February Market Commentary

Published on 15 February, 2023 by in Financial Planning

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Introduction Savers and investors will not shed many tears for the end of 2022. A year that was beset by inflation and rising interest rates meant only three of the major stock markets we report on made gains in the year. That was how we started the final Stock Market Bulletin of last year. So […]

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If you want answers to any questions, chances are you simply pick up your phone and look online. But there are many questions in life that are simply too big for the internet to answer, ones that require specialist knowledge, insight and expertise. For example, you can’t just Google how you should personally manage your […]

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So Christmas is over for another year. There were plenty of anecdotal stories of how much extra Christmas dinner cost this year: the meat, the wine, even the Christmas crackers – everything seemed to cost more. But let’s forget the anecdotal and concentrate on the numbers, which suggest that fresh food inflation rose at a […]

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Money worries can have a devastating impact on a person’s life, causing untold stress and heartache day after day. So it’s really important that you’re not left feeling as if your finances are like a runaway juggernaut: out of control. Otherwise, you leave yourself vulnerable to a host of further financial problems, from growing debt […]

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January Market Commentary

Published on 9 January, 2023 by in Financial Planning

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Introduction As 2022 drew to a close, there was a mixed picture worldwide as major economies sought to respond to soaring energy prices, rising living costs and the continuing impact of Russia’s invasion of Ukraine. In our first round-up of the year, we look at where we left off in 2022 all across the world… […]

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The Chancellor’s decision to protect the state pension triple lock was one of the most headline-grabbing aspects of the recent Budget. But what exactly is the triple lock and what does it mean? In short, it’s a mechanism designed to make sure the state pension doesn’t lose value, so it will go up by whichever […]

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What is open banking?

Published on 9 January, 2023 by in Financial Planning

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It’s a term we’ve heard a lot recently, so let’s take a close look at what open banking actually is, and how many people know about it. Open banking means allowing third-party financial services providers, such as budgeting apps, to access a person’s banking information, like their payment history and previous transactions. These services have […]

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As we all know, interest rates have been steadily rising. Higher interest rates equal higher mortgage rates, which means less money for householders to spend. Then came the Autumn Statement. Tax thresholds frozen equals more to pay in taxes equals less to spend in the shops. The situation has been much the same in the […]

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With inflation at its highest level in more than 40 years, and energy and grocery bills continuing to head upwards, many are feeling the pinch – but perhaps even more so now that Christmas is fast approaching. According to a recent poll by PayPal, 58 per cent of Brits are anxious about the cost of […]

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If you don’t have a will in place, it could be because you’ve just not got round to it yet. But you’d be surprised at how many people actively choose not to write a will, often for quite flimsy and questionable reasons. So we wanted to highlight some of the most common excuses for not […]

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