Investment market update: April 2022
The conflict in Ukraine is continuing to affect markets and economies around the world. According to a report from the Kiel Institute of the World Economy, the war led to......
07 April, 2015 / No comment
News & Views
Financial News Hints and Tips
The 10 incredible cities you should visit this year according to Lonely Planet
For many people, travelling abroad has been put on hold for the last two years. As pandemic restrictions continue to lift around the world, you may be planning a city......
07 April, 2015 / No comment
The Platinum Jubilee: From shillings to contactless payments in 70 years
This summer the Queen will celebrate an incredible 70 years on the throne. Since her reign began in 1952, the world has changed a lot – who in the 1950s......
07 April, 2015 / No comment
8 essential finance lessons you should teach teenagers as 72% say they want more financial education
Gaps in financial education are leaving many teenagers unprepared for managing their money and becoming independent. The good news is that they’re keen to learn and recognise how important getting......
07 April, 2015 / No comment
80% of over-55s don’t have a Lasting Power of Attorney in place. Overlooking this could place you in a vulnerable position
Do you have a Lasting Power of Attorney (LPA) in place? If you don’t, it could leave you in a vulnerable position if you’re unable to make decisions for yourself,......
07 April, 2015 / No comment
4 valuable pension lessons younger generations can learn from the regrets of the over-50s
Those nearing retirement have plenty of lessons to teach younger generations. A survey asking over-50s how they feel about their pension and retirement plans has highlighted some regrets workers could......
07 April, 2015 / No comment
Investment market update: October 2021
The International Monetary Fund (IMF) has warned that the world economy remains “hobbled” by Covid-19 and revised its global growth forecast for this year downwards. The organisation now expects the......
07 April, 2015 / No comment
7 of the best board games to play with your family this winter
As the nights draw in, a game night is a great way to spend time with family. If you’re looking for some board games to add to your collection, these......
07 April, 2015 / No comment
Community and space are key reasons for over-55s not downsizing their homes
More over-55s are choosing not to downsize their homes. The sense of community they enjoy in their current home and the space it affords them means the next generation of......
07 April, 2015 / No comment
Dividend Tax rate rise: Could it affect you?
Dividend Tax rates are set to rise, and it could affect the amount of tax you pay. The chancellor announced a hike in Dividend Tax rates, along with the introduction......
07 April, 2015 / No comment
Why you need to understand your State Pension entitlement
Your State Pension may only make up a relatively small portion of your retirement income, but it’s an important part of it, and so it’s crucial you understand your entitlement.......
07 April, 2015 / No comment
How much does your partner have in their pension? 78% of married people have no idea
Retirement planning as a couple can be difficult. You may have very different ideas about when you want to retire and how you want to spend your time. While it’s......
07 April, 2015 / No comment
Investment market update: July 2021
The pandemic recovery continues to pick up pace in economies around the world. However, there are still reasons to be cautious and signs suggest the pace of growth is beginning......
07 April, 2015 / No comment
10 fantastic books to read with children this Read a Book Day
Read a Book Day on 6 September offers the perfect opportunity to curl up with a book and escape, whether with a comforting favourite or a new adventure. It’s also......
07 April, 2015 / No comment
City of Culture: The 2025 bids and why they’re worth a visit
If you’re looking for a new place to visit in the UK, the City of Culture designation could help you find a new urban place to explore. The current host......
07 April, 2015 / No comment
The millennial generation and wealth transfer paves the way for ESG investing boom
While ESG (environmental, social, and governance) investing is growing across all investor segments, it’s the millennial generation that’s leading the trend. A huge wealth transfer in the upcoming decades could......
07 April, 2015 / No comment
How financial planning can help you strike a better work-life balance
Financial planning is about much more than simply growing your wealth. Not only can it reduce financial worry, but it can help you achieve long-term goals, reduce stress levels, and......
07 April, 2015 / No comment
Should you take a tax-free lump sum from your pension to celebrate retirement in style?
What are your plans for your first few years of retirement? Being able to take a tax-free lump sum from your pension can open up a whole host of possibilities.......
07 April, 2015 / No comment
Investment market update: April 2021
After a year of lockdowns and restrictions, evidence suggests economies around the world are now on the path to recovery, although uncertainty and challenges remain. The International Monetary Fund (IMF)......
07 April, 2015 / No comment
World Environment Day: Why restoring ecosystems is important
Since 1974, World Environment Day has been celebrated annually on 5 June. It aims to engage governments, businesses, and people to address pressing environmental issues. This year, the theme is......
