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Insight Financial Associates

Why its important to have a will

Why it’s important to have a will

If you haven’t got a will, you don’t have control over what happens to your money and assets after you die. That means your wealth may not go to your chosen beneficiaries, and could cause lots of lengthy and costly legal issues for the loved ones you leave behind. Here are our top reasons why …

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Should I Consolidate My Pensions

Should I Consolidate My Pensions?

If, like many people, you’ve had several jobs throughout your working life, you’ll have picked up multiple workplace pensions. But these can be hard to keep track of, both in terms of how much you’re paying for them and how well they’re doing, so you might be thinking of consolidating your pensions into just one …

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Equity Release

Is Equity Release a Good Idea?

Early last month, City AM had a dramatic headline: ‘Cash-strapped homeowners turn their properties into personal cash machines.’ They reported that equity release was ‘booming’, with homeowners releasing a total of £4.8bn from their homes in 2021. Ten years previously, the amount released was just £790m with only two years out of the ten – …

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Is Cash too Safe

Is cash too safe?

One of the great themes of the past 16 months has been accidental savings: the amount people in the UK have “saved” by the simple expedient of not being able to go out and spend.  “Thrifty Brits stash the cash in lockdown” has been a typical headline, quickly followed by an estimate of how much …

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Negative Interest Rates

Could we see Negative Interest Rates in the UK?

In February, the Daily Telegraph had a headline which must have alarmed savers up and down the land: ‘Savers face threat of negative interest rates.’  According to the story, the Bank of England had told the clearing banks that they ‘must be ready to introduce the policy in the next six months.’ What are negative …

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