4 Things To Know About Interest Rates
Although it may not seem like it at first, interest rates really are interesting. High rates are great news for savers but bad news for borrowers and vice versa. Regardless of whether you’re a saver or a borrower, it’s important to understand 4 key points about interest rates. For savers interest rates are in a […]
Simple ways to cut your spending
Most of us would like to reduce our outgoings and put a bit more money away each month, so here are our tips to help cut out unnecessary spending. Write a budget Creating a monthly budget plan can seem like a hassle at first, but it is the most effective tool to track your spending. […]
How To Tame Your Tax in 2023
The infamous National Insurance rise has largely dominated the headlines in both the mainstream and financial media. Look closer, however, and you’ll find all kinds of tax increases both direct and indirect. At the same time, average inflation is forecast to reach almost 8%. In other words, the chancellor was clearly expecting the road out […]
How To Tame Your Tax in 2023
The infamous National Insurance rise has largely dominated the headlines in both the mainstream and financial media. Look closer, however, and you’ll find all kinds of tax increases both direct and indirect. At the same time, average inflation is forecast to reach almost 8%. In other words, the chancellor was clearly expecting the road out […]
How to make ISAs work for you
How can you make the most of your tax allowances by using the different types of ISAs that are available? Individual Savings Accounts (ISAs) were first introduced in 1999 and are a tax-free way to save into a cash savings or investment account. There lots of different types of ISA available, but the right one […]
How to make ISAs work for you
How can you make the most of your tax allowances by using the different types of ISAs that are available? Individual Savings Accounts (ISAs) were first introduced in 1999 and are a tax-free way to save into a cash savings or investment account. There lots of different types of ISA available, but the right one […]
Making the Most of Your ISA Allowance
The COVID19 pandemic has highlighted the importance of having both cash savings and insurance (for all the complaints about the latter). At the same time, it’s still important to prepare for the future, especially your retirement. Your ISA allowance could be used for both purposes, but that may not be a good idea. Here’s what […]
The Bank of…Granny and Grandad?
For many younger people struggling to get a foot on the property ladder, the Bank of Mum and Dad is the only option. With rent taking a huge chunk out of their income and the requirement for increasingly onerous deposits, two in five renters do not believe they will ever be in a position to […]
Why are equities volatile?
The more experienced investors among us will know that investing in equities involves a more volatile journey than some other asset classes, such as fixed income. What causes this volatility? When you invest in a bond, you are effectively lending money to the issuer, either a company or a government. In return, you receive a […]
A global approach to asset allocation
Asset allocation is one of the key tools in our investment proposition to help strike the right balance between risk and reward in your portfolio. It applies to asset classes, such as equities, bonds and cash, and different global regions. The actively-managed Omnis Managed Portfolio Service (OMPS) and our Graphene model portfolios are all globally […]
