overpay £8.2bn in tax due to wrong codes

According to new research, more than two-fifths (43%) of UK adults who have checked their tax code have found they are on the wrong one [1]. While a fifth (20%) of those who were on the wrong tax code were underpaying, almost three-quarters (71%) were overpaying as a result.

Think of life insurance like a safety net

Make sure your dependents have the money they need if you were no longer around

When it comes to ensuring that your family is taken care of in the event you premature death, life insurance is invaluable. It’s important to recognise how life insurance can help protect your financial interests and those of your loved ones.

Building up more tax-free money in your pension

Changes present significant opportunities for various individuals

When making contributions to your pension, it’s important to keep in mind that there’s a limit to how much you can contribute each year without incurring additional taxes. This limit is known as the pension Annual Allowance.

Gender pension gap

Gap in pension benefits between men and women widens

For many women, the decision to work part-time often coincides with important career and childcare milestones. While pension contributions may not be the deciding factor for this decision, it’s important to understand the long-term impact on pensions. This knowledge is crucial for good financial planning.

Mind the State Pension gap

Knowing how much you’ll receive is vital for planning your future finances

The State Pension age is set to rise to 67 by 2028, followed by a subsequent rise to 68 between 2044 and 2046. However, there is currently a review being conducted to determine the appropriateness of the existing timetable.

Want to help give the younger generation a boost?

One in 12 grandparents use property wealth to support grandchildren

There’s no denying that grandparents have a wealth of knowledge and life experience to offer their grandchildren, but increasingly, they’re also able to provide much-needed financial support. With housing prices remaining sky-high, many homeowners are turning to the value in their homes as a way to give their grandchildren a living inheritance.

Securing an income stream for the rest of your life

Deciding what to do with your pension fund can be a complex decision

Are you approaching retirement age and have a pension fund that you need to decide what to do with? There are several options available to you, but one option is to buy a lifetime annuity. An annuity is a financial product that converts your pension fund into an annual pension.

Professional financial advice matters

Making informed decisions about how to best allocate your resources

Financial planning is a crucial step towards achieving financial freedom and security. By taking the time to thoroughly evaluate your needs and personal goals, you’ll be able to make informed decisions about how to best allocate your resources.