07 April, 2015 / No comment
ESG investing: Employee pay becomes a key issue with a third of investors willing to divest
Pay is becoming an important topic for investors, research suggests. In fact, 83% of savers said they expect the companies they invest in through their pension to pay the “living......
07 April, 2015 / No comment
Why you need to review your will if you’re gifting to loved ones now
Are you thinking about gifting during your lifetime? Traditionally, you’d pass on wealth to family and friends through an inheritance, but many people are finding that doesn’t fit in with......
07 April, 2015 / No comment
Money mindset: Shaking up how you think about finances could boost wellbeing
Money has a huge impact on our wellbeing. Whether we have “enough” is often the focus when facing money challenges, but a new report suggests that our mindset and relationship......
07 April, 2015 / No comment
How inflation can reduce your pension and what you can do about it
When you think of risks to your retirement, do you include inflation? It can have a huge impact on your income throughout retirement. Yet, it’s often overlooked when creating a......
07 April, 2015 / No comment
Budget 2021 – The winners and losers
A year ago, Rishi Sunak delivered his first Budget just as the pandemic began to take hold. While his £30 billion package sounded significant, it’s a sum that has paled......
07 April, 2015 / No comment
Your 2021 Budget summary
On Wednesday 3 March, Rishi Sunak delivered his second Budget as chancellor. The Budget outlines the state of the economy and the government’s spending plans. The World Health Organization declared......
07 April, 2015 / No comment
5 places you can find online courses perfect for improving skills and professional development
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07 April, 2015 / No comment
The 2021 health trends you should try
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07 April, 2015 / No comment
43% of savers and investors don’t know where to find advice
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07 April, 2015 / No comment
2 top reasons why you shouldn’t just follow exciting investment fads
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07 April, 2015 / No comment
Thousands will run out of money in retirement, will you?
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07 April, 2015 / No comment
6 tax allowances to use before 5 April 2021 to boost your finances
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07 April, 2015 / No comment
The 2020/21 end of the tax year guide
The current tax year will end on 5 April 2021, a date when many allowances and tax breaks will reset. In some cases, it will be your last chance to......
07 April, 2015 / No comment
Inheritance Tax and gifting guide
If your estate could be liable for Inheritance Tax (IHT), gifting is one solution for passing on wealth while reducing the bill that could be appropriate for you. Our latest......
07 April, 2015 / No comment
The best National Trust gardens for a winter walk
The days are getting darker and chillier and you may have plans to stay inside where it’s cosy. But getting out and about can boost your mood, plus frost and......
07 April, 2015 / No comment
The tech that could transform your home this decade
When you think of your childhood home, what technology did it boast? While we don’t think too much about how homes change from year to year, tech and gadgets do......
07 April, 2015 / No comment
Why financial lessons are important for children and teens
Financial education in childhood is crucial. Attitudes and habits formed in our tentative years can have an impact in adulthood. Passing on your financial knowledge and the lessons you’ve learnt......
07 April, 2015 / No comment
Making ESG part of your pension investments
Taking ESG (environmental, social and governance) factors into consideration when investing is becoming more mainstream. However, many investors that want to make ESG part of their strategy are overlooking their......
07 April, 2015 / No comment
Balancing investment risk and reward: What should you consider?
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07 April, 2015 / No comment
Underestimating the amount you need in retirement: How a mid-life check can help
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07 April, 2015 / No comment
Investment and inflation risk – what does it mean?
We’ve seen some turbulent markets this year, with the repercussions of COVID having a significant impact. Generally speaking, markets have partially recovered but remain extremely volatile....
19 September, 2020 / No comment
Investment Review – Quarter 2 2020
Following the significant falls in global equity markets during the majority of the first quarter, the rally seen towards the end of March continued into the second quarter, leading to a significant rebound overall, albeit with continued heightened volatility. ...
27 August, 2020 / No comment
Should I use my pension to pay off my mortgage?
A common question from people who have reached age 55 and can therefore access their pensions is, should they use the tax-free lump sum to pay down their mortgage. ...
19 August, 2020 / No comment
Why has my property fund investment been suspended and how does this impact on me?
Due to the impact of coronavirus, the managers of property funds can’t be sure how the value of the properties owned by them have changed and until they have more certainty, they are required to suspend the trading in units....
23 March, 2020 / No comment
Coronavirus is causing economic havoc, should I be scared?
