We’ve all gone through a really tough time through the pandemic with lives lost and many people’s finances stretched. It has been exactly the same for business and it has served as a warning for the future. The Personal Finance...

As retirement nears, there are some big choices to be made if you are on an interest-only mortgage. You’ll likely discover your existing deal is hard to renew. You might also want to access some of the capital locked up...

Moves are afoot to make it easier for Defined Contribution (DC) pension schemes to invest in illiquid assets – those that in contrast to most stocks and shares can’t be easily sold. They include direct property investment, investment in infrastructure...

The Covid pandemic has seen money pouring into Cash ISAs from spooked investors. Quite remarkable given the low interest rates on offer, especially when inflation is taken into account. Negative real returns are being made by many. Indeed, ISA savers...

There is an old saying that goes: It is far better to give with a warm hand than to give with a cold one. This may sound a bit morbid but the premise, as Capital Asset Management (CAS) notes, is...

You may not have heard of pension dippers, yet there are a lot of them. They are people who use the pension freedoms to dip into their retirement savings. A total of 260,000 took a taxable pension payment in 2020, according...

New pension freedoms introduced six years ago, allowing savers greater control over their nest egg from age 55, have proved a great success. Since 2015, the total value of flexible withdrawals from pensions has exceeded £45 billion. Now, though, the...

ESG – environmental, social and governance – is increasingly at the forefront of shareholders’ minds. Sustainability is perceived as not only good for the planet but also for broadening the scope of diversification within portfolios. The trend has been a...

Are independent financial advisers (IFAs) doing enough to convert people to the cause? It seems not given a Royal London research paper that shows only 26 per cent of the country seeks professional financial advice. In total, 39 million adults...

Forty-three per cent of consumers have never heard of a green mortgage, according to the Intermediary Mortgage Lenders Association (IMLA). But could they prove to be the future? Just as sales of electric cars are building traction so green mortgages...