Jason Hollands

Will Boris Johnson be a tonic for your personal finances?

Not only do we have a new prime minister in Boris Johnson but, after a brutal overhaul of the Cabinet, a new government that is very different to the last one.

A picture is emerging of a government steadfastly committed to taking the UK out of the EU by the 31 October – deal or no deal – and resolved to putting prudence and deficit reduction on hold, and loosening the fiscal purse strings instead, with big pledges made on spending.

Is it time to add some ‘value’ funds to your portfolio?

There are many different approaches that can be taken to investing in equity markets and the truth is that these will work well, or less well, over particular periods of time depending on the prevailing market environment. Sadly, there is no panacea to investing that will always be ahead of the game.

As tax year end looms, should you prioritise pensions or Isas?

With the end of the 2018-19 tax year approaching, time is running out for people to make the most of the various tax allowances available to them before midnight on 5 April.

One of the biggest conundrums savers face is whether to prioritise Isas or pensions as a home for their long-term investments.

Don’t opt for a ‘no deal’ on your 2018-19 Isa allowance

What a week it has been for drama in UK politics with the Brexit Withdrawal Agreement rejected again and Parliament voting to rule out the possibility of leaving the European Union without a deal.

Political uncertainties have undoubtedly had a corrosive effect on investor sentiment, a fact borne out by a very prolonged pattern of net outflows from both UK and European equity funds.

Black Friday-like deals on offer for long-term investors

In most areas of economic activity, people can’t resist a bargain and Black Friday has become an important day for retailers and a chance for the public to scoop up some deals  before Christmas. One area that often seems impervious to the allure of steep price cuts is the world of investments. In fact, investors often do the opposite of what they do when confronted with a discount on the cost of a new coat or television.

Budget a ‘missed opportunity‘ on IHT

Besides bringing forward the schedule for increases in both the personal allowance and the threshold for higher-rate tax by a year, as well as the extension of stamp duty relief for first-time buyers in qualifying shared ownership properties, from a personal finance perspective, yesterday’s Budget statement from chancellor Philip Hammond was about as exciting as watching paint dry.

Is the Golden Age for pension tax reliefs finally set to end?

Over the last few years, we have periodically warned that the future availability of tax relief on pension contributions at the higher and additional rates of income tax is in doubt and suggested that those able to benefit from the current generous arrangements should make use of them while they can.