Investment Update - Markets reflect uncertainty over Delta variant

Posted by JSCFinancial on Friday 3rd of September 2021

Investment Update - Markets reflect uncertainty over Delta variant

The pandemic continued to unsettle global financial markets during August.

August turned into a month of highs and lows for markets, especially in Europe. There was positive news that the euro area’s economy grew by 2% in the second quarter, which was then countered by a heavy fall in share prices, with the FTSE 100 in London, Frankfurt’s Dax and the Europe Stoxx 600 all dropping more than 2%.1 Causes for concern in Europe centred on fears of a new wave of Covid-19 as...


Get to know your SVR

Posted by JSCFinancial on Thursday 19th of August 2021

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Are Gen X Prepared For Retirement?

Posted by JSCFinancial on Thursday 19th of August 2021

 

 

 

 

  


How to plan for inheritance tax

Posted by JSCFinancial on Thursday 8th of July 2021

How to plan for inheritance tax

Following the news that thousands more people are expected to pay the standard 40% inheritance tax this year because of the effects of the pandemic, we explore some of the ways to navigate the complexities of inheritance tax.

The complex laws around inheritance tax (IHT) caught many people off guard during the Covid-19 pandemic. Along with the often-sudden loss of a loved one came the issues arising from IHT on gifts passed down to children and grandchildren.

This tax year marks the latest in ...


NEW BLOG - Time to consolidate your pensions?

Posted by JSCFinancial on Thursday 8th of July 2021

Time to consolidate your pensions?

Employer pensions can accumulate as we change jobs, and it’s easy to lose track of how much each one contains. We explore what you need to know if you’re thinking about consolidating your pensions.

When you leave a job, it’s easy to forget about the workplace pension you might have had there. With the average person having several jobs during their lives, along with the 2012 introduction of auto-enrolment for employer-based pensions, it’s not surprising that many of us have more than one pension to ...


NEW BLOG - Protect your possessions with accidental damage cover

Posted by JSCFinancial on Thursday 8th of July 2021

Protect your possessions with accidental damage cover

Insurance claims for accidental damage increased over the past year as more people worked from home, so it’s a good time to check your own coverage.

Figures from some of the country’s biggest insurance providers have shown a sharp rise in claims of accidental damage during the lockdown.

With many millions now working from home, the chances of accidents and damage to property have inevitably gone up. Halifax Home Insurance reported a rise of 35% for claims between July and...


NEW BLOG - Investment Update July 2021: Almost fully open for business

Posted by JSCFinancial on Thursday 8th of July 2021

Almost fully open for business

June saw a delay to the planned reopening of UK business and services, a drop in unemployment and some promising world economic news.

June brought the news that the UK’s unemployment rate fell to 4.7% in the three months to April – a slight improvement from 4.8% in the three months to March. This, coupled with strong consumer spending figures for the month, offered some hope despite inflation jumping to 2.1% - mainly driven by the increase in the cost of fuel, clothing and eating out. Overall, the job m...


Inflation rises, along with commodity prices

The combined economic effects of stimulus measures, inflation and increased spending all contributed to an eventful month.

In May, vaccine rollouts gathered pace and pandemic-based restrictions began to lift in many countries. However, a new wave of cases in India raised concerns worldwide.

Despite reports that the UK economy shrank in the first quarter compared with the previous three months, the level of employment increased, although it remains below pre-pandemic levels. Inflation doub...


NEW BLOG - Turning ‘generation rent’ into ‘generation buy’

Posted by JSCFinancial on Thursday 3rd of June 2021

Turning ‘generation rent’ into ‘generation buy’ - New 95% mortgage scheme to help first-time buyers

Lenders are now offering a government-backed 95% mortgage scheme to help more first-time buyers onto the property ladder.

The government is hoping to turn ‘generation rent’ into ‘generation buy’ with the help of a 5% mortgage deposit scheme launched on 19 April.

Following the outbreak of the coronavirus pandemic, many lenders withdrew low-deposit mortgages. In just under a year, the number of 95% mortgages available to first-time buyers...


How to make the most of your lockdown savings

Posted by JSCFinancial on Monday 24th of May 2021

How to make the most of your lockdown savings

The pandemic has reportedly created 6 million accidental savers, but what’s the best way to use this extra cash?

The effect of the lockdown on millions of bank accounts has been to boost savings for people whose incomes have remained the same but whose spending has dropped.

With the prospect of life returning to a new normal, it’s a chance to think about how to make the most of these savings and build on them too.

Where were savings made?
Working from home meant the cost of commuting was...