Author: Phil
How interest rates affect house prices
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The Bank of England sets the “base rate” for the UK; that is, the “cost” of borrowing money for the government. […]
Posted in Financial Planning
Are you getting the best workplace pension?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Since the Pensions Act 2008, employers in the UK must put employees on a workplace pension (via auto enrolment). Yet the […]
Posted in Pensions
Why is the UK Government spending even more?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The Chancellor’s recent Autumn Budget contained a pledge to spend an extra £150bn over the coming years. This might come as […]
Posted in Blog
The state of Buy-to-Let after the Autumn Budget
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Buy-to-Let was not explicitly mentioned in the 2021 Autumn Budget, but it does contain some important information for landlords. In this […]
Posted in Financial Planning
Is buying the dip a good investment strategy?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. You may have heard the phrase in investing: “buy low and sell high”. Yet what does this mean, exactly, and is […]
Posted in Investments
Pension age rising to 57
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Life expectancy in the UK has been rising since the 19th century. A man born in 1841 might only live until […]
Posted in Pensions
Which is better: property magnate or stock investor?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. People have different ideas about how to build wealth. Some imagine themselves building a large property portfolio (e.g. of Buy To […]
Posted in Investments
Rising energy prices – how to reduce your costs
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Just as the UK seems to be emerging from one crisis – COVID-19 – it seems to be walking into another […]
Posted in Financial Planning
How much National Insurance will I pay?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. National Insurance (NI) is often the “hidden tax” that many people do not fully understand – or factor into their tax-mitigation […]
Posted in Financial Planning
A short guide to phased retirement
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Retirement looks different to everyone. Some people look forward to retiring fully from age 57 and living off their investments for […]
Posted in Pensions