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Some UK households have accumulated large cash balances in recent years. Following the COVID19 pandemic, excess savings were estimated at between £143 billion and £338 billion, as spending opportunities were limited and uncertainty encouraged precautionary saving.1 Unlike in some countries — particularly the United States — British households have been slower to spend or invest

When I look at my children’s lives compared to mine, it really makes me realise how much things have changed. Back when my generation started our careers, buying a property was a natural milestone, but today the story is very different. In the UK, half of 25-year-olds still live with their parents1. The average age

The more recent market weakness, spanning late 2025 into early 2026, has felt quite different to the market downturn in early 2025. Instead of a single, identifiable trigger, which was instigated by Trump’s tariff episode, markets this time have been responding to a much broader mix of factors, including geopolitical tensions, higher oil prices, ongoing

As the end of the tax year approaches, many people look to use their pension or ISA allowances with a lump sum investment. However, with the markets currently experiencing so much volatility, these decisions can feel more stressful than usual.It’s natural to worry about putting money in today only for markets to fall tomorrow. The

Following recent budget announcements, there has been increased interest regarding inheritance tax and strategies for its mitigation. Trusts represent a key method in inheritance tax planning, and I thought I would take this opportunity to write an article on this subject. So what exactly is a trust? A trust is a legal structure in which

In the past year I have had a few clients who have been contacted by HMRC due to not declaring interest on their savings and seem to have little knowledge that this was something they needed to do, so I thought it would be a good topic to write about. Most banks and building societies

So, another New Year is upon us, and I think this is an ideal time to think about your goals and targets for the year ahead. I’ve written before about New Year’s resolutions, but I would like to reiterate how important I feel this practice is. Similar to many, I have found myself in the

There’s been a bit of buzz lately about the FTSE 100 potentially breaking the 10,000 mark. At the time of writing, it hasn’t quite reached that point, with its highest close so far being 9,911.42 on November 12th — but hopefully, by the time this article has been read, it will have crossed the line.

As the year draws to a close, I always feel it’s an appropriate time to review the events and developments of the year. Although I’ve just said we should review events, these sort of discussions can evoke strong emotions and this can be done better if you look at it objectively. The Dow Jones, which