Things to avoid when investing

Posted by Rebecca Harbrow on Monday 10th January 2022

Things to avoid when investingTo keep your investments from losing value or slowing the growth of your assets, avoid these common investing mistakes.

There are more risks and opportunities than ever for investors to navigate in today’s rapidly evolving markets. Here are four approaches we believe every investor should follow.

Don’t pile into cash – stay invested
The biggest advantage of cash is that it offers relative safety. Cash can help diversify a portfolio during times of volatility and is easy to access in an emergency. With cash, you’ll be paid interest on the ...


Graduate Podcast

Posted by Rebecca Harbrow on Monday 20th December 2021

Host Aimee Lungutescu, is joined by Penny Group’s Sanjay Assarpota, Cavendish Brooke’s Jack Spiers and Blue Heron’s Rebecca Harbrow. The group discuss what it takes to build a successful career in financial advice – including building and maintaining a client bank, as well as tips for young advisers in the early stages of their career.

Listen to the podcast here


Be wary of the crypto-craze

Posted by Rebecca Harbrow on Monday 6th December 2021

 

You might be thinking about whether to invest in crypto currencies. We explain why it may not be the right choice, and how to better approach your portfolio.

This year has been eventful for bitcoin, with the cryptocurrency reaching a record high and then almost halving in value all in the space of six weeks. The walk-back in May from Tesla’s Elon Musk in his support of bitcoin underlined concerns around the idea of cryptocurrencies as a stable investment. Musk – previously an outspoken supporter – announced his company would not be accep...


Get the best out of your BTL mortgage

Posted by Rebecca Harbrow on Tuesday 30th November 2021


Many fixed mortgage deals will be approaching the end of their term this October, so it’s a good idea to review your buy-to-let mortgage.

With interest rates still at low levels and demand for rental properties increasing around the country, investing in a buy-to-let (BTL) is a popular choice for many.

Buy to let basics

A BTL mortgage is a specific type of product for those who want to buy a property with the intention of renting it. Because of this, there are different terms and rules around a BTL mortgage (compared to a regular mortga...


Autumn Budget Review

Posted by Rebecca Harbrow on Thursday 4th November 2021

IBudget Review (4).pngn Chancellor Rishi Sunak’s second financial statement this year, there were few surprises as he looks to fix the economy following the pandemic.

With inflation climbing and interest rate rises on the horizon, Britain is at a critical period in terms of its economic future. Multiple lockdowns caused the UK economy to slump by 10% while the government spent more than £100 billion supporting jobs.

Now the economy is recovering the chancellor is under increasing pressure to balance the books and claw back money spent on fighting the Covid cri...


How to make ISAs work for you

Posted by Rebecca Harbrow on Friday 15th October 2021

Make the most of your tax allowances by using the different types of ISAs that are available.

ISA's

Individual Savings Accounts (ISAs) were first introduced in 1999 and are a tax-free way to save into a cash savings or investment account. There are lots of different types of ISA available, but the right one for you will depend on your financial goals. We explain how they work so you can choose the one that is best for you.

Cash ISA
A cash ISA works in the same way as a traditional savings account but you won’t have to pay tax on any of the inte...


Should we be concerned about rising inflation?

Posted by Rebecca Harbrow on Wednesday 6th October 2021

Most economists expect inflation to pick up over the next few months as lockdown restrictions ease and shops and restaurants reopen. But is this a cause for concern?

As lockdown measures begin to lift, financial markets are making their adjustments in anticipation of a rise in inflation, with bond yields picking up (meaning prices have fallen) and stock markets rotating from defensive sectors into cyclicals.

What is inflation?
Put simply, inflation measures the change in the prices of goods and services. If it rises then it takes more of ou...


How to make the most of your lockdown savings

Posted by Rebecca Harbrow on Wednesday 15th September 2021

Lockdown Image.png

 

The pandemic has reportedly created 6 million accidental savers, but what’s the best way to use this extra cash?

The effect of the lockdown on millions of bank accounts has been to boost savings for people whose incomes have remained the same but whose spending has dropped.

With the prospect of life returning to a new normal, it’s a chance to think about how to make the most of these savings and build on them too.

Where were savings made?
Working from home meant the cost of commuting was put on hold. Holidays were not booked, and the ...


Planning for Inheritance Tax

Posted by Rebecca Harbrow on Monday 23rd August 2021

Following the news that thousands more people are expected to pay the standard 40% inheritance tax this year because of the effects of the pandemic, we explore some of the ways to navigate the complexities of inheritance tax.

The complex laws around inheritance tax (IHT) caught many people off guard during the Covid-19 pandemic. Along with the often-sudden loss of a loved one came the issues arising from IHT on gifts passed down to children and grandchildren.

This tax year marks the latest in a series where the number of people being cha...


How to make the most of your lockdown savings

Posted by Rebecca Harbrow on Thursday 17th June 2021

Blue HeronThe pandemic has reportedly created 6 million accidental savers, but what’s the best way to use this extra cash?

The effect of the lockdown on millions of bank accounts has been to boost savings for people whose incomes have remained the same but whose spending has dropped.

With the prospect of life returning to a new normal, it’s a chance to think about how to make the most of these savings and build on them too.

 Where were savings made?

Working from home meant the cost of commuting was put on hold. Holidays were not booked, and the cl...