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Why advice is important in turbulent times
Political events can move quickly. Leadership changes, elections and major policy announcements often dominate the headlines and can leave people wondering what it all means for their finances. Following the resignation of Prime Minister Keir Starmer, many people will be asking whether they should make changes to their investments, pension or wider financial plans. In moments like these, it can be tempting to react to uncertainty or make decisions based on speculation. Having
Stefan Lubek
2 days ago2 min read


Weekly Market Review - 22 June 2026
Global equities moved broadly higher, supported by improving sentiment following the US and Iran agreement. Japan led gains on technology strength, the US advanced despite hawkish signals from the Fed, Europe edged higher, China was mixed on uneven growth, and the UK lagged. US: Equities rise on improving sentiment, despite the Fed signalling higher for longer rates Most major U.S. stock indices closed the holiday shortened week higher, supported by improved sentiment after n
Stefan Lubek
7 days ago5 min read


Weekly Market Review - 15 June 2026
Global equities were mixed, as easing geopolitical tensions supported sentiment while inflation pressures and rate hike expectations weighed on markets. European equities performed best, while Japanese equities lagged. US: EQUITIES RISE AMID GEOPOLITICAL OPTIMISM, COOLING INFLATION, AND BROADER MARKET LEADERSHIP Major U.S. stock indices ended a volatile week higher, supported by optimism around a potential U.S.-Iran agreement (announced on Sunday), lower oil prices, and broad
Stefan Lubek
Jun 155 min read


What April 2027 Means For The Pension You Were Going To Pass On
For more than a decade one of the most efficient inheritance most higher earners could leave was their pension. From April 2027 that stops being true. Unused pension funds and most death benefits will be included in the value of an estate for inheritance tax, ending the treatment introduced in 2015 that placed defined contribution pensions outside the estate. It is the largest structural shift to UK personal wealth taxation since the residence nil-rate band was introduced in
Stefan Lubek
Jun 108 min read


Weekly Market Review - 08 June 2026
Global equities were mixed, as AI optimism faded and geopolitical tensions continued to bubble away in the Middle East. Japanese equities fared best, while UK equities lagged due to global trade uncertainty. US: EQUITIES DECLINE AS AI OPTIMISM FADES AND JOBS DATA SURPRISES TO THE UPSIDE Major U.S. stock indices ended the week lower, led by a 4.68% drop in the Nasdaq, with declines also in the Russell 2000 and S&P 500, the latter posting its first weekly loss since March. Earl
Stefan Lubek
Jun 84 min read


June 2026 Market Update: Markets Climb Despite Middle East Conflict
Rising energy costs are weighing on major economies, even as stock markets continue to reach new highs Risk appetite remains strong US stocks climbed to record highs in May despite uncertainty caused by the US-Iran war and elevated oil prices. Global bond yields also rose on concerns that higher energy costs could force central banks to keep interest rates higher for longer, before