How to build long-term wealth
How to build wealth over the long term Building wealth involves consistently investing surplus income into a diversified mix of assets such as shares, funds, property, and pensions, while managing risk and keeping costs and taxes low. Long-term wealth is driven by compounding, disciplined behaviour, and tax-efficient investing using structures such as Stocks and Shares […]
New to investing? Here’s how to get started
Six tips for new investors It’s a New Year, and you know that the best way to build wealth is through long-term investing. You’ve been meaning to get started for a while, but haven’t gotten around to it. But where to start? With so much information available, it’s overwhelming. Worry not. Here are some practical […]
How to get your finances in top shape in the New Year
Improving your finances in 2026. As the festive season approaches, it’s easy to get swept up in the joy—and the spending. But with a bit of planning, you can enjoy the holidays without financial regret and start the new year on solid footing. Here’s how to avoid overspending at Christmas and set yourself up for […]
Who pays inheritance tax and when does it have to be paid?
Inheritance tax: Who pays it, and when does it have to be paid? Inheritance tax (IHT) is one of those topics families often ignore until faced with it directly. When someone passes away, questions quickly arise: Who is responsible for paying the tax? When must it be settled? And how can the estate ensure the […]
When to start thinking about inheritance tax planning
When is the best time to start planning for inheritance tax? There’s a peculiar British habit of treating death like a distant cousin—acknowledged, but rarely invited to dinner. We plan our holidays with precision, our retirement with diligence, and our weddings with care and attention to detail. But when it comes to inheritance tax, we […]
UK government confirms permanent mortgage guarantee scheme
Mortgage guarantee scheme – key facts at a glance The UK Government has confirmed that the Mortgage Guarantee Scheme, originally launched in 2021, will now be made permanent. This decision forms part of wider efforts to improve access to home ownership for individuals with smaller deposits. Quick summary (TLDR) 95% loan-to-value mortgages to remain available […]
What are the top three long term investments?
A guide to the best investments for long term investors The expression “long term” isn’t a particularly popular one in an era where everyone wants fast results. How rapidly can I lose weight? Can I build muscle fast? How soon can I make a ton of money? Patience is a dying art. That’s the era […]
Are pensions a good long term investment?
Why are pensions still a good long-term investment? With all the investment options available today, from shares and property to Venture Capital Trusts, it’s natural to ask: Are pensions still a good long-term investment? The short answer is: Yes, absolutely. For many, pensions are a solid long-term investment. In fact, pensions remain one of the […]
Five emotional investment decisions to avoid
Should you avoid making emotional investment decisions? Acting emotionally when it comes to your investment decisions is a difficult thing to avoid. Fear and greed are two emotions that drive us to make poor investment choices. Fear of losing money or of being wrong is two of many reasons why mistakes are made. In today’s […]
The benefits of time in the market for long term investors
Time in the market – is it the best approach for long-term investing? In long-term investing, it’s not about when you invest, it’s often about how long you stay invested. Time in the market, not timing the market, is considered by many a solid path to building lasting wealth. For clarity, this article doesn’t offer […]