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07 April, 2015 / No comment
Apprentice Jonathan 3 Months On
The time has flown by and I have been at Pentins for almost 3 months now. I am enjoying the routine and structure of the 9 to 5 day and have been busy doing a variety of tasks and getting familiar with how things work around here. ...
16 October, 2019 / No comment
Shall I Drive
I meet people with varying amounts of time pressure, different attitudes to control and various level of interest and experience when it comes to financial stuff. If I ask a question, I get different answers....
15 October, 2019 / 1 Comment
Jonathan Solley Joins the Teams at Pentins
I’m Jonathan Solley and I joined Pentins Financial Planners as a financial administrator this month. When I left University, I wanted a career in a profession that would give me an opportunity to add value to people’s lives...
11 September, 2019 / No comment
Sharing the returns on Buy-To-Let with the tax man.
Following on from our recent blog on gearing up to purchase property, we thought it would be a good idea to briefly talk about the recent changes to the taxation of buy-to-let (BTL) residential property....
03 September, 2019 / No comment
Get rich slowly
You can get rich slowly without much risk of losing money if you have the capital to invest initially, a well-diversified portfolio of real assets and patience. Alternatively, you get gradually poorer. ...
21 August, 2019 / No comment
5 Tips for being an apprentice!
Hi guys, we’re going for something a bit different with the blog this week. It’s been nearly 7 months since I joined Pentins...
25 July, 2019 / No comment
Blog – Week Five – Holiday and back to work
Nice to speak with you all again, you can’t notice through your computer screen but I am a little bit more tanned than usual this week...
08 June, 2019 / No comment
Personal Finance Portal
Pentins Financial Planners/Women’s Wealth have invested in safe and secure communications with our clients....
01 May, 2019 / 1 Comment
Apprenticeship Blog Week Four – The benefits of Lifetime ISA’s
I’ve spent this week doing quite a lot of different things but most interestingly I have opened up my first investment product. ...
17 April, 2019 / No comment
Is your biggest financial asset protected?
If you were asked what your single biggest financial asset is, what would your response be? Your house? Your pension? ...
12 April, 2019 / No comment
Apprenticeship Blog – Week Three
Well we’re at week three, that’s a hat-trick! It’s been interesting from the off here at pentins and this week has been more off the same (in a more educational sense then previous weeks). ...
25 March, 2019 / No comment
Creating your Master Plan
Money is just a means to an end. We need money to in order to live the life we want. Financial Planning is about getting the money organised to deliver the dreams by creating your personal Master Plan....
28 February, 2019 / No comment
Apprenticeship Blog – Week Two
So after my first week at Pentins I have definitely begun to settle in. I was enjoying the 9-5 office life a lot more than my previous job...
27 February, 2019 / 1 Comment
Why buying property is twice as good as any other investment.
Did you know that having a mortgage means you have a geared investment? If you have £100,000 pounds to put down as a deposit to buy a house and you borrow the other £100,000 to acquire a £200,000 property you have a geared investment....
14 February, 2019 / No comment
Apprenticeship Blog – Week one
So I was going from 9-3 to 9-5, bring it on. No longer would I have all the freedom that a 7.5 hour supermarket contract alongside school......
14 February, 2019 / 1 Comment
Semi Illiterate teachers – does it matter when future generations of children won’t need to read and write?
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07 April, 2015 / No comment
What would you prefer £700,000 now or £23,000 per year in retirement?
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07 April, 2015 / No comment
Suffragist or Suffragette
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07 April, 2015 / No comment
Portfolio Strategies Quarterly Update for Q1 2018
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09 January, 2018 / No comment
Share the costs – model portfolios
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07 April, 2015 / No comment
Open Ended Investment Companies (OEICS)
Wrap up your OEICs – these are not nit wit youths as in oik, but quite useful investments. The spring budget March 2017 has decreased the tax free dividend allowance......
07 April, 2015 / No comment
We could lose 40% of our ISA to the tax man on death – Why not seek an “alternative” ?
The humble ISA wrapper has protected our savings and investments from tax while we have been growing our assets, but ISAs are not exempt from Inheritance Tax (IHT). That means......
07 April, 2015 / No comment
I am a bad mother with wayward children
Apparently, at the grand age of 52, I am a Generation X mother. In financial terms I am part of a credit hungry generation who has strutted its way through......
07 April, 2015 / No comment
Critical illness can strike at any time
Vitally important though it is to have ample protection for your family in the statistically unlikely but always possible event of premature death, life cover alone is not a complete......
14 April, 2015 / No comment