Active, passive, or robot? Choosing your ISA management style December 9, 2025 Deciding to open a Stocks and Shares ISA is only the first step. The more critical decision—and the one that will determine your fees, stress levels, and potential returns—is how that money is managed. There are several distinct management styles, ranging from AI-driven algorithms to traditional human expertise. Understanding the difference between robo, self-managed, discretionary, [...]
Planning your personal finances in 2026 and beyond December 9, 2025 Partner content, in association with JP Morgan Personal Investing. By Claire Exley, head of financial advice and guidance at J.P. Morgan Personal Investing In the run-up, the 2025 Budget was probably one of the most talked about in recent years. The telltale sign is when friends who don’t usually show much interest are suddenly asking [...]
A complete guide to ISAs December 9, 2025 For UK investors, few acronyms carry as much weight as “ISA.” The Individual Savings Account remains the bedrock of personal financial planning in Britain, a tax-efficient sanctuary for your wealth amid ever-increasing taxes. As we move into the new tax year, the importance of maximising this allowance has never been greater. According to the IFS, [...]
UK markets need radical reform, not the Chancellor’s endless tweaks November 27, 2025 ISA reform and stamp duty relief are sticking plasters for a stock market that needs major surgery, writes Tim Focas.
Autumn Budget: Cash ISA tax free allowance slashed to £12,000 November 26, 2025 In a major policy shakeup, Chancellor Rachel Reeves has confirmed a slash to the cash ISA ceiling but over 65s will retain the full allowance. After weeks of speculation, Reeves confirmed the ceiling will be cut from £20,000 to £12,000 as of April 2027, as part of her bid to stop people from hoarding cash [...]
Everything we know about Rachel Reeves’ Budget – from mansions to milkshakes November 24, 2025 In the run-up to the mother of all Autumn Budgets to be delivered by Chancellor Rachel Reeves this week, tax rumours have run wild, infecting the minds of businesses and working Brits while adding to the sense of peril that a botched fiscal event could bring. Investors are running scared. Voters fear looming betrayal. Gamblers [...]
The London LISA problem November 19, 2025 ISAs are set for a starring role in next week’s Budget as Chancellor Rachel Reeves searches for ways to kickstart economic growth. The Treasury is reportedly mulling a slash to the cash ISA ceiling from £20,000 to £10,000 to stop Brits hoarding cash, and encourage investment into domestic stocks. Dividends are also potentially in the [...]
Brits insist on cash ISA safety net amid Treasury investment push November 12, 2025 Millions of Brits refuse to invest in the stock market without a significant cash safety net amid growing speculation over a potential slash to the cash ISA ceiling. According to financial services platform Moneybox, 87 per cent of people insisted on having a substantial amount of cash before investing, confirming it made them more comfortable [...]
Autumn Budget: How could Rachel Reeves change salary sacrifice rules? November 10, 2025 Salary sacrifice schemes have allowed Brits earning more than £100,000 to avoid high taxes since the 1970s. While a pay rise can be lucrative for some employees, for others being dragged over the £100,000 threshold can be financially damaging, particularly for parents of young children who risk having their free childcare hours pulled away and [...]
Government must increase financial education in order to boost investment, think tank warns October 20, 2025 The government must do more to encourage wealth building and increase financial knowledge as Brits continue to turn away from retail investing, a think tank has warned. According to the latest report from the Startup Coalition, only 50 per cent of adults invest in the stock market, leaving billions in low-yield accounts and cash ISAs, [...]