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Insight Financial Associates

Christmas Shopping

4 savvy tips when Christmas shopping

Christmas seems to come round earlier and earlier each year. Retailers start tempting ‘early gifters’ as soon as the Back to School stock has disappeared. And competitive Christmas light displays begin appearing in some neighbourhoods from as early as November.  While this may run the risk of detracting from the main event, some preparation is …

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Small Business

Sole trader vs limited company?

When people are setting up a business, one of the first questions they have to grapple with is what legal structure they are going to trade under – sole trader, limited company or partnership. If you’re one of our clients, you will already have made this decision but we thought it would be useful to …

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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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