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Final countdown to the end of the tax year

You may have seen lots of literature already about the end of the tax year. But if you’ve not yet taken any action, now is the time to do so to protect your savings from tax. Here is a handy checklist of what to do and what not to do before 5th April. 1. Make the most of your ISA Allowance Individual savings accounts have been around now for over 20 years but they still remain one of the most tax-efficient ways of investing. You…
4th March 2020

Time to spring clean your finances

The daffodils and crocuses are beginning to appear, the trees are blossoming and the days are getting lighter. Spring is definitely on its way. Traditionally, this was the time to do the big annual household clean. Now that fewer homes are heated by coal fires, with all their soot and grime, this is no longer so necessary. Nonetheless, a thorough de-cluttering and re-organisation of our homes can still reap great rewards. And our finances too will benefit from a good shake-up every now and again.
4th March 2020

It’s not about how much you have, but what you do with it…

The old cliché goes that ‘money can’t buy you happiness,’ but how true is that statement? According to a recent survey by Ameriprise Financial, only 13 per cent of American millionaires classified themselves as wealthy. Even those who had over $5 million (£3.8 million) spread across their accounts, investments and funds said that they didn’t feel like they were rich. Elizabeth Dunn, psychology professor at the University of British Columbia, said that this could be due to ‘social comparison’, meaning that a person only feels…
10th February 2020

The link between human behaviour and investing

Financial planning… Isn’t that based on cold, hard facts and scientific reasoning? Surely feelings  and emotions don’t have much to do with investing? We think they do. And here’s why. A little thing called human behaviour gets involved, you see. Only it’s not so little. Human beings are highly complex systems, motivated by many different factors and emotions. This makes us volatile, unpredictable and irrational. We also hold values and beliefs that drive our behaviour; some logical and valid, others not quite so much. But…
10th February 2020

Key steps to maximise your allowances before the end of the tax year

The tax year will be coming to an end on 5th April. With that deadline in mind, we wanted to remind our clients of all the allowances available to you during the tax year. It’s important to make sure you’re maximising your allowance in all areas so that you mitigate the impact of tax. Listed below are a few allowances you should be considering: ISA Allowance With a cash ISA or a stocks and shares ISA (or a combination of the two), you can save…
8th January 2020

New year, new decade, new approach to your finances?

You may have already made some New Year’s resolutions regarding healthy eating and exercise but could your finances do with slimming down too? The start of a new year, not to mention a new decade, is a great time to review your financial situation, examine your budget in detail and make plans for the future. Take a look at the following financial resolutions you could adopt for 2020. Set goals If you haven’t already set any financial goals, now is the time to do so.
8th January 2020

4 savvy tips when Christmas shopping

Christmas seems to come round earlier and earlier each year. Retailers start tempting ‘early gifters’ as soon as the Back to School stock has disappeared. And competitive Christmas light displays begin appearing in some neighbourhoods from as early as November. While this may run the risk of detracting from the main event, some preparation is good. So we’ve drawn up a list of our four top tips to help reduce the financial stress of Christmas. Has your Christmas gift circle got too wide? Christmas is…
5th December 2019

How the gender gap even affects children’s pensions

We’re familiar with the gender gap in pensions for adults but there is evidence that this actually starts much earlier on. According to data from HMRC, parents and grandparents are more likely to save into a boy’s pension than a girl’s. A Freedom of Information request by Hargreaves Lansdown revealed that 13,000 girls aged 15 or under had money paid into a pension for them in 2016/17 compared with 20,000 boys. The disparity means the pension gap can actually start from birth onwards. This only…
5th December 2019

Back to 60 campaigners fight on

The campaigning group, Back to 60, has lost their fight at the High Court to seek redress for the inequality around the state pension age, which affects women who were born in the 1950s. The group was claiming that the increase in the state pension age was discriminatory and put women at a severe disadvantage compared with men. As women in that age bracket were only told of the change shortly before they reached their 60th birthday, there was little opportunity for them to make…
12th November 2019

The impact of climate change fears on ethical investing

As pressure mounts on governments and financial institutions to do more to combat climate change, the demand for ethical investment opportunities is on the rise. Triodos Bank’s annual impact investing survey has found that nearly half (45%) of investors say that they would be keen to move their money to an ethical fund as a result of news surrounding the environment. When asked, investors state that they would put an average of £3,744 into an impact investment fund, marking an increase of £1,000 when compared…
12th November 2019

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