National Savings & Investments (NS&I) have launched their first Junior ISA. The Junior ISA (JISA) was introduced in 2011 as a replacement for the Child Trust Fund. It had a slow start, but momentum has built and, according to the latest figures from HM Revenue & Customs (HMRC), JISAs now hold over […]
August provided a reminder that even in seemingly quiet times, the value of individual shares can be volatile. August is traditionally a month when the turnover on stock exchanges slows down because many people are on holiday. In the jargon, trading can be “thin”. That doesn’t mean, however, that nothing much happens, as the graph […]
The Pensions Regulator (TPR) is warning people about rogue pension websites that are carrying anti-scam messages to try to trick consumers into believing that they are legitimate businesses. These websites have been flagged to TPR because they are designed to look like legitimate pension scheme investments. Some of the reported websites suggest they are regulated […]
Taking out a life insurance policy is a great first step in ensuring that those who depend on you would be taken care of financially if you were to die. However, over the years, your circumstances are likely to change, meaning that you may need to increase your life insurance, or take out a different […]
The long-running saga of the final spring Budget and subsequent Finance Bills is one step nearer the end. The Chancellor’s spring Budget was thrown into disarray by the snap election. It was billed as the last spring Budget, since from now on all Budgets will be autumn events. However, only about a fifth of the […]
The Financial Conduct Authority (FCA) has examined the impact of pension flexibility and is worried about the lack of advice. Pension flexibility came into effect in April 2015. In theory, since then it has been possible from age 55 onwards to withdraw your entire money purchase pension fund as a lump sum, albeit generally 75% […]
