With interest rates now the highest they’ve been since the Global Financial Crisis (GFC), are Premium Bonds still worth it? The answer depends on who you ask. With Premium Bonds, it has long been considered that there is no risk to your capital, it is only the ‘interest’ element that is a gamble. And as…
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However, these HMRC estimates were based on Office for Budget Responsibility (OBR) estimates for wage growth from March 2021, which have since changed significantly. Parliament has also frozen current long term tax thresholds, as well as ever-increasing inflation appearing on the scene. HMRC’s estimated number of higher rate taxpayers was based on a 0.9% growth…
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Stock prices started the month strongly thanks to good early results from COVID-19 vaccine trials, better-than-expected employment reports, and higher-than-anticipated manufacturing activity. In the US, despite multiple States reporting increased COVID infections, stocks continued to climb, especially in large technology. American indices are now back in positive territory for the current year. These behemoth companies,…
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Behavioural finance is the study of how human behaviour, driven by emotions and sentiment as much as rational decision-making, affects how we act in relation to our investments and financial decisions. Whilst there is clearly underlying rationality to financial markets and how assets are priced, the human element must be considered as part of this…
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Whether you were a Brexiteer or Remainer, we can all agree that the Brexit ordeal has been as confusing as it has been arduous. Even the most diligent of us have found it difficult to keep pace with the twists and turns of the negotiations; with an ever-changing cast of politicians and tabloid rhetoric only…
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