Interest rates are low, and the shape Brexit will take is still largely unknown, especially when you consider the impact it could have in the long term. However, it’s anticipated that interest rates will start to rise in the near …
What you need to consider when buying a second home
Thinking about buying a second home? From investing your money in property to purchasing a beautiful holiday home, there are many reasons why you may be thinking of taking on another property. But there are areas to carefully think about …
Should you take action if your investments underperform?
Investment markets in 2018 saw the return of volatility. A range of factors, from Brexit to US trade policy influenced how well stocks and shares performed. For some people, it means investments may not have delivered the return expected. A …
The impact of investment performance on your pension
Over the last year, the inves
tment markets have experienced volatility. But what does this mean for your pension savings and should action be taken?
Whether you have a Workplace Pension or are paying into a Personal Pension, you may …
From the Corporate world to the High Seas
I recently caught up with Dan West, a client I’ve worked with for the past eight years. Dan’s a very positive person by nature, but he was in a particularly upbeat mood when we met, as he’d made an exciting …
Why are more people choosing to retire later?
Those approaching retirement age are shunning the traditional route when it comes to giving up work. For most people, the thought of handing in their notice and giving up their career in one fell swoop is no longer appealing. Today, …
Considerations when you’re saving for a child’s future
With university fees, rising house prices and other financial pressures, young adults can struggle to achieve financial security and tick off milestones. If you’ve got children or grandchildren, you may be considering starting a nest egg to help them along …
Investing in VCTs: What you should know first
Investing in a fledgling business can deliver returns and tax incentives, but this needs to be carefully balanced with the risks of doing so. Start-ups might offer high growth potential, but a significant portion of new firms also end up …
Are your cash savings delivering the best returns?
From a young age, we’re told to save for a rainy day. Hopefully, it’s a message that’s instilled some good money habits into adulthood, setting you on the right path for future goals, be it retiring early, buying a property …
The importance of longevity when planning for the future
When you’re planning your financial future, you’ve probably considered how much you need and how much you can afford to put away. But when you’re planning your retirement, have you factored in longevity?
At a time when retirees can access …