If you have extra money and haven’t used your full £20,000 ISA allowance, now is a good time to think about it. There are talks about changing ISAs, possibly reducing the cash ISA limit to just £4,000. But don’t worry too much; any big changes are not expected until at least April 2026. What’s the
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Following Chancellor Rachel Reeves’ impactful Autumn Budget in 2024, anticipation was high around her recent Spring Statement. So, what’s changed, what’s staying the same, and what does it all mean for your finances? A Breath of Relief on Personal Taxes Worried about new tax increases affecting your wallet? Breathe easy! Reeves has stuck to personal
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Clarity is essential for your financial future. While Saint James Place has begun to introduce a more transparent charging structure, transparency has always been our hallmark at PWS Financial Consulting. We clearly state our fees without any hidden charges. A Comparison On a £500,000 portfolio (split 50/50 between pension and ISA), our lower costs benefit
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Investment opportunities exist worldwide. However, the unpredictability of global stock returns makes it extremely challenging to identify which markets are likely to outperform How can I deal with this kind of uncertainty? First, you should remember that it’s challenging, at best, to predict a country’s returns by looking at the past, as shown by the
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In recent years, you may have seen prices rise, whether it’s the cost of your food shop or your energy bill. Although inflation has decreased from a high of 11.1% in 2022, it remained above the Bank of England’s (BoE) target of 2% for most of 2024, ending the year at about 2.5%. This situation
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