When Tom and Pete bought their first property together, things couldn’t have been going better. They both had good jobs, were pulling in decent salaries and were excited about spending the rest of their lives together. They chatted about making a Will a few times, but somehow life always got in the way. Until one […]
Happy 21st to the ISA
An Individual Savings Account (ISA) is a tax wrapper for your money. There are two main types available depending on the level of risk you’re prepared to take: Cash ISA Stocks and shares ISA If you’re 16 or older you can have a Cash ISA, whereas Stocks and Shares ISAs are aimed at 18s and […]
Omnis Market Update
Last Week – Key Takeaways Markets: Shares welcome Democrat’s victory in Senate Global shares rose as they focussed on the prospect of further support measures for the US economy rather than the events in Washington DC on Wednesday and the impact of lockdown on the US job market (see US section); The Democrat party won […]
Tax-free investing It’s time to talk
With the first wave of Child Trust Funds maturing this year, there’s a great opportunity to talk to your children about the benefits of saving and investing. If one of your children has recently celebrated their 18th birthday then there’s a good chance they’ll have some money in a Child Trust Fund (CTF), which they […]
Business Protection. You need it more than ever
Prior to lockdown, over half (51%) of businesses had some form of debt, owing an average of £176,000 each – and yet just 20% used an insurance policy as security. To add to this already significant issue, bank lending to struggling businesses via government-backed COVID-19 loan schemes reached nearly £52bn as of mid-August – meaning […]