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Insight Financial Associates

Chancellors Spending Review

Spelling out the Chancellor’s Spending Review

Introduction On Wednesday, November 25th Chancellor Rishi Sunak delivered his Spending Review for next year to the House of Commons. In the absence of an Autumn Budget, the statement to the Commons set out the Government’s spending commitments for 2021/22. The Chancellor had announced some time ago that there would not be a formal Budget …

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Brexit

How Brexit may affect the Stock Exchanges

As the UK is set to depart from the frameworks of the EU, there is concern amidst London’s biggest share trading venues surrounding the topic of where they may be able to buy and sell European stocks and where they may not. The Dilemma In order for trading to continue as normal, the EU would …

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First Time Buyers

What will 95% mortgages mean for potential first time buyers?

At the virtual Conservative Party Conference on 6th October, Prime Minister Boris Johnson gestured towards a plan in the pipeline to introduce 95% Loan To Value mortgages in an attempt to reinvigorate home ownership and in his words, “help turn generation rent, into generation buy.” While the details of this plan remain unclear, the PM …

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Financial Market

Market Commentary November 2020

Introduction The end of October brought plenty of bad news for Western economies as scientists stood in front of graphs and talked of ‘inexorable rises’ and ‘exponential increases.’ Unsurprisingly, stock markets duly took note. We report on 12 major stock markets and only two, India and Hong Kong, were up in October, with all the …

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National Parks

Britain’s stunning National Parks you might not have visited

Considering how small and densely populated the UK is, we are blessed with some amazing natural beauty. There are 15 national parks in total: 10 in England, three in Wales and two in Scotland. Each national park has its own distinct beauty and character, drawing visitors from around the globe. From the Cairngorms’ rugged mountains …

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Pension Age Rise

Minimum age for pensions freedoms rises to 57

The government has confirmed that the minimum age for drawing a personal pension is to rise to 57 in 2028. Savers who pay into a personal pension either directly or through their workplace can currently access their money at 55. However, the government plans to raise the age as a result of increased life expectancy. …

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Financial Advice

The changing face of financial advice

This article discusses how financial advisers across the nation have adapted to continue to deliver a valuable service at a period of upheaval which hasn’t been seen since the Second World War. Covid-19 has completely changed the way financial planners deliver advice. At the drop of a hat, the industry had to embrace years’ worth …

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Financial Market

Market Commentary October 2020

Introduction  September was a difficult month for world stock markets. It was one of those rare months when none of the markets we report on managed to gain any ground as fears of a second wave of the Covid-19 pandemic sparked a global sell-off in shares. It was also another month of bickering as tensions …

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The Chancellor’s Winter Economic Plan

The Chancellor’s Winter Economic Plan

In December 2019, the Conservatives won an 80 seat majority in the General Election and three months later, new Chancellor Rishi Sunak presented his first Budget. But by then there was a large cloud on the horizon – the outbreak of Covid-19. The Chancellor used his Budget speech in March to present a raft of …

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