Guide: The history of investing and what you can learn from the past

Investing has been around for centuries and the basics haven’t changed as much as you might think. Technology has changed how we invest, but some of the investment lessons from the past are just as relevant today as they were in the 1600s. Our latest guide looks at the foundations of modern investing, and what...

Investment market update: April 2021

After a year of lockdowns and restrictions, evidence suggests economies around the world are now on the path to recovery, although uncertainty and challenges remain. The International Monetary Fund (IMF) once again increased its growth forecast for the global economy in April. The organisation now expects global growth of 6% in 2021, followed by 4.4%...

How to choose the right financial protection product to give you confidence

The pandemic has highlighted the impact the unexpected can have on finances and lifestyle for millions of people. The uncertainty of the last year is spurring more people to consider financial protection products. However, simply taking out a protection policy may not provide you with the right type or level of cover. It’s crucial you...

Business owners – here are the staff benefits that could boost productivity

As a business owner, how can you boost productivity? Reviewing processes to improve efficiency or implementing more training may spring to mind. However, providing health and wellbeing benefits to your employees can prove valuable. Three in five (60%) small and medium-sized enterprises (SMEs) acknowledged that providing health and wellbeing benefits has a high impact on...

Covid-19 spurs more people to seek financial advice, but it’s not just for times of crisis

The pandemic has placed pressure on families across the UK. So, it’s not surprising that more people are seeking financial advice and thinking about their long-term security. While financial advice can be incredibly useful in a crisis, an ongoing relationship with a financial planner can be just as valuable. After a year of lockdowns and...

Why you need to review your will if you’re gifting to loved ones now

Are you thinking about gifting during your lifetime? Traditionally, you’d pass on wealth to family and friends through an inheritance, but many people are finding that doesn’t fit in with their plans. Instead, they’re passing on some assets now, but they do need to think about how it will affect the legacy they leave behind....

Money mindset: Shaking up how you think about finances could boost wellbeing

Money has a huge impact on our wellbeing. Whether we have “enough” is often the focus when facing money challenges, but a new report suggests that our mindset and relationship with money could have a far bigger influence on wellbeing. Past research has linked financial concerns with poor wellbeing. The latest research from Aegon notes...

Technology encourages more investors to seek the “thrill” of trading and take bigger financial risks

Technology has made investing far more accessible. You can now invest and make changes to your portfolio with just a few taps on your smartphone. While more people investing for their future is a good thing, technology is instilling bad habits in some investors. Far from investing with a long-term goal in mind, some investors,...

3 reasons to make social care part of your retirement plan

The cost of funding care and delivering support to the elderly has become a national priority. However, research suggests it’s still not something individuals are thinking about when they make retirement plans. As average life expectancy has risen, the demand for care has soared and more people are living with complex needs. A report from...

Investment market update: March 2021

During March there were reasons to be optimistic. In fact, the Organisation for Economic Co-operation and Development (OECD) raised global growth forecasts following Covid-19 vaccination and stimulus package news around the world. It’s now expected the global economy will expand 5.6% this year. Despite the pandemic dominating headlines, a survey from the Bank of America...

The cost of Covid-19: How does pandemic borrowing add up?

In 2020, the government spent an unprecedented amount supporting the economy through the Covid-19 pandemic. The economic consequences are expected to be felt for years to come and will no doubt influence policy that will affect personal finances. For the 2020/21 tax year, public sector net borrowing – the difference between public spending and total...

Did you suffer a real-terms pay cut last year? More than half of Brits did

The headline figure for wage growth of 4.5% in late 2020 – the highest level in almost two decades – is too good to be true, according to the Resolution Foundation. The thinktank argues the furlough scheme and job losses for lower-paid workers have skewed the data. The organisation’s Earnings Outlook states that earnings growth...