Cryptoassets are not regulated financial products so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors. As a non-traditional asset, you might overlook paying tax associated with crypto activities. Doing so could leave you with an unexpected bill and a potential HMRC fine, so it’s important to be aware of what tax you might be liable for. As crypto becomes more common, regulations around these assets are changing and could affect you in the future. Keeping an eye on the changes could help you avoid surprises. Tax rules for cryptoassets are complex, and you might... Read More

Next year, a significant change to how pensions are treated when calculating Inheritance Tax (IHT) could mean more families become liable for the tax. Here’s what you need to know to understand if your estate could be affected and how you might mitigate a potential bill. Currently, pensions are usually outside your estate for IHT purposes. As a result, your pension might provide a tax-efficient way to pass on wealth to your loved ones. This will change on 6 April 2027, when most unused pension funds and pension death benefits will be included in IHT calculations. According to HMRC (25 November 2025), the changes mean around 10,500 estates will become liable for IHT where previously they would not have been.... Read More

Investing money can feel daunting because you can’t be sure what your returns will be or whether you’ll suffer a loss. While you can’t eliminate uncertainty from investing, there may be things you can do to overcome the fear of the unknown if it’s affecting your financial decisions. According to an article from Financial Planning Today (4 February 2026), uncertainty is pushing people away from investing. Indeed, 23% of Brits are more likely to choose a cash account over an investment account than they were previously, due to political and economic uncertainty. The majority (83%) of Brits said the world feels more uncertain than it did a few years ago. Over the last few years, headlines have been dominated by... Read More

Phones are incredibly practical tools, letting you stay in touch with your loved ones, watch videos, and even track your fitness, all from a device that fits in your pocket. Your phone might be integrated into every aspect of your daily life, helping you manage your days. However, while they are useful, phone use can slip into addiction. You might notice you constantly scroll through social media or check apps more than you realise, even when it’s getting in the way of other goals. The Guardian reports that UK adults spend an average of 7.5 hours a day looking at screens, with 3.5 hours on mobiles. Phones have overtaken TVs as the main way we consume media. Understanding how this... Read More

Cryptoassets are not regulated financial products so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors. Cryptocurrency has become a common investment for people in recent years. Indeed, more people are choosing to invest in digital currencies such as Bitcoin and Ethereum. The Financial Conduct Authority (16 December 2025) reports that roughly 8% of the UK’s population were cryptoasset owners in 2025. However, with this rise in crypto interest comes more risk. Scammers have been developing increasingly sophisticated ways to exploit a lack of familiarity with how cryptocurrencies work. According to the Guardian (24 October... Read More