The power to change the world

Posted by JSCFinancial on Thursday 22nd of April 2021

The power to change the world

Ethical and sustainable investing are both popular and it’s useful to understand the difference between the two approaches.

Investing in a responsible way is nothing new. It dates as far back as the 1700s, when religious groups such as the Quakers refused to support companies involved with the slave trade or other activities that conflicted with their values. Ethical funds started to appear in the UK in the late 1960s and early 1970s, which allowed people to invest in a way that reflected their personal ...


Daily Investor Update 16 April

Posted by JSCFinancial on Friday 16th of April 2021

With the vaccine rollout gathering pace and the roadmap set out for the easing of the current lockdown restrictions, there appears to be some light at the end of the tunnel. With this in mind, we hope you and your close ones are staying safe.

The coronavirus pandemic has caused significant volatility in global equity markets and we continue to see larger daily falls and gains than we would normally expect. With this in mind, it is really important that you think twice before taking any action over your pensions and investments.

The FTS...


Investment Update April 2021: Springing into action

Posted by JSCFinancial on Thursday 8th of April 2021

Successful vaccination programmes are rolling out on both sides of the Atlantic, pointing to a brighter economic outlook.

The US and UK continued their rapid vaccine programmes to combat the coronavirus pandemic, while Europe lagged in its rollout, resulting in a resurgence of COVID-19 cases in some parts of the EU. As a result, the US and UK are likely to be able to reopen their broader economies sooner, while much of Europe still faces strict lockdowns.

Budget brings some relief
In his March Budget, Chancellor Rishi Sunak outlined stimu...


Flexible insurance for when you need it

Posted by JSCFinancial on Friday 26th of March 2021

It's all too easy for us to put our head in the sand when it comes to thinking about our protection requirements. People tend to find it challenging to engage with the topic as it involves thinking of negative potential scenarios. In reality, this is the reason to put it to the top of your ‘to-do list’. Life is hopefully rosy but being prepared for any eventuality is truly priceless.

One important type of protection worth serious consideration is accident and injury cover. Life’s an adventure, we don’t always know what’s waiting for us ar...


Home insurance - Buildings vs. Contents cover

Posted by JSCFinancial on Friday 26th of March 2021

Your home is likely to be the most expensive purchase you’ll ever make so it’s important to insure it properly. Having the right type of cover in place means your property will be protected for a range of incidents, from burglary to a burst pipe.

Buildings insurance explained
Buildings insurance covers the permanent fixtures and fittings of a property, such as baths and toilets, fitted kitchens, and even decorations such as wallpaper. It may also provide cover for your garage, greenhouse or garden shed, but policies vary so it’s important ...


Get mortgage fit for 2021

Posted by JSCFinancial on Friday 26th of March 2021

Estimates suggest that well over one million borrowers have lapsed onto their lender’s default standard variable rate (SVR). Has this happened to you? If so, now could be the perfect time to consider a remortgage, to get your finances in good shape for the year ahead.

Do you know your mortgage rate?
If your current tracker, fixed rate, or discount mortgage deal has ended, you are likely to be switched onto your lender’s SVR and could be paying way over the odds, perhaps without even realising. It has been found that borrowers on an SVR cou...


Budget 2021 highlights

Posted by JSCFinancial on Friday 26th of March 2021

Rishi Sunak has had to make some tough decisions as he balances tackling the health crisis, securing an economic recovery and looking ahead to fixing the public finances.

In this year’s Budget the Chancellor has juggled contradictory demands by setting out his plan to continue supporting millions of people and businesses hit by the Covid lockdown, while also outlining a path to start fixing the economy. Here’s a summary of the policies that could affect the personal finances of families and business owners throughout the UK.

Taxes and al...


The key areas of Tax Day

Posted by JSCFinancial on Friday 26th of March 2021

In mid-February the Treasury announced that “To allow for more transparency and scrutiny, documents and consultations that would traditionally be published at a Budget will be published on 23 March”. It was far from clear what would, or would not, emerge just 20 days after Rishi Sunak’s first Budget of 2021. A letter from the Financial Secretary, Jesse Norman, to the Treasury Select Committee promising “… a number of consultations, most of which will be published on the same day” was similarly vague.

Nevertheless, 23 March became labelled T...


Spring Budget 2021 “We will recover”

Posted by JSCFinancial on Thursday 25th of March 2021

Chancellor of the Exchequer, Rishi Sunak, delivered his second Budget on 3 March declaring that "we will recover". The key fiscal event, which had been delayed from the Autumn due to the pandemic, centred on a £65bn three-part plan designed to continue supporting British people and businesses through the pandemic, ‘fix’ the public finances once recovery begins and lay the foundations for the future economy.

Economic Forecasts
The Chancellor began his statement by revealing the latest forecasts produced by the Office for Budget Responsibility...