Latest News

Financial Mis-Selling: Has Anything Really Changed?

In 1720 hundreds of people were ruined when the ‘South Sea Bubble’ collapsed. The share price of the South Sea Company had been inflated to ridiculous levels by insider trading: bribes were paid to politicians, some people got rich, far more were ruined and considerable damage was done to the national economy. That was nearly...

Don’t Fall in Love – the Most Common Mistakes Investors Make

This is the first part of a two part article, where we’ve taken a look at some of the common mistakes investors make when they’re buying and selling stocks and shares and other investments. We’ve identified ten mistakes – and this month, we take a look at the first five. It Costs Money Despite the...

The road to transfer your ISA’s

How many of us review and change our insurance policies, such as car, house and travel insurance, when they come up for renewal? Looking for the best deal for our needs has increasingly become common practice as our commitment to loyalty to providers has declined. We can treat our organisation and management of ISAs in...

Don’t Fall into the Inflation Trap as you get Older

Earlier this month, the Office for National Statistics updated the ‘national shopping basket’ – the national basket of goods that the ONS uses to monitor rising prices. The big news for the headline writers was that ‘Champagne was out; e-books were in,’ as a nation struggling with the recession stopped celebrating and started reading books...

Five steps to a successful ISA transfer

This is the season to check that you are making the best of your tax free Cash ISA opportunities. There is very little time left to check that you have used your 2012-2013 allowance and it is the first opportunity to invest your 2013–2014 allowance in April. It is also a good time to check...

Won’t Save, Can’t Save

The tough economic situation for many families means few are managing to save anything. Many are simply needing to support themselves and other family members in hard times. According to the recently published seventh annual Savings and Investment report by Scottish Widows, 31% in a survey of over 5,000 people are currently not saving anything...

Which? survey reveals worrying trend

In a recent Which? investigation, some of the UK’s biggest banks were identified as failing to give the right advice when it comes to transferring and managing their Cash ISAs. In the investigation, Which? placed 180 calls to 15 leading banks and building societies to assess the quality of advice given to people who want...

April Market Commentary

When I started making notes for this Bulletin at the beginning of March it was quite clear what the main ‘story’ was going to be. On March 20th Chancellor of the Exchequer, George Osborne, would deliver his Budget – and with the UK in very real danger of slipping into a ‘triple-dip’ recession and the...

The Budget 2013

Introduction To say that George Osborne faced a difficult task when he stood up to deliver his Budget speech on 20th March 2013 was one of the year’s major understatements. Both economically and politically, the backdrop to his Budget was bleak, particularly with an increase of 48,000 in youth unemployment announced barely three hours before...

Financial Planning in your fifties, sixties and seventies

We look at basic financial planning in the later part of your life – through your fifties, sixties and seventies. It’s easy to assume that all the major changes in life – finding a job, marriage, a family – take place in the early years. In fact there are just as many major changes in...