Search results for "risk"

There are 53 result(s) with the term “risk“

Mortgage options explained

Navigating mortgage options

Mortgage Options Explained Whether you’re planning to buy your first home, switch to a new deal, or consider a remortgage, navigating the world of mortgages can feel overwhelming. Fixed-rate, variable-rate, and tracker mortgages are some of the most common options available. Each caters to different financial needs, ... Read More
May 26, 2025Charlotte Malcolm
Financial Roadmap 2024

Financial Roadmap

Financial road map How to devise a robust plan for wealth accumulation and protection Understanding your financial situation is crucial to achieving both short-term and long-term objectives. With a detailed insight into your finances, you can maximise your assets and devise a robust ... Read More
May 22, 2025Charlotte Malcolm

Cashing in your entire pension pot

Without very careful planning, you could run out of money and have nothing to live on You could close your pension pot and take the entire amount as cash in one go if you wish. Normally, the first 25% (quarter) will be tax-free, and the rest will ... Read More
April 29, 2025Charlotte Malcolm
loan-to-value

What is loan-to-value (LTV) and why does it matter?

Understanding how these three letters impact on you financially When you borrow money to buy a home, the loan is typically expressed as a percentage of the property’s value. This is known as the loan-to-value ratio (LTV). Lenders look at your LTV when deciding if they’ll accept your mortgage application – ... Read More
April 15, 2025Charlotte Malcolm
Identity Theft

Identity Theft – Protecting yourself

Common ways fraudsters can steal your personal information Identity Theft and how to protect ourselves. As individuals, throughout our lifetime we exchange personal information with a vast number of institutions including banks, credit card suppliers, utility companies, supermarkets, government organisations and retailers. This may be to receive important services, but ... Read More
March 30, 2025Charlotte Malcolm
Tax allowances

Tax Health Check to do list

Maximising the end of the UK tax year 2024/25 Time is running out to fully capitalise on tax-saving opportunities The UK tax year is a well-structured framework governing tax assessment and collection. It begins on 6 April and runs until 5 April the following year. As we approach the end of the ... Read More
March 12, 2025Charlotte Malcolm
Types of Investment

TFA Guide to Investing – Investment Bonds

Investment bonds may appear complex; however, they can serve as highly valuable financial instruments. If you have contemplated where to allocate a substantial sum of money with an element of security, investment bonds may represent a viable solution. This discussion will elucidate their nature and functionality. What ... Read More
February 21, 2025Charlotte Malcolm
Don’t miss the ISA Deadline

Don’t Miss Out: Remember to Use Up Your 2024/25 ISA Allowance

Overview of ISA Allowances What is an ISA? Let’s start with the basics. An Individual Savings Account (ISA) is a tax-efficient way to save or invest money. You don’t pay tax on the interest, dividends, or capital gains you earn—sounds great, right? ISAs come in several flavours, including Cash ISAs, Stocks and ... Read More
February 1, 2025Charlotte Malcolm
Stocks & Shares ISA’s Explained

5 Reasons to open a Stocks & Shares ISA

Stocks and Shares ISA's Explained Introduction to ISAs What is an ISA? An ISA, or Individual Savings Account, is a tax-free savings scheme in the UK. It allows you to save or invest without worrying about income tax or capital gains tax on returns. The innovative design of ISAs ... Read More
January 27, 2025Charlotte Malcolm
Transferring ISA’s

Transferring ISAs

Time to Bring Your Investments Together? Transferring ISA's If you've been saving for a while, chances are you’ve accumulated several Individual Savings Accounts (ISAs). These accounts are a fantastic tool to grow your savings tax-free. However, managing multiple ISAs can sometimes feel like juggling—one wrong move, and ... Read More
January 20, 2025Charlotte Malcolm