Investment Update - September stutters

Posted by JSCFinancial on Friday 1st of October 2021

With retail sales falling, it’s a sign that the UK economy is cooling following a resilient summer. But inflation is on the rise.  

 

September was a volatile month for financial markets, with many factors at play including supply chain disruptions, a rise in inflation and concerns that the pandemic could carry on moderating the recovery for some time. Global stock markets dipped during the month, after reaching record highs in previous weeks.1 The FTSE 100 index struggled, with falls in sectors including construction and commercial prop...


Can your Pension sustain your retirement?

Posted by JSCFinancial on Thursday 30th of September 2021

Can your pension sustain your retirement?

Working out how long your pension pot will need to last – as life expectancy rises – is worth thinking about sooner than later.

The lockdown caused many people to reassess their lifestyles, which for some meant choosing early retirement. But what retirees have found is that pension pots are not matching the period of time needed to enjoy a comfortable life.

Life expectancy is going up. The Office for National Statistics offers an online calculator which gives an estimate of life expectancy –...


Get the best out of your Buy To Let Mortgage

Posted by JSCFinancial on Thursday 30th of September 2021

Get the best out of your BTL mortgage

Many fixed mortgage deals will be approaching the end of their term this October, so it’s a good idea to review your buy-to-let mortgage.

With interest rates still at low levels and demand for rental properties increasing around the country, investing in a buy-to-let (BTL) is a popular choice for many.

Buy to let basics


A BTL mortgage is a specific type of product for those who want to buy a property with the intention of renting it. Because of this, there are different terms and rules around a...


How to make ISAs work for you

Posted by JSCFinancial on Thursday 30th of September 2021

How to make ISAs work for you

Make the most of your tax allowances by using the different types of ISAs that are available.

Individual Savings Accounts (ISAs) were first introduced in 1999 and are a tax-free way to save into a cash savings or investment account. There lots of different types of ISA available, but the right one for you will depend on your financial goals. We explain how they work so you can choose the one that is best for you.

Cash ISA
A cash ISA works in the same way as traditional savings account but you won’t have ...


Investment Update - Markets reflect uncertainty over Delta variant

Posted by JSCFinancial on Friday 3rd of September 2021

Investment Update - Markets reflect uncertainty over Delta variant

The pandemic continued to unsettle global financial markets during August.

August turned into a month of highs and lows for markets, especially in Europe. There was positive news that the euro area’s economy grew by 2% in the second quarter, which was then countered by a heavy fall in share prices, with the FTSE 100 in London, Frankfurt’s Dax and the Europe Stoxx 600 all dropping more than 2%.1 Causes for concern in Europe centred on fears of a new wave of Covid-19 as...


Get to know your SVR

Posted by JSCFinancial on Thursday 19th of August 2021

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Are Gen X Prepared For Retirement?

Posted by JSCFinancial on Thursday 19th of August 2021

 

 

 

 

  


How to plan for inheritance tax

Posted by JSCFinancial on Thursday 8th of July 2021

How to plan for inheritance tax

Following the news that thousands more people are expected to pay the standard 40% inheritance tax this year because of the effects of the pandemic, we explore some of the ways to navigate the complexities of inheritance tax.

The complex laws around inheritance tax (IHT) caught many people off guard during the Covid-19 pandemic. Along with the often-sudden loss of a loved one came the issues arising from IHT on gifts passed down to children and grandchildren.

This tax year marks the latest in ...


NEW BLOG - Time to consolidate your pensions?

Posted by JSCFinancial on Thursday 8th of July 2021

Time to consolidate your pensions?

Employer pensions can accumulate as we change jobs, and it’s easy to lose track of how much each one contains. We explore what you need to know if you’re thinking about consolidating your pensions.

When you leave a job, it’s easy to forget about the workplace pension you might have had there. With the average person having several jobs during their lives, along with the 2012 introduction of auto-enrolment for employer-based pensions, it’s not surprising that many of us have more than one pension to ...


NEW BLOG - Protect your possessions with accidental damage cover

Posted by JSCFinancial on Thursday 8th of July 2021

Protect your possessions with accidental damage cover

Insurance claims for accidental damage increased over the past year as more people worked from home, so it’s a good time to check your own coverage.

Figures from some of the country’s biggest insurance providers have shown a sharp rise in claims of accidental damage during the lockdown.

With many millions now working from home, the chances of accidents and damage to property have inevitably gone up. Halifax Home Insurance reported a rise of 35% for claims between July and...


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