Investment Update - Inflation and Omicron set the scene for investors

Posted by JSCFinancial on Thursday 6th of January 2022

Markets signed off the year amid high inflation rates and renewed concerns over the coronavirus.

The Omicron variant of the coronavirus unsettled markets at the beginning of December, with investors unsure about how renewed restrictions on socialising and travel will affect the global economy. The Organisation for Economic Cooperation and Development (OECD) urged national leaders to accelerate the vaccination rollout in order to slow the spread of the virus and reduce the impact of new strains.

Stock markets in the US and Europe had reco...


NEW BLOG - Investment Update - Energy shortages and supply disruptions continue

Posted by JSCFinancial on Monday 8th of November 2021

Investment Update - Energy shortages and supply disruptions continue

Stock markets bounced back in October despite an unsettled month due to global supply disruptions and energy shortages.

Financial markets were unsettled in October for a number of reasons. They include soaring energy prices due to the global shortage of natural gas supplies and high demand in Asia. Markets became calmer after Russian President Vladimir Putin indicated that his country could supply additional gas to Europe. The increase in energy prices and shipping ...


Autumn Budget - Highlights

Posted by JSCFinancial on Thursday 28th of October 2021

Autumn Budget highlights

In Chancellor Rishi Sunak’s second financial statement this year, there were few surprises as he looks to fix the economy following the pandemic.

With inflation climbing and interest rate rises on the horizon, Britain is at a critical period in terms of its economic future. Multiple lockdowns caused the UK economy to slump by 10% while the government spent more than £100 billion supporting jobs.

Now the economy is recovering the chancellor is under increasing pressure to balance the books and claw back money...


NEW BLOG - Autumn Budget & Spending Review 2021

Posted by JSCFinancial on Thursday 28th of October 2021

Autumn Budget & Spending Review 2021 “An economy fit for a new age of optimism”

 

 

Chancellor of the Exchequer, Rishi Sunak, delivered his third Budget and the results of his Spending Review on 27 October, declaring that it begins "the work of preparing for a new economy post-COVID." The Chancellor struck an upbeat tone during the key fiscal event, as he outlined his vision of “an economy fit for a new age of optimism, where the only limit to our potential is the effort we are prepared to put in and the sacrifices we are prepared t...

NEW BLOG - The not-quite post-pandemic Budget

Posted by JSCFinancial on Thursday 28th of October 2021

The not-quite post-pandemic Budget

The central theme of Chancellor Rishi Sunak’s Autumn Budget was greater investment in UK PLC as part of the government’s long term economic plans and priorities. This included £11.5 billion investment in 180,000 new affordable homes, and a Levelling Up Fund that will mean £1.7 billion invested in local areas across the UK.

While some of the announcements may have seemed rather long term, Mr Sunak did provide some more immediate relief for households and businesses still fragile from the effects of t...


Autumn 2021 Budget: what’s coming up?

Posted by JSCFinancial on Wednesday 27th of October 2021

Autumn 2021 Budget: what’s coming up?

The communication teams at the Treasury have been busy in the run up to the Autumn Budget on Wednesday. After a weekend that, according to The Times, contained no less than 11 announcements covering £26 billion of expenditure, you might think that there is not much left for Mr Sunak to talk about when he addresses Parliament on 27 October.

We now know to expect extra spending on Manchester trams, the NHS, post-16 education, incentives for UK investment by overseas companies and even new cutters f...


Investment Update - September stutters

Posted by JSCFinancial on Friday 1st of October 2021

With retail sales falling, it’s a sign that the UK economy is cooling following a resilient summer. But inflation is on the rise.  

 

September was a volatile month for financial markets, with many factors at play including supply chain disruptions, a rise in inflation and concerns that the pandemic could carry on moderating the recovery for some time. Global stock markets dipped during the month, after reaching record highs in previous weeks.1 The FTSE 100 index struggled, with falls in sectors including construction and commercial prop...


Get the best out of your Buy To Let Mortgage

Posted by JSCFinancial on Thursday 30th of September 2021

Get the best out of your BTL mortgage

Many fixed mortgage deals will be approaching the end of their term this October, so it’s a good idea to review your buy-to-let mortgage.

With interest rates still at low levels and demand for rental properties increasing around the country, investing in a buy-to-let (BTL) is a popular choice for many.

Buy to let basics


A BTL mortgage is a specific type of product for those who want to buy a property with the intention of renting it. Because of this, there are different terms and rules around a...


Can your Pension sustain your retirement?

Posted by JSCFinancial on Thursday 30th of September 2021

Can your pension sustain your retirement?

Working out how long your pension pot will need to last – as life expectancy rises – is worth thinking about sooner than later.

The lockdown caused many people to reassess their lifestyles, which for some meant choosing early retirement. But what retirees have found is that pension pots are not matching the period of time needed to enjoy a comfortable life.

Life expectancy is going up. The Office for National Statistics offers an online calculator which gives an estimate of life expectancy –...


How to make ISAs work for you

Posted by JSCFinancial on Thursday 30th of September 2021

How to make ISAs work for you

Make the most of your tax allowances by using the different types of ISAs that are available.

Individual Savings Accounts (ISAs) were first introduced in 1999 and are a tax-free way to save into a cash savings or investment account. There lots of different types of ISA available, but the right one for you will depend on your financial goals. We explain how they work so you can choose the one that is best for you.

Cash ISA
A cash ISA works in the same way as traditional savings account but you won’t have ...


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