As we step into 2025, now is the perfect time to set your financial plans in order. With changes on the horizon – like many pension pots becoming subject to inclusion in Inheritance Tax (IHT) calculations from April 2027 – it’s wise to prepare early. Financial wellbeing involves having a positive relationship with your money, […]
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Preparing for the longevity megatrend in an uncertain world
As a new year dawns and we ponder what the next 12 months may hold for us as individuals and investors, one thing is for certain – some familiar challenges lie ahead. The International Monetary Fund (IMF)1 unveiled its latest economic assessment the week prior to the US election, proclaiming a period of ‘stable but […]
Economic Review December 2024
Headline inflation at eight-month high Release of the latest inflation statistics showed consumer prices are now rising at their fastest rate since March 2024, while last month also saw Bank of England (BoE) policymakers become more divided over the need to cut interest rates. Data published by the Office for National Statistics (ONS) showed the […]
How to align wealth and purpose
Purpose has lately become a buzzword for investors and companies. Whether ‘mission-oriented’ investing excites you or makes you want to run for the hills, aligning your wealth with your values and interests can bring rich rewards. Give and grow Historically, wealthy people wanting to make a difference have done so through philanthropy. In response to […]
Get into the savings habit to enhance your wellbeing
A report from UK Savings Week shows that having a savings habit improves wellbeing. Savers on the lowest incomes were found to benefit the most from regularly putting money aside, with 53% of this group reporting that they are satisfied with their life. However, only 40% of low-income non-savers could say the same1. Interestingly, low-income […]
Residential Property Review – December 2024
Property market trends in 2024 As we approach the new year, Zoopla has highlighted trends in the UK property market in 2024. It is expected that, by the end of the year, there will have been 1.1 million sales completed – 10% more than last year. Meanwhile, January was the busiest month for visitors to […]
Commercial Property Market Review – December 2024
Robust demand for Scottish hotels The Scottish hotels market continued to show resilience in Q3 according to Colliers. Hotel investment in Scotland hit £110m in quarter three – £40m more than Q2 and 150% higher than the five-year quarterly average of £44m. The year-to-date investment total is £200m – up 18% when compared with the […]
Why should you care about correlation
If you want your investment portfolio to strike a good balance between risk and return, it’s worth knowing how correlation can impact your investments. If two different investments are perfectly correlated, their value will rise and fall by the same amount, at the same time. Investing in highly correlated assets can increase your losses, because […]
A third of Gen X think they will never retire
Recently released research1 suggests a significant proportion of working age people are no longer planning a traditional ‘hard stop’ retirement, with 45 to 54-year-olds most likely to feel they will continue working beyond pensionable age. Work work work According to the survey, more than a fifth of working age adults think it unlikely they will […]
Don’t just plan – protect your money
Are you confident you have all the relevant cover in place to protect your finances? Having a financial plan should go hand-in-hand with a conversation about insurance. The statistics We may not like to think about death, but the reality is it is inevitable; however, data has revealed that only 29% of UK adults have […]
