News

You may or may not be aware that all workplace pension schemes (WPS) are required to have a default investment fund which all scheme members are initially opted into. Do you know where your pension is invested and is it in the best fund for you? Many people think of...

Firstly, we would like to start by wishing you all a Happy New Year and a prosperous 2024. In addition to your roast potatoes and presents last month, Santa also sprinkled his Christmas joy onto stock markets in December. With the exception of Japan, which was only...

If you have yet to make full use of your end of tax year allowances for 2023/24, there is still time to do so - but the deadline is looming. For current clients, your adviser can make any contributions you require in line with your current investments, however, we...

​How much you can earn before paying Capital Gains Tax recently changed in April 2023 when the government cut the threshold from £12,300 to £6,000. The allowance will then be cut again to £3,000 in April 2024, therefore reducing the amount of capital gains you can...

It is pleasing to start our November market commentary by stating that both Equities and Bonds rallied throughout the month. Slowing global inflation on both sides of the Atlantic strengthened market sentiment that we may have now reached peak interest rates, with...

The Chancellor used his 2023 Autumn Statement to “make work pay” and “go for growth”. Whilst widely rumoured, there were no changes to Income Tax thresholds or Inheritance Tax changes. However, following a gloomy political and economic backdrop there have been some...

Throughout 2023, financial markets have been focused heavily on how the various economies will land in terms of the widely expected recessions. Will they land “softly” or “hard”, meaning either a shallower or deeper recession? However, the year-to-date would suggest...

The Great Wealth transfer will see more wealth passed on to future generations than ever before, and we are already seeing this start to take place with our clients. But how prepared is the future generation – facing the cost-of-living crisis as well as record debt...

Integrity365 Limited is delighted to announce the acquisition of Inverness and Arbroath based, MacDonald Partnership, and welcome their highly experienced Scotland based Independent Financial Advisers and support staff to the team. Established in Inverness in 1978 by...

Following a difficult year in 2022, where investors struggled to see portfolio gains, 2023 has already provided some opportunities to investors. Whilst the initial strength in financial markets so far this year has been rocked by the recent collapse of two US banks,...