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Approaching retirement: what is the right time to de-risk?
De-risking strategies may involve broader diversification of your investments and regular reviews of your portfolio to help manage risk.Selling investments during a market dip can harm long-term growth. Having a cash buffer set aside can help you avoid this.The right...
New tax year: maximising opportunities at every life stage
Individual savings accounts (ISAs) and pensions are core pillars of financial planning, given their favourable tax treatment.Financial priorities evolve through life, making regular reviews essential.Everyone’s circumstances are different, so solutions should reflect...
Saving & investing for children & grandchildren
Most long-term investment options for children and grandchildren, such as junior ISAs, personal pensions and accounts held in trust, are subject to specific access rules.Savings accounts may be more suitable, particularly if money is likely to be needed in the short...
The busiest shipping lanes in the world
The conflict in Iran has brought shipping traffic to a halt in the Strait of Hormuz, a key corridor for global trade. This disruption has highlighted the world’s reliance on this strategic sea route and the vulnerabilities it creates for the global economy. Here we...