magazine archive
magazine archive
Personal Finance
How are people managing inheritance tax amid prospect of pensions inclusion?
Thursday 24 Jul 2025Inheritance tax has been in the spotlight over recent months as pensions are poised to come under its purview in 2027. Inheritance tax rates are set to stay the same until 2030, and adding pensions under the umbrella has brought a flurry of questions on how to pay for the costs. It’s led some...
How do I replan my financial future after divorce?
Thursday 10 Jul 2025After the dust has settled in a separation, it can be daunting to face building a new future which looks different from the one you planned. Part of this may include getting by on a different budget than you are accustomed to or had expected. However, there are steps you can take to secure your...
Five holiday money pitfalls to avoid
Thursday 03 Jul 2025The summer holidays are fast approaching, and for millions of people, that will mean buying some euros, krona or lira and jetting off for a couple of weeks of sunshine. In the flurry of pre-departure activity, it’s easy to lose sight of getting hold of some travel money, and that can often leave...
‘Finfluencers’ are all over our feed. Should we be listening?
Thursday 26 Jun 2025The morning I wrote this article, my Instagram feed informed me that a group of stocks were a ‘slam dunk’ for investing. The evidence? A series of clips of CEOs from those companies shaking hands with foreign leaders. Frankly, it did not convince me to make any portfolio changes. I then scrolled...
Keeping your money safe from WhatsApp scams and deepfakes
Thursday 19 Jun 2025All investors know that putting money in the stock market comes with risk attached. Over the long term your investments will tend to rise, but along the way they’ll go up or down, and there is a chance of ultimately sustaining a loss. However there is a risk many of us don’t countenance very often...
Should I lend money to a friend or loved one?
Thursday 05 Jun 2025When a friend or family member is struggling to stay afloat, lending money to tide them over can seem like the right thing to do. While this can be a big help for them, it’s also important to consider how it will affect you, especially when it comes to your own finances and your relationship with...
Facing a retirement reality check
Thursday 29 May 2025New findings from the Financial Conduct Authority (FCA) have sounded the alarm on how unprepared many UK adults are for retirement. The regulator’s latest Financial Lives survey reveals a troubling picture: 19% of working-age adults have no private pension at all, while 41% are currently not...
I’ve maxed out my ISA: now what?
Thursday 22 May 2025It’s a nice problem to have. Somehow, you’ve ended up with more money than you know what to do with. If you’ve been promoted at work, this might now be a yearly occurrence, or it could be a once-in-a-lifetime event. But what to do with that money once you have it to avoid forfeiting a chunk to tax...
Should I max out my pension before investing elsewhere?
Thursday 08 May 2025Thanks to the advent of auto-enrolment, pensions have become arguably the easiest way to invest your money. In fact, if you are employed by a company, you must actively put in effort to not invest via your pension, by going through the opt out process. With this contribution squared away, your...
Five things to consider a decade after the pension freedoms
Thursday 01 May 2025It’s now more than 10 years since the ‘pension freedoms’ reforms announced by former chancellor George Osborne in his bombshell 2014 Budget took effect in the UK. These changes fundamentally upended the retirement system and the income choices available to millions of Brits. That decision at a...