An end to the Bank of Mum and Dad? More than one in ten retirees cutting back on gifting
According to Quilter research, gifting can reduce IHT, but errors can erase benefits. A common pitfall is the ‘gift with reservation of benefit’ – where you give something away but keep using. Make sure to keep detailed records and plan carefully.
Brits missing out on important money conversations
A recent survey shows Brits are more likely to discuss politics (50%) than finances (29%) at the dinner table. Gen Z (42%) and Millennials (37%) talk money more than older generations. With Talk Money Week 2025 (3–6 Nov) coming up, it’s the perfect reminder to pause and review your finances.
Avoiding pitfalls when passing on wealth
With pensions entering the IHT net from 2027, now is the time to review your plans. Small gifts, annual allowances, and PETs can reduce Inheritance Tax—but careful planning and record-keeping are essential.
Pension access age to rise in 2028
From 6 April 2028, the normal minimum pension age rises from 55 to 57, affecting those born on or after 6 April 1973. Early access to #pension funds will be limited to ensure retirees have sufficient resources in later life.
Consolidate to solve the pension patchwork puzzle
Do you know where all your pensions are? Across the UK, an estimated 3.3 million unclaimed pension pots worth £31.1bn are sitting unmanaged.
Budget outlook – preparing for change
Tax changes could feature in the Autumn Budget, potentially impacting pensions, IHT, savings and investments.
Take stock, strengthen your finances this autumn
Autumn is a natural time to review your finances. Check pensions, savings and investments to ensure plans match your goals. Building short-term resilience and strengthening long-term security can help you feel confident about your financial future.
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.
