Use your tax-efficient allowance or lose it forever!
Time is running out to take advantage of this year’s Individual Savings Account (ISA) allowances. You get one ISA allowance per tax year. So use it or lose it soon, when the tax year ends on 5 April. Continue reading →

Bonds can play a key part in building an investment portfolio
UK government bonds, also known as gilts, are debt securities issued by the UK government. They are used to finance the government’s borrowing requirements and are often seen as a safe haven asset by investors. Continue reading →

Considering the rule of seven when making financial gifts
You’ve worked to build up your wealth. But now it’s time to make plans so your loved ones can get the most from the estate you intend to leave behind. If you think you might be affected by Inheritance Tax, it can be tempting to hold off making plans to do anything about it. But the truth is that it’s better to plan earlier for Inheritance Tax. Continue reading →

More people set to dip into emergency funds
Having money set aside can help to provide protection against any abrupt financial changes. A new report has identified one in four working households with savings (28%) have started dipping into them to meet rising living costs[1]. A further 30% anticipate they will need to do so in the next year. Continue reading →

What is the average UK retirement income?
Thinking about the amount of money you need to retire can be daunting, but it’s important to have a savings target in mind to fit your desired lifestyle in retirement, that you can work towards. Continue reading →

How scammers are getting more convincing
Around half of UK adults (51%) have or know someone who has received a suspicious communication in the last 12 months, according to new research[1]. This equates to 27 million people across the UK. Continue reading →

Millions of retirees help out in cost-of-living crisis
The rise in the cost of living is affecting millions of people. A third of young adults (18-34) and families with young children are struggling financially. Many are turning to family and friends for help with day-to-day expenses such as utility bills, housing costs and childcare, according to new research[1]. Continue reading →

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age
Four in five workers (16 million people) are not saving at levels which are likely to deliver an acceptable standard of living in retirement, according to new research[1] – these numbers exclude Defined Benefit pension savings. Continue reading →

Pension savers struggling to save 
enough for their later years
There is no doubt that the UK is facing a retirement income crisis. With wage stagnation and rising living costs, many people are struggling to save enough for their later years. Continue reading →

More young adults are more engaged about money with their parents than past generations
When it comes to conversations about money, more and more families in Britain 
are opening up, new research reveals[1]. Continue reading →