Life

The Junior ISA (or JISA) has captured plenty of attention in the eight years since its introduction. Understandably so, given many young people are either struggling to get a foot on the property ladder or shouldering thousands of pounds in student debt – or both. 

Do you worry that gifting money to children will be seen as lazy or thoughtless? Have you ever wondered whether the money you spend on token gifts could be doing more for the children you care about? Despite past research¹ showing that many of us worry that gifting money to children risks being seen as lazy or thoughtless, our research shows that it has become more popular – and socially acceptable – due to lockdown. But might cash be gifted in a more efficient way? If it were invested, for example.

In this series we talk to a customer and get a feel for why they’ve selected socially responsible investing (SRI). Part two is with London-based designer Holly, who feels let down by the investment industry and sees SRI as a sign of better things to come.

In this series we talk to our community of socially responsible investors and get to know their histories, values and motivations for choosing socially responsible investing (SRI). Part one is with the London-based accountant and first-time investor Josh…

Why are savings rates so low? Will they ever return to their pre-financial crisis levels? And what should I do with my money? Answers to these questions and more…

Financial planning for young adults often revolves around two big commitments – paying for higher education and buying a first home. By putting money aside each month, you could help your children with both.

Now that we’ve officially crossed into a new tax year, it’s time to put aside deadlines for a moment and… breathe. With the end of the tax year another 12 months away, now is an opportunity to take stock and refocus on your financial goals.

We’ve seen sharp falls in stock markets lately and that has caused many investors to wonder if they should change their strategy. Everyone’s situation is different, so the right answer really depends on you, but we are able to share a few examples that show the kinds of investor behaviour we’ve seen lately.

Depending on your situation, a few simple steps could have a big impact on your wealth – and the wealth of your loved  ones. Below we’ve compiled a list of nine tips to lower your tax bill, preserve your benefits and protect the people you love.  

A bonus can be a boost to your finances and allow you to make plans you’d never considered. You’ll always remember your first bonus, but as with so much in life, it’s important to take the time to think about what you do with it.

Among other characteristics that are often carelessly ascribed to the millennial generation is a tendency to be work-shy and wasteful (the latter trait apparently revealed by a penchant for buying avocado-toast). However, these (mis)characterisations obscure the fact that Brits in their 30s are actually worse off than those born a decade ago, with no improvement in living standards and falling rates of home ownership. 

We talked to Romney, chief of staff at financial technology start–up Habito, about what it takes to do something completely new in the world of mortgages. Their latest product, Habito Go, brings speed and certainty to the home-buying process by arming first time buyers with more negotiating clout. Here’s how they did it.