Personal finance

Insights and analysis

Useful insights into the management of your money and financial decisions including investments, legacy planning and retirement planning.

Private Insight - spring 2018

ISA millionaire?

Could you, should you, become an ISA millionaire?

If you’re fortunate enough to be able to max out on your ISA allowance each year, you could become a millionaire in less than 20 years. But, Faith Glasgow asks, is that the most sensible strategy in the long run?

Tax doesn't have to be taxing

Tax doesn't have to be taxing

As we fast approach the new tax year, let’s take a look at a few of the planning areas which you may wish to consider.

Planning your finances as a business owner

Planning your finances as a business owner

As a business owner, there are a number of tactics you can employ to extract profit from your business while keeping a close eye on tax efficiency.

Private Insight - winter 2017/18

Blockchain technology

The $24 million pizza

John Wyn-Evans looks at the recent interest in Bitcoin and questions whether it is the currency of the future.

Winter scene in London

Home bias hurting portfolios?

It is human nature to favour the familiar over what might seem unfamiliar, but could what some City experts call ‘home bias’ hurt your investment portfolio?

Whole life assurance - is it value for money?

Whole of Life Assurance - value for money?

It is said that the only certainties in life are death and taxes, so a product that can be used to pay tax on death could be popular for those wishing to help their dependants pay inheritance tax.

Private Insight - autumn 2017

Autumnal scene around a lake

Secular stagnation? Not again!

More than eight years on from the stock market lows observed in 2009, there seems to be a lack of a catalyst to disrupt markets in the near term, but we must remain aware what may upset the apple cart.
Autumn woodland scene

UK investors remain attracted to well-known stocks... but risk missing out on stronger performers

More than half of investors looking to buy shares over the next 12 months favour well-known UK brands. But by choosing lower-profile names investors could build a portfolio that better suits their needs.
Ears of corn in a cornfield

Make the most of pensions freedom with professional advice

Identifying the best way to enjoy your life savings in retirement is one of the most important financial decisions you make. Unlike people who work, it might be impossible to make good financial losses by putting in overtime.

Red and yellow autumn leaves in a tree

Later life financial planning

We spend many years working, planning and dreaming about retirement, but in order to enjoy our lifestyle in later life while also overcoming new challenges such as illness, bereavement and dementia, we need to ensure we plan our finances well in advance. 
Autumn woodland scene

Final salary pensions – is the shine coming off?

Based on years of accumulated service and final or career average earnings, final salary schemes reward long-serving members with considerable retirement benefits guaranteed for life. But the costs for UK employers to maintain these schemes are challenging. 

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Private Insight - spring 2018

ISA millionaire?

Could you, should you, become an ISA millionaire?

If you’re fortunate enough to be able to max out on your ISA allowance each year, you could become a millionaire in less than 20 years. But, Faith Glasgow asks, is that the most sensible strategy in the long run?

Tax doesn't have to be taxing

Tax doesn't have to be taxing

As we fast approach the new tax year, let’s take a look at a few of the planning areas which you may wish to consider.

Planning your finances as a business owner

Planning your finances as a business owner

As a business owner, there are a number of tactics you can employ to extract profit from your business while keeping a close eye on tax efficiency.