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Video: Understanding risk in relation to your investments

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How to track down a ‘zombie’ Child Trust Fund

Launched by the Labour government in 2005, A Child Trust Fund (CTF) was given to every child born on or after 1st September 2002 until just over nine years later at the start of 2011. CTFs were then replaced by Junior ISAs (JISAs) at the start of the austerity period. However, recent research has revealed

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Top tips to make your retirement savings last

When it comes to saving for when you retire, at the very least you want to ensure that you’re going to have enough to pay for your living costs for the rest of your life. However, what you probably want to be aiming for is a nest egg which allows you to truly enjoy your

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How will AI change your interactions with your accountant?

When you hear the words ‘artificial intelligence’, the first thing you think of is probably one of the many examples of computers and machines built to think, work and react like a human being in the movies. But AI is certainly no longer a fantasy restricted to the world of science fiction, with its application

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Millennials leading the way in saving for retirement

Recent data suggests that younger generations are on track to save more than their parents and grandparents, despite their earnings on average being considerably lower. Part of the reason for this is time: simply put, young people have more years ahead of them than older generations until retirement, meaning that any money they put away

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Power of Attorney – the case for and against

Setting up a trusted family member or friend with a Lasting Power of Attorney (LPA) ensures that someone else is able to make important decisions for you when you’re no longer in a position to be able to make them for yourself. But this in itself is always going to be a key decision in

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Pros & cons of turning your home into a cash machine

Recent figures have suggested that over 17,500 older homeowners took out equity release plans on their homes during the first six months of 2017, marking an increase of 44% compared with 2016. Equity release plans, also referred to as ‘lifetime mortgages’, allow homeowners aged over 55 to access their home’s equity without the requirement to

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Most households struggle after 7 months if a mother can’t work

Recent research carried out by Scottish Widows has found that three quarters of UK households would only manage to cover their bills for seven months if the income of the woman in the family was lost through death or illness. In addition to the financial ramifications, women spend almost an entire day (23 hours) each

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Interest rate rise and the impact on mortgage bills?

Recent official figures have revealed that homebuyers are being lent more money by banks than at any time since the global financial crisis a decade ago, with many of the borrowers being young people for whom stepping onto the property ladder is barely affordable. As such, billions of pounds of debt which may prove unsafe

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What will the new Finance Bill contain?

A second draft of the Finance Bill 2017 was introduced in September following the first draft released earlier in the year. The government used this second version to reintroduce measures that had been taken out of the earlier, shorter draft following Theresa May’s decision to call a snap election. The new draft includes new penalties

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