All about ISAs

In the 2019/20 tax year, you can save up to £20,000 tax-free in an Individual Savings Account (ISA), and when it comes to your ISA investment, you have a number of options. Investors comfortable with the slightly higher risk Peer to Peer lending can also now invest in an Innovative Finance ISA, and those aged [...]

May 21st, 2019|Investments|

A global approach to asset allocation

Asset allocation is one of the key tools in our investment proposition to help strike the right balance between risk and reward in your portfolio. It applies to asset classes, such as equities, bonds and cash, and different global regions. The actively-managed Omnis Managed Portfolio Service (OMPS) and our Graphene model portfolios are all globally [...]

May 7th, 2019|Investments|

How to fund happy your happy memories

Key life moments such as watching your child gain independence by learning to drive or setting off to university can create happy memories, but are also pricey. Zurich claims the average cost of learning to drive is £6,117 while typical university tuition fees were £27,000 in 2018. If your child starts learning to drive at [...]

April 4th, 2019|Investments|

Risk vs reward

Despite the recent mortgage interest rate rise, savers will still struggle to enjoy any kind of growth on money they have on deposit, leading some to consider a riskier investment. If you're considering investing in the stock market, an important – and very personal issue – is how you feel about the prospect of putting [...]

October 16th, 2018|Investments|

Are people falling out of love with cash ISAs?

 Savers are turning away from cash ISAs, data from HM Revenue & Customs (HMRC) suggests, with its latest figures revealing a drop in new accounts. There were 697,000 fewer cash ISA accounts opened in the 2017/2018 tax year compared with 2016/2017. However, the amounts subscribed increased by £610m over the same period to £39.8bn. In [...]

September 7th, 2018|Investments|

Sweet 16! Child Trust Funds come of age!

From football players of your youth becoming managers, to pop groups of the 90s reforming, there is plenty that can make you feel old - here is a financial one. This month, the first Child Trust Fund (CTFs) recipient will turn 16 and will be able to manage their account for the first time before [...]

September 7th, 2018|Investments|

Sun, sea, sand and savings

The summer holidays are in full swing, so how much has it cost you so far and how are you funding it? According to Post Office Money, parents across the UK are expecting to spend £7.8bn entertaining their children this summer – an average of £594 per parent. The costs associated with the summer holidays [...]

August 1st, 2018|Investments|