In the November 2025 Budget, the chancellor revealed new Cash ISA rules that will affect under-65s. The change could affect your savings and wider financial plan. ISAs provide a tax-efficient way to save and invest, making them an essential part of many financial plans. In 2025/26, you can add up to £20,000 to ISAs and…
The last 12 months have been interesting for investors, with the market experiencing volatility. Read on to discover valuable insights from 2025. 1. Many markets have performed well despite volatility If you simply read the headlines from 2025, you might think the markets performed poorly. Worries about high inflation, trade tariffs, and sluggish economic growth…
Amid mingling with friends and celebrating with family during the festive period, you might have quieter days to tackle some financial tasks as you enjoy a mince pie. Ticking off these jobs now could help ensure you have everything ready for 2026. 1. Go through your bank statements and Direct Debits Go through your bank…
When you’re making financial decisions, it can feel like you’re faced with indecipherable numbers. You might know how much you have in your bank account or pension, but what does the figure mean for your future? Cashflow planning can turn the numbers into possibilities. If you feel uncertain about your future after looking at numbers…
While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Read on to find out more about five key considerations. 1. Calculate if you’ll need to supplement your income While you might still earn a salary as you phase into retirement, if you’ve chosen to reduce your working hours…
One of the biggest factors affecting investment markets in November 2025 was concern about an AI bubble. Despite this, there were still market highs recorded during the month. Remember to consider your risk profile when you invest and review your portfolio’s performance with a long-term outlook. AI concerns led to volatility throughout November 2025 With…
Are you a glass-half-full person? While some people dismiss optimism as naivety or a tendency to overlook the challenges of life, research suggests that those who seek out the positives could benefit from improved wellbeing. Research gathered by CNN in September 2025 found that people who have a positive, happy outlook live longer. Indeed, a…
Increasingly, UK savers are losing track of their pensions. In October 2024, research by Pensions UK found that the total value of lost pension pots had risen by 60% since 2018. Losing track of your pensions can be costly. Across the 3.3 million pension pots considered lost, the average fund value is £9,470 – rising…
Taking control of your finances can be frightful. Complex rules that are easy to overlook could mean you fall for a “trick” when making financial decisions this Halloween, but a tailored financial plan could help you avoid falling for them. Here are five financial “tricks” that you might overlook when managing your money, and what…
Retiring should be a milestone you look forward to. It’s a chance to spend your time how you want and do the things you’ve been putting off because work has been in the way. Yet, sadly, research shows UK adults associate spending their retirement savings with negative words, and it could prevent them from enjoying…
