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The role of Individual Savings Accounts (ISAs) has changed since they were launched over 20 years ago, so are they still worth having? Since ISAs were introduced in April 1999 the ISA portfolio has been extended to include: Junior ISAs (for the under-18s). Help to Buy ISAs (no longer on sale). Innovative Finance ISAs (for […]
One of the last decade’s more infamous financial scandals has finally reached a conclusion. The name of London Capital & Finance Plc (LCF) sounds impressive, but the business behind it was anything but. In the late 2010s, LCF issued ‘mini-bonds’, raising capital from individual investors to lend on to small businesses. LCF offered rates of […]
Fraudsters are poised to target the British public with ticketing, travel and health insurance scams as consumers look to book in much-needed social activities as lockdown restrictions ease, warns UK Finance. The scam alert comes as the Take Five to Stop Fraud campaign publishes guidance below on how consumers can protect themselves in the lead-up […]
The fund performance league tables have gained over 530 new funds since April. In the middle of April, the trade body of investment managers, the Investment Association, made a radical revamp to its fund sectors. As a result, many of the investment performance league tables have been changed subtly, even though the performance of the […]
PROTECTING WHAT MATTERS MOST Financial resilience is the ability to recover quickly from unexpected financial shocks. Many of us insure our homes and cars without really thinking about it, but far fewer insure their lives and incomes. And yet, if you were to die, how would those you leave behind be able to manage financially? […]
The freeze on the inheritance tax (IHT) nil rate band will mean more tax from more estates. In March 2006, then Chancellor, Gordon Brown, announced that the the inheritance tax (IHT) nil rate band for 2009/10 would be £325,000. Announcing the change (over three years before it would happen) was seen by some […]