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Are you holding too much in cash?
Falling inflation and rate cuts could change how savers think about their money Cash is often regarded as a safe haven in personal finance. It’s accessible and protected from stock …
Read MorePensions to fall under Inheritance Tax rules from April 2027
How upcoming changes could affect estate valuations and beneficiary payouts In the previous 2024 Autumn Budget, the Chancellor announced that the Inheritance Tax (IHT) thresholds, which are the amount you …
Read MoreVAT on private school fees: the increasing cost of education
How new tax rules are reshaping family finances and long-term planning From 1 January 2025, private schools across the UK were required to apply 20% VAT to tuition and boarding …
Read MoreFive ways to maximise tax year-end planning opportunities 2025/26
Smart financial moves to consider before the tax year ends on 5 April 2026 As the 2025/26 tax year-end approaches on 5 April 2026, now is the time to review …
Read MoreWhen is the right time to invest?
Why market timing rarely works—and why long‑term consistency matters Some people delay investing because they’re waiting for “the right moment.” The idea of buying when prices are low and selling …
Read MoreAlmost half of UK adults are unaware of their pension savings
New data uncovers a concerning gap in pension awareness and confidence across all generations In the UK, nearly half of working-age adults cannot estimate the total value of their pension …
Read MoreThe power of dividends
How can they assist investors in expanding their portfolios? Dividends have long been a vital part of the investment process. For many investors, dividends help minimise portfolio volatility, especially during …
Read MoreWhy silence costs families
Planning, talking, and protecting more of your legacy from tax and disputes Death and money are two of life’s unavoidable realities, yet they remain subjects many of us hesitate to …
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Latest Newsletter
Smart Money Newsletter – Sept/Oct 2023
HOW BONDS’ STRUCTURE AND TAX ADVANTAGES CAN HELP YOU PASS ON WEALTH Welcome to our latest edition. In this issue, we look at investment bonds and explain how they offer …
Read MorePrevious Newsletters
Smart Money Newsletter – Sept/Oct 2023
HOW BONDS’ STRUCTURE AND TAX ADVANTAGES CAN HELP YOU PASS ON WEALTH Welcome to our latest edition. In this issue, we look at investment bonds and explain how they offer …
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eSmart Money Newsletter July/August 2023
KEY STEPS TO ACHIEVING A COMFORTABLE RETIREMENT Welcome to our latest edition. In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential …
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Smart Money Newsletter March/April 2023
MAKING THE RIGHT PREPARATION FOR FUTURE GENERATIONS Welcome to our latest edition. In this issue, financial planning can be a daunting and uncomfortable conversation for many, but thankfully attitudes towards …
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Smart Money Newsletter January/February 2023
TAXING TIMES. TIME FOR A TAX HEALTH CHECK? Welcome to our latest edition. With the current tax year having begun on 6 April 2022, the clock is ticking and it …
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Smart Money Newsletter November/December 2022
DON’T ABANDON PENSION CONTRIBUTIONS AS PRICES RISE Welcome to our latest edition. As the cost of living continues to soar, with inflation reaching a 40-year high, the impact on household …
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Smart Money Newsletter September/October 2022
COST-OF-LIVING CRISIS DELAYS HOMEOWNERSHIP, HAVING CHILDREN AND RETIREMENT Welcome to our latest edition. Rising living costs have been so significant in recent months that most UK households will have noticed …
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Self Invested Personal
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