Your relationship with risk: time to reassess?
It’s natural for your appetite for risk to change. it’s important to distinguish between risk tolerance (how much risk feels comfortable) and risk capacity (how much risk you can afford based on your goals and circumstances). Good advice balances both.
Economic Review – September 2025
UK data highlight persistent pressures – inflation stuck at 3.8% (largely due to food costs), GDP slowed to 0.2%, payrolls fell, with wage growth at 4.8%, while retail sales rose in August but sentiment weakened.
Young mortgage holders play a risky protection game
Three in ten homeowners aged between 18-34 lack protection cover, but 57% would be in financial difficulty within six months if they lost their income. Protection such as life insurance, critical illness and income protection offers vital security.
Young investors lead the charge
UK investors are increasingly optimistic, with younger wealth-builders seeming particularly confident. 87% of 25 to 34-year-olds expressed confidence in investing, meanwhile 54% of this group are actively investing. This shift marks a generational pivot toward long-term wealth creation.
Residential Property Review – September 2025
The UK housing market faces uncertainty ahead of the Autumn Budget, with potential tax changes impacting activity. Mortgage rates eased but could rise again. Sales fall-throughs remain high, while affordability continues to shape buyer hotspots across London.
Commercial Property Market Review – September 2025
The commercial property market saw lower turnover but bigger deal sizes in early 2025. Outlook for H2 is strong with potential rate cuts boosting investor confidence, though London’s construction pipeline faces challenges despite some support from government-backed projects.
Which ‘megatrends’ will dominate in 2025 – and beyond?
Megatrends such as AI, energy demand, geopolitical conflict, and ageing populations are reshaping economies and investments—presenting long-term opportunities despite short-term market fluctuations. These powerful forces will drive major global changes in 2025 and beyond.
Navigating uncertain times
It’s a challenging time for the economy, but emotional investing can be costly. Stay focused on long-term goals, avoid panic selling, and stick to a disciplined plan. A steady strategy—and trusted advice—can be your strongest asset amidst uncertainty.
An introduction to Long-term Care
With the UK’s ageing population and rising care costs, early planning for long-term care is vital. Government support depends on location and finances, and additional NHS or benefit funding may help. Understanding your options can protect your future and assets.
An introduction to investing
Building a suitable investment strategy helps to make your money work harder and as tax efficiently as possible. The stock market tends to outperform cash over the longer-term, providing an opportunity for greater returns.
