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Autumn Budget: What small business owners need to know
There are long-term cost pressures for SMEs including higher minimum wage, and a cap on NI-free pension salary sacrifice contributions. Investment and growth levers exist, but details are thin: EMI, VCT, and listing reliefs are referenced to aid scaling, but no new...
Are we living in a bubble?
Financial bubbles form when asset prices disconnect from fundamentals and jump to unsustainable levels. They have been part of the investment landscape since financial markets were first regulated. Some high-profile voices (Bank of England, IMF) are urging caution at...
Bonds made simple – a beginner’s guide to the world’s largest asset class
Bonds have long been seen as the backbone of a balanced investment portfolio – and traditionally the quiet partner to more volatile equities. Yet Liz Truss’s 2022 ‘mini-budget’ and the September 2025 spike in long-term bond yields to near thirty-year highs became...
Can I pass on my pension when I die?
You can’t take it with you… and soon you will no longer be able to pass it on tax-free. Changes announced in Labour’s first 2024 Autumn Budget mean that from April 2027, any inherited pension funds may be liable for inheritance tax. This has left many families...