COVID-19 – the ultimate financial stress test?

Coronavirus has affected every aspect of our lives, particularly our financial stability. The crisis has acted as a stress test for the nation’s finances, highlighting the fragility of many people’s financial safety nets. It has compelled individuals to take a closer look at their finances to see how they can reduce their expenses and [...]

By |2020-08-20T17:28:44+01:00September 22nd, 2020|Uncategorised|0 Comments

Earlier is better for ISA investors

Investing in an ISA is a great way to build up your savings. Research3 looking into the savings habits of hypothetical stocks and shares ISA investors has demonstrated that the earlier in the tax year you invest, the better off you’ll be. According to the report, based on the performance of the FTSE All-Share [...]

By |2020-08-20T17:25:45+01:00September 15th, 2020|Uncategorised|0 Comments

Tax – figures you should know for 2020/21

Here are a few figures worth knowing in 2020–21 to help maximise your tax allowances and exemptions: Personal taxation The National Insurance threshold is £9,500 and the Personal Allowance remains the same as last year, at £12,500. Pensions The Annual Allowance for pensions is £40,000 and begins to taper (to a minimum of £4,000) [...]

By |2020-08-20T17:17:08+01:00August 25th, 2020|Uncategorised|0 Comments

Keeping on track for your retirement

Recent stock market volatility may have made you anxious about your pension, particularly if you are nearing retirement, but it is important to consider the wider picture to keep your plans on track. Resilient financial planning Those who stick to their carefullythought-out financial plans will inevitably be in better shape to ride out market [...]

By |2020-08-20T17:11:09+01:00August 18th, 2020|Uncategorised|0 Comments

Dreaming of the rural life

Following lockdown, people are likely to be working from home much more in future, leading many to consider the space they currently live in and their attitudes to moving to a different location. Homebuyers who have successfully worked remotely and no longer need to commute so frequently and be in an office environment five [...]

By |2020-08-20T17:07:06+01:00August 11th, 2020|Uncategorised|0 Comments

Brewin Dolphin Insight – Fear & Greed

Have markets recovered too far, too fast? I don’t think so, no.  Markets in March had lost all confidence in the face of economic shutdowns across the developed world and a complete lack of clarity about economic prospects.  As economies have slowly begun to reopen, markets have regained some composure.  However, markets are still [...]

By |2020-08-20T15:23:04+01:00August 4th, 2020|Uncategorised|0 Comments

Don’t suffer from decision fatigue – make time for life’s big decisions

With people leading increasingly busy lives, they can often find themselves so overcome with everyday goings-on that, when it comes to tackling difficult financial decisions, they don’t have the mental capacity to cope. Head in the sand Research7 has found that people typically ‘don’t do difficult decisions’, with over four million saying they don’t [...]

By |2020-06-10T22:39:57+01:00July 28th, 2020|Uncategorised|0 Comments

Spot and stop financial scams

In these uncertain times, criminals have been using the COVID-19 outbreak to scam members of the public, particularly the most vulnerable. Action Fraud5 revealed there had been a massive 400% increase in reporting of scams in March – the majority of which related to online shopping scams, with victims purchasing protective products (such as [...]

By |2020-06-10T22:33:57+01:00July 21st, 2020|Uncategorised|0 Comments