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November Market Commentary

Introduction  The end of October brought plenty of bad news for Western economies as scientists stood in front of graphs and talked of ‘inexorable rises’ and ‘exponential increases.’ Unsurprisingly, stock markets duly took note. We report on 12 major stock markets and only two, India and Hong Kong, were up in October, with all the […]

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Later life care could cost £1,000 a week. How can Britain afford this?

Covid-19 has made the country’s broken social care system an important political subject, one that urgently needs solving. As with all complex political subjects, the solution will be far from simple. Most recently, the government has announced that it is considering a new approach to the care funding crisis – they are considering taxing the […]

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How long term home working will affect your finances

There’s a chance that many workplaces may never return to the office. Several prominent tech firms have already said that their staff can continue to work from home even after the pandemic and the evidence suggests that a large number of other employers are thinking the same thing. Essentially, the pandemic accelerated an already established […]

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October Market Commentary

Introduction  September was a difficult month for world stock markets. It was one of those rare months when none of the markets we report on managed to gain any ground as fears of a second wave of the Covid-19 pandemic sparked a global sell-off in shares. It was also another month of bickering as tensions […]

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Minimum age for pensions freedoms rises to 57

The government has confirmed that the minimum age for drawing a personal pension is to rise to 57 in 2028. Savers who pay into a personal pension either directly or through their workplace can currently access their money at 55. However, the government plans to raise the age as a result of increased life expectancy. […]

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The changing face of financial advice

This article discusses how financial advisers across the nation have adapted to continue to deliver a valuable service at a period of upheaval which hasn’t been seen since the Second World War. Covid-19 has completely changed the way financial planners deliver advice. At the drop of a hat, the industry had to embrace years’ worth […]

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September Market Commentary

Introduction August used to be known as the ‘silly season’ – a phrase coined by the Times in 1861 to describe the lack of news in August and early September when parliament was in recess. Well, there was plenty of news in August 2020. With coronavirus and its effects, the continuing squabbles over Brexit, the […]

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How did lockdown change our personalities?

There wasn’t just one lockdown – each person had their own unique experience over the three and a half months that were unlike any before. Some were involuntarily forced into months of solitude, while others were holed up in close contact with family members. For some it was a chance to slow down while for […]

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How the gender gap even affects children’s pensions

We’re familiar with the gender gap in pensions for adults but there is evidence that this actually starts much earlier on. According to data from HMRC, parents and grandparents are more likely to save into a boy’s pension than a girl’s. A Freedom of Information request by Hargreaves Lansdown revealed that 13,000 girls aged 15 […]

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How to spot fake news

Social media and online platforms are full of misinformation and fake news at the best of times so in the midst of a pandemic, the problem only escalates. Conspiracy theories, fake cures and scams abound – myths that 5G causes coronavirus, that COVID-19 is a biochemical weapon released by China, or that drinking bleach can […]

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