Markets have been bungee jumping through a number of peaks and troughs over the last 12-15 months with stability and confidence being relentlessly buffeted en route. No more so than in recent weeks. We have seen an 11th consecutive Bank...

Turmoil in the banking sector is having a knock-on effect. Tighter financial conditions as banks are less willing to lend capital; interest rates may remain higher for longer to deal with inflation which puts pressure on borrowing costs; increased scrutiny...

The Spring Budget brought a good, the bad and the ugly to pensions. The good being a freeing up of savings restrictions, the bad evincing a sting in the tale, and the ugly highlighting fears for the tax-free allowance. First,...

The machinations of the housing market are currently enough to baffle all but the cognoscenti. Interest rates are going up but some mortgage rates are coming down – perverse or what! Throw in declining house prices – itself a rare...

How would you survive if a serious illness or injury meant you lost your main source of income? Not long is generally the answer, something we find is frequently borne out when meeting clients – especially younger ones. Worse still,...

They say everything has a silver lining – even Covid. Self-Invested Personal Pensions weren’t spawned by the pandemic – the astute were already on board – but it stimulated interest. With the cost of borrowing and renting going up along...

The importance of maintaining payments into your pension during the current cost of living crisis cannot be overstated. If you knock them on the head then, taking into account employee contributions and tax relief, you are in effect throwing away...

More people are talking about delaying retirement and continuing in work either fulltime or part-time. Some because they have little choice given rising living costs; others because they like what they do. The government is making the right noises about...

Outrage over the Autumn Statement may have faded amidst a festive blizzard of turkey, presents and general over-indulgence. Nevertheless, reality dawns, for Chancellor Jeremy Hunt’s tax raid on investors’ dividends and profits from shares, funds and investment trusts is set...

Time is running out to grab one of the best deals you are ever likely to find. For the remainder of this tax period, consider buying extra National Insurance years to supplement State Pension benefits. However, the clock is most...