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,...

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...

All about ISAs

In the 2019/20 tax year, you can save up to £20,000 tax-free in an Individual Savings Account (ISA), and when it comes to your ISA investment, you have a number of options. Investors comfortable with the slightly higher risk Peer to Peer lending can also now invest in...

How a trust can help your financial planning

Writing a policy in Trust could be perceived as something that only the wealthy require, but the reality is Trusts can play an important part in financial planning for people from all walks of life. When it comes to planning your family’s financial future it makes...

Helping you to save

Help to Save is a government savings account aimed at an estimated 3.5m people on low incomes. The scheme pays a bonus of 50p for every pound saved over four years, representing better value compared to the 1 – 2 per cent returns on savings bonds offered by high...

Saving for Junior

Junior ISAs (JISA) are long-term, tax-efficient savings accounts for children, introduced in November 2011 to supersede the phased-out Child Trust Fund (CTF). There are two types of JISA: A cash Junior ISA – where you won’t pay tax on interest on the cash you...