Falling inflation and rate cuts could change how savers think about their money Cash is often regarded as a safe haven in personal finance. It’s accessible and protected from stock market fluctuations, and rising interest rates have made savings accounts more attractive. However, while a cash buffer offers security, holding

How upcoming changes could affect estate valuations and beneficiary payouts In the previous 2024 Autumn Budget, the Chancellor announced that the Inheritance Tax (IHT) thresholds, which are the amount you can pass on when you die before IHT is due, will remain unchanged until 2030. However, from 6 April 2027,

How new tax rules are reshaping family finances and long-term planning From 1 January 2025, private schools across the UK were required to apply 20% VAT to tuition and boarding fees. The change represents a significant shift in education funding and has placed substantial financial pressure on families with children

Smart financial moves to consider before the tax year ends on 5 April 2026 As the 2025/26 tax year-end approaches on 5 April 2026, now is the time to review your finances to ensure you’ve maximised all available allowances and reliefs.

Why market timing rarely works – and why long‑term consistency matters Some people delay investing because they’re waiting for “the right moment.” The idea of buying when prices are low and selling when they’re high seems sensible in theory, but in practice, it’s very difficult to perform. Even experienced professionals

New data uncovers a concerning gap in pension awareness and confidence across all generations In the UK, nearly half of working-age adults cannot estimate the total value of their pension savings. This uncertainty suggests that many lack a clear understanding of their retirement readiness and may be missing opportunities to