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As a parent, you want to do everything you can to ensure that your children have a bright and secure future. One way to do this is by investing on their behalf. Not only can they start adulthood with some savings, but getting children involved early with saving also helps them learn important lessons about money. The earlier you start investing, the better. Time is a powerful tool when it…

Please click here to see the 2024 investment outlook from OMNIS Investments.

In this guide, we explore saving and investing. Starting with the main differences between the two approaches to help you work out which route is best for your money. What are the differences? Saving Cash savings accounts are ideal if you’re setting aside money you’ll need to access, which will accumulate interest at a rate set by your provider. You will always get back at the very least what you…

Did you know that tax breaks could help boost your salary, savings and investments? It’s easy to miss out on their full benefits as tax can be complex. But with help from your adviser, you can explore the following tax allowances in more detail. For married couples or those in a civil partnership You might be able to take advantage of the marriage tax allowance. It allows one half of…

Household bills have increased rapidly during the past year. The current cost of living crisis began with the Covid pandemic, causing problems for economies around the world and creating global supply chain delays followed by the war in Ukraine. Following such an extended period of price rises, you may be concerned about your household finances and long-term plans. If you are retired or about to retire and rely on a…

Since the government introduced pension auto-enrolment in 2012, millions more workers have started saving for their retirement. Now, the government has confirmed plans to extend auto-enrolment to encourage a savings boost. The changes could have implications for both employees and business owners. Following a review of auto-enrolment the government has revealed key reforms forecast to increase pension contributions by £2 billion a year. Key auto-enrolment changes to be aware of…

Key Dates For Your Finances 2022 Now’s a good time to make sure your fully prepared for the financial year ahead. To make it easy we’ve summarised the key dates and facts and figures below. 1 April National Living Wage (for age 23+) rises from £8.91 to £9.50 National Minimum Wage rises to £9.18 (for 21-22-year olds), £6.83 (for 18-20-year olds), £4.81 (for 16-17-year olds) and £4.81 (for apprentices under…

When it comes to retirement, there are some ideas that can turn out to be quite different when you examine them closely. We explore five of them. 1. You can live off the state pension alone The current basic state pension is £137.60 per week, or £179.60 for the new state pension if you were born on or after 6 April 1951 (for a man) and on or after 6…

Autumn Budget highlights In Chancellor Rishi Sunak’s second financial statement this year, there were few surprises as he looks to fix the economy following the pandemic. With inflation climbing and interest rate rises on the horizon, Britain is at a critical period in terms of its economic future. Multiple lockdowns caused the UK economy to slump by 10% while the government spent more than £100 billion supporting jobs. Now the…

Investment Update – Energy shortages and supply disruptions continue Stock markets bounced back in October despite an unsettled month due to global supply disruptions and energy shortages. Financial markets were unsettled in October for a number of reasons. They include soaring energy prices due to the global shortage of natural gas supplies and high demand in Asia. Markets became calmer after Russian President Vladimir Putin indicated that his country could…