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Financial planning

The key to a successful financial future, as with many things in life, is planning.

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The benefits of staying invested
The benefits of staying invested

Tax rates & allowances
Tax rates & allowances

Spring Statement in brief: what you need to know
Spring Statement in brief: what you need to know

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Article

The benefits of staying invested 4 min read

Mike Neumann
Mike Neumann,

04/04/2025

You are more likely to reach your long-term goals if you remain invested and avoid trying to time the market.

Financial Planning

Tax rates & allowances

How much tax do we pay? This page summarises the main rates and allowances. The current tax year runs from 6 April 2025 to 5 April 2026.

5 min read

Blog

Spring Statement in brief: what you need to know

Rachel Reeves's Spring Statement confirms various tax rises as well as a £14bn package to repair the UK public finances.

2 min read

Article

A guide to ISAs: The different types and how they work

With higher interest rates pulling more into the savings tax net and a tax raid on both capital gains and dividends, using an ISA has become even more important.

4 min read

Blog

Topping up your state pension: Don’t miss the deadline

A deadline of 5th April has been set for people to check their National Insurance records and fill in any gaps going back as far as April 2006.

Joshua Pape
Joshua Pape,

11/03/2025

3 min read

Blog

International Women’s Day 2025: Beat the gender pension gap

International Women's Day 2025's theme, 'Accelerate Action', highlights the urgent need to take swift and decisive steps toward achieving gender equality. While celebrating how far we’ve come, it’s vital to also recognise the ongoing need to tackle lasting gender barriers.

Zoe Brett
Zoe Brett,

08/03/2025

3 min read

Blog

Tax year end 2024/25 | Important dates

One month to make the most of your pension and ISA allowances.

Toby Walker
Toby Walker,

05/03/2025

2 min read

Article

What happens when you inherit investments?

By 2027, it is expected that intergenerational wealth transfers will nearly double from the current level of £69 billion, to £115 billion every year. Investment portfolios are a common way that beneficiaries will receive assets.

Zoe Brett
Zoe Brett,

17/02/2025

4 min read

Blog

Bringing your pensions together

Transferring all your pensions into one could save time and provide a clearer picture when you’re making retirement plans.

Zohaib Mir
Zohaib Mir,

10/02/2025

4 min read

Blog

The Good Guide to Financial Planning 2025

Life happens - but if you’re ready for it, your finances will help rather than hinder your plans.

Ben Faulkner
Ben Faulkner,

20/01/2025

2 min read

Blog

Keep your financial goals on track in 2025

Put yourself on the best financial footing possible for the New Year.

Zoe Brett
Zoe Brett,

06/01/2025

3 min read

Blog

Takeaways from the US Presidential election

Donald Trump’s return to the presidency as the 47th president marked a dramatic comeback after a polarising election.

Kasim Zafar
Kasim Zafar,

06/11/2024

4 min read

Blog

Autumn Budget 2024

Chancellor unveils large tax rises, mainly through employers’ national insurance, to pay for extra spending on public services, and more borrowing to pay for the extra investment this government sees as central to its growth ambitions.

5 min read

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Sustainable World – Cautious

The strategy is comprised of specialist, actively managed and passive tracker funds. This Cautious portfolio is diversified across a mix of equities, fixed income and cash.

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Factsheet

Sustainable World – Cautious Plus

The strategy is comprised of specialist, actively managed and passive tracker funds. This Cautious Plus portfolio is diversified across a mix of equities, fixed income and cash.

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Factsheet

Sustainable World – Balanced

The strategy is comprised of specialist, actively managed and passive tracker funds. This Balanced portfolio is diversified across a mix of equities, fixed income and cash.

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Factsheet

Sustainable World – Balanced Plus

The strategy is comprised of specialist, actively managed and passive tracker funds. This Balanced Plus portfolio is diversified across a mix of equities, fixed income and cash.

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Factsheet

Factsheet

Sustainable World – Adventurous

The strategy is comprised of specialist, actively managed and passive tracker funds. This Adventurous portfolio is diversified across a mix of equities, fixed income and cash.

