We have summarised the main points of the Budget below, along with a reminder of various changes from April 2026 that we were already aware of. PENSIONS Tax Free Cash from pensions No change. Tax Relief on Pension Contributions No change. Contribution Limits No change. Salary sacrifice From April 2029, anyone sacrificing more than...
Are you using your portfolio like a bank account? In this update: Why your portfolio should not be treated like a bank account. Is your Investment Portfolio a Piggy Bank? Think Again! It's a scenario many of us dream of - checking your investment portfolio and seeing a...
Don't Fear the Peak: Why All-Time Highs are Just Stepping Stones for your Investments In this update: Don’t fear market highs. The headlines often shout about "all-time highs" in the stock market, and for some investors, this can trigger a sense of unease. Is it too late...
In this update: Financial Clarity in a Sea of Misinformation In today's digital age, information flows freely – a double-edged sword that offers unprecedented access to knowledge while simultaneously drowning us in a sea of misinformation. This is particularly true in the realm of personal finance, where...
In this update: Our attitude and the financial markets In today's market environment, and particularly in light of the recent market volatility caused mainly by newly announced tariff policies, investors can at times feel powerless in the face of these world events. Indeed, no amount of investment...
In this update: Running Through a Dynamite Factory: The Perils of Uninformed Investing I was recently reminded of a wonderful quote from Joel Greenblatt, the renowned investor and author: Choosing individual stocks without any idea of what you're looking for is like running through a dynamite factory...
In this update: The Power of Consistent Investing: Let Time Be Your Greatest Ally When most people think about building wealth through investing, they often focus on finding the next big winner or timing the market perfectly. However, the real secret to long-term financial success lies...
In this update: Cognitive Biases in Financial Planning and Investing The Role of Independent Financial Advice Cognitive Biases in Financial Planning and Investing Cognitive biases are systematic patterns of deviation from norm or rationality in judgment, which often affect financial planning and investing decisions. These biases can...
In this update: The importance of time when investing. The importance of an emergency fund. Balancing both Why we avoid making economic and market predictions Why Investments aren't ideal for Ad Hoc withdrawals Time and having an emergency fund are crucial aspects of a sound financial...
In this update: The importance of Budgeting - Mapping your financial future. Budgeting is like the GPS for your finances, ensuring that you know where you are, where you want to go, and how to get there. Without a budget, you’re essentially navigating your financial life...