Income protection has largely been the Cinderella of the insurance sector. According to the Financial Conduct Authority Financial Lives 2020 report, just six per cent of all UK adults hold IP. There is a variety of reasons for this: In...

Financial fraud and online crime is thought to cost the UK £2 million every day. The Metropolitan Police’s Little Book of Big Scams, now into its fifth edition, is therefore a must-read. It explains the multiple deceptions out there and...

Workplace pension auto-enrolment has been a success despite many doubters at the time of its launch in 2012. Nevertheless, there are now signs that participation may have stalled while the clamour is rising from those who say the level set...

The Government has floated the idea of putting one per cent on National Insurance (NI) in a bid to tackle the social care crisis. It has thrown the spotlight on NI, often described as the ‘forgotten tax’ because few people...

We’ve all gone through a really tough time through the pandemic with lives lost and many people’s finances stretched. It has been exactly the same for business and it has served as a warning for the future. The Personal Finance...

As retirement nears, there are some big choices to be made if you are on an interest-only mortgage. You’ll likely discover your existing deal is hard to renew. You might also want to access some of the capital locked up...

Moves are afoot to make it easier for Defined Contribution (DC) pension schemes to invest in illiquid assets – those that in contrast to most stocks and shares can’t be easily sold. They include direct property investment, investment in infrastructure...

The Covid pandemic has seen money pouring into Cash ISAs from spooked investors. Quite remarkable given the low interest rates on offer, especially when inflation is taken into account. Negative real returns are being made by many. Indeed, ISA savers...

There is an old saying that goes: It is far better to give with a warm hand than to give with a cold one. This may sound a bit morbid but the premise, as Capital Asset Management (CAS) notes, is...