How to be an unbiased investor

Making investment decisions is a lot more complex than it seems. Even with experience and knowledge on your side, there are other factors than can sway your judgement without you even noticing. You like to think that you’d look out for yourself. After all, no-one could care about your financial interests as much as you … Continue reading “How to be an unbiased investor”

Six ideas for starting your business

Nearly everybody’s got a great business idea – but only a few succeed in turning their reverie into revenue. What’s their secret? Here are six tips for getting your venture off the drawing board and into the marketplace. So you’ve come up with a brilliant business proposition. What next? Many new ventures fail to get … Continue reading “Six ideas for starting your business”

Put your money to the marshmallow test

Are you better at living for today than planning for tomorrow? A long-running experiment has shown how being unable to hold back can hold you back in the long term. From the moment you receive your first pocket money, you’re plunged into an age-old struggle. Should you spend that money now, or save it for … Continue reading “Put your money to the marshmallow test”

Managing your money through Brexit

If the UK is leaving the European Union, what – if anything – might be the knock-on effect on the money in your pocket, and on your long-term financial plans? So we know that Brexit means Brexit – even if that’s just about all we know at this point. But what does Brexit mean for … Continue reading “Managing your money through Brexit”

Protecting your wealth for the next generation

Careful estate planning offers an effective means of reducing your IHT bill. People are living for longer and building up larger nest eggs as they go. What is also clear is that more and more of this wealth is being lost to inheritance tax (IHT). Careful estate planning offers an effective means of reducing your … Continue reading “Protecting your wealth for the next generation”

Leave or Remain? The final salary pension decision

Final salary pensions may be gold-plated, but are you also sitting on a transferrable gold mine? Here we weigh up the pros and cons of transferring to a personal pension, and offers a way to calculate your potential benefits. Gold-plated. Gold standard. Or how about the less glitzy ‘copper-bottomed’ or ‘cast-iron guarantee’? However you look … Continue reading “Leave or Remain? The final salary pension decision”

New Taxation rules on Buy-To-Let set to bite

Data from the Nationwide Building Society in November showed that the buy-to-let boom may be tailing off. Their figures show that they lent £2.8bn in the six months to September 2016, down from £2.9bn in the same period a year earlier. From April 2017, landlords could find themselves paying tax at higher rates as a … Continue reading “New Taxation rules on Buy-To-Let set to bite”

Innovative Finance – a more interesting way to save?

Innovative Finance ISAs are now available – and they’ve got savers excited. Promising around double the interest of the best cash ISAs, they allow tax-free investment in peer-to-peer lending. Are they what we’ve all been waiting for? Lately we have seen a flurry of developments on the ISA front.  In April of this year we … Continue reading “Innovative Finance – a more interesting way to save?”

10 tips for building your investment portfolio

Warren Buffett once said, ‘Investing is simple – but not easy.’  Here are ten simple tips to make investing that little bit easier – whoever you are. In investing there are no absolute right or wrong answers, only better or worse solutions.  Better solutions are founded in a process that encompasses insight into the problem … Continue reading “10 tips for building your investment portfolio”

Beware when buying income protection online

We all love price comparison sites – but they can let you down when you’re looking for suitable income protection. The biggest price comparison sites risk misdirecting visitors to unsuitable PPI cover or policies that offer only ‘suited occupation’ cover. More and more consumers are waking up to the need for income protection cover – … Continue reading “Beware when buying income protection online”