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Factsheet

Factsheet

Sustainable World – Adventurous Plus

The strategy is comprised of specialist, actively managed and passive tracker funds. This Adventurous Plus portfolio is diversified across a mix of equities, fixed income and cash.

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Factsheet

Factsheet

Sustainable World – All Equity

The strategy is comprised of specialist, actively managed and passive tracker funds. This All Equity portfolio is diversified across a mix of equities and cash.

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Factsheet

Factsheet

Blended World – Cautious

This portfolio maintains a bias towards lower volatility investments with equity holdings limited to 50%. It focuses on capital protection with a moderate participation in equity market growth, and aims to reduce investment risk by diversifying across regions and asset classes.

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Factsheet

Factsheet

Blended World – Cautious Plus

This portfolio maintains a bias towards lower volatility investments with equity holdings limited to 60%. It focuses on capital protection with a moderate participation in equity market growth, and aims to reduce investment risk by diversifying across regions and asset classes.

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Factsheet

Factsheet

Blended World – Balanced

This portfolio has a range of investments with different risks, where equity holdings are limited to 70%. It aims to reduce investment risk by diversifying across regions and asset classes, and achieve a balance of capital protection and participation in equity market growth.

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Factsheet

Factsheet

Blended World – Balanced Plus

This portfolio has a range of investments with different risks, where equity holdings are limited to 80%. It aims to reduce investment risk by diversifying across regions and asset classes, and achieve a balance of capital protection and participation in equity market growth.

Download
Factsheet

Factsheet

Blended World – Adventurous

This portfolio maintains a bias towards higher volatility investments, with up to 90% invested in equity funds. It aims to diversify risk by investing across regions, and enhance returns through its asset allocation strategy and fund selections.

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Factsheet

Factsheet

Blended World – Adventurous Plus

This portfolio maintains a bias towards higher volatility investments, with up to 95% invested in equity funds. It aims to diversify risk by investing across regions, and enhance returns through its asset allocation strategy and fund selections. 

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Factsheet

Factsheet

Blended World – All Equity

This portfolio is designed for the most adventurous risk profile, with up to 100% invested in equity funds. It is unconstrained by selection criteria within the universe of available equity funds, and can make concentrated investments, use sector specific funds, and invest in any geographic region. As a high risk portfolio, its performance is expected to be volatile.

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Factsheet

Factsheet

Future Leaders – Cautious

This portfolio maintains a bias towards lower volatility investments with equity holdings limited to 50%. It focuses on capital protection with a moderate participation in equity market growth, and aims to reduce investment risk by diversifying across regions and asset classes.

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Factsheet

Factsheet

Future Leaders – Cautious Plus

This portfolio maintains a bias towards lower volatility investments with equity holdings limited to 60%. It focuses on capital protection with a moderate participation in equity market growth, and aims to reduce investment risk by diversifying across regions and asset classes.

Download
Factsheet

Factsheet

Future Leaders – Balanced

This portfolio has a range of investments with different risks, where equity holdings are limited to 70%. It aims to reduce investment risk by diversifying across regions and asset classes, and achieve a balance of capital protection and participation in equity market growth.

Download
Factsheet

Factsheet

Future Leaders – Balanced Plus

This portfolio has a range of investments with different risks, where equity holdings are limited to 80%. It aims to reduce investment risk by diversifying across regions and asset classes, and achieve a balance of capital protection and participation in equity market growth.

Download
Factsheet

Factsheet

Future Leaders – Adventurous

This portfolio maintains a bias towards higher volatility investments, with up to 90% invested in equity funds. It aims to diversify risk by investing across regions, and enhance returns through its asset allocation strategy and fund selections.

Download
Factsheet

Factsheet

Future Leaders – Adventurous Plus

This portfolio maintains a bias towards higher volatility investments, with up to 95% invested in equity funds. It aims to diversify risk by investing across regions, and enhance returns through its asset allocation strategy and fund selections.

Download
Factsheet

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