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Business owners – from optimism to uncertainty in a volatile world
Early optimism has given way to fresh uncertainty following recent global events. Many business owners say it feels harder right now. However, UK SMEs have already navigated Brexit, Covid-19 and global instability, becoming leaner, more data-driven and more adaptable....
Five allowances to use before tax year end
Using your allowances has become more important than ever as the cost of living and inflation have increased. Tax wrappers such as ISAs and pensions offer significant long-term benefits. The right plan depends on your individual circumstances and may involve...
Making your pension & ISA allowances work for you
In the Autumn Budget 2025, the Chancellor announced changes to the cash ISA allowance from April 2027 and salary sacrifice pension contributions from April 2029.However, ISAs and pensions remain some of the most tax efficient ways to save in both the long and short...
2026 Market outlook – themes, opportunities, concerns
It’s been a classic roller coaster year for investors.Returns are being supported by AI and the prospect of lower interest rates.Key concerns are the concentrated returns profile and demanding valuations. 2025 has been a classic rollercoaster year across markets....