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Insight Financial Associates

Staying Young

What’s in a number? Is 70 the new 65?

When do you become classed as elderly? Or are you as simply as old as you feel? Research from the Office for National Statistics has revealed that although 65 has traditionally heralded the beginning of old age, 70 is now a more accurate figure. 65 used to be seen as the gateway to old age …

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Financial Market

December Market Commentary

The beginning of November saw the World Trade Organisation authorise China to put $3.6bn (£2.8bn) of tariffs on US goods. The following week it was reported that a potential trade deal between the two countries could see tariffs ‘rolled back’. However by the middle of November Donald Trump was threatening to increase tariffs further still …

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50p investment

Why the humble 50p could be worth investigating

The 50p has been in circulation for over fifty years. It was the world’s first seven-sided coin and was introduced to replace the ten shilling note. The humble 50p was no stranger to controversy upon its entry into the pockets of the population, with one headline, back in the 60s, referring to it as ‘a …

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Ethical Investing

The impact of climate change fears on ethical investing

As pressure mounts on governments and financial institutions to do more to combat climate change, the demand for ethical investment opportunities is on the rise. Triodos Bank’s annual impact investing survey has found that nearly half (45%) of investors say that they would be keen to move their money to an ethical fund as a …

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November Market Commentary

November Market Commentary

The beginning of October brought us the Conservative Party conference and a plethora of promises and fiery speeches. Meanwhile world stock markets were tumbling on fears of a global sell-off and the US/Europe tariff war joining the US/China dispute. By the middle of the month President Trump declared himself ‘optimistic’ about trade talks with China.  …

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The retirement mistruth

The retirement mistruth

If you pay much attention to the media and advertisers, you may think that retirement is all about riding jet skis, sipping sherry on the French riviera or cuddling grandchildren. No doubt you’ve seen one, if not all, of the images on many of the retirement articles out there. Though those sorts of activities are …

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The Help to Buy ISA deadline is looming

The Help to Buy ISA deadline is looming

After 30th November 2019, potential first-time buyers will no longer be able to apply for a new Help to Buy ISA.  Savers who already have an account will be able to keep saving into it until 30th November 2029, regardless of when the ISA was opened, but accounts will close to additional contributions after that …

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Financial lessons for parents of students

Financial lessons for parents of students

If you’ve got a son or daughter at college or university, you could have some stark financial lessons ahead. Getting the grades may have dominated the household up to now but budgeting for their life as a student can require just as much focus.  Tuition fees and student loans are usually top of the agenda. …

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Financial Market October 2019

Market Commentary October 2019

Introduction  What goes down immediately comes back up? If only saving and investing were that simple… That’s what happened in September. In August, we reported that almost all the major markets we cover in this Commentary had fallen. The good news last month was that almost all the markets went back up. There were no …

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