Would you jump off a cliff? What about if you had a parachute?

Posted by siteadmin on Tuesday 16th of February 2021

So, we have known for some time that men (on average) get paid more than women and much is being done to try to bridge the gender pay gap. But there is a much bigger problem than unequal pay, which is just one contributory factor of this increasingly significant issue – the “gender wealth gap”.

Research undertaken by Prospect, trade union, reported that the “gender pension gap” was around 40% in 2018-19, whereas the “gender pay gap” (amongst the full time employed) was around 18% - it is now around 15.5%. The “pensions gap” is a very large ...

What a Difference a Year Makes!

Posted by siteadmin on Friday 22nd of January 2021

What a Difference a Year Makes!

Twelve months ago we were suffering dry January, joining gyms, lamenting the increasing numbers on the scales, buying up self-help books and making New Year’s resolutions in the hope that this year might just be different – we might just stick to them!

We are halfway through January 2021, and this year it does feel different, don’t you agree? Last year we didn’t have our fill of luxury holidays, our wardrobes are looking very “last year” (because is there really any point in worrying about fashion?), you can...

Wham Bam! You've been scammed

Posted by siteadmin on Tuesday 24th of November 2020

Staying Vigilant about Financial Scams

Sadly, as we live and work through the Pandemic, cyber criminals remain active and we continue to hear of some distressing cases. Financial Scams look and sound legitimate, which is why it’s easy to be tricked. We urge everyone to be on their guard and remain vigilant. If you are concerned about anything you receive by email or phone relating to your finances that you don’t recognise or aren’t expecting, please do not hesitate to contact us for advice. It may also be a good idea to remind those in your...

National Savers - Please Beware the Cliff Edge!

Posted by siteadmin on Monday 23rd of November 2020

On 24th November National Savings and Investment (NS&I) will begin to implement their recently announced reduction in interest rates that apply to their variable rate products and some fixed term products, come maturity.  Premium Bond rates will decrease after their December prize draw.  The rate reduction is so dramatic, that it is worth considering an alternative investment.

NS&I were due to reduce their rates in May but in April they put off the reduction as a result of the pandemic.  This caused NS&I to become the market leading rate pr...

United States of Anxiety

Posted by siteadmin on Monday 23rd of November 2020

United States of Anxiety – what does this mean for us?

Once again defying the polls, Donald Trump unquestionably did better than predicted, but it looks like Biden may have controversially pipped him at the post.

It seems that this is the second consecutive Presidential election that the winner has not obtained the most votes and the third time this has happened in the last six elections. (Before then, it hadn’t happened since 1888).

So, what does this all mean for us in the UK and for investors in general?

Well, concerning the UK, we cl...

Digital Legacy

Posted by siteadmin on Friday 13th of November 2020

Don’t Forget Your Digital Legacy

When we think about what we leave behind when we die, the majority of us take an approach that gives little regard to the vast amount of digital assets we hold. We write wills, take out life insurance policies, plan our funerals and arrange to leave some money aside for those we care about. All of these steps make things easier for your family at an emotionally difficult time.

However, most of us neglect our digital legacy. Few of us have measures in place to take care of our digital assets, something tha...

The Rise of ESG

Posted by centro on Friday 13th of November 2020

The rise of ESG Investing?

ESG investing means using environmental, social and governance factors to assess investment opportunities. It may also be referred to as impact or socially responsible investing (SRI).

I believe that the Covid-19 pandemic has changed the way we think and behave for some time to come, and hopefully forever. The behavioural effects of this global health and economic crisis, in culmination with the imminent rise of the Millennials and Gen Zs, will inevitably have consequential changes to the way we consume and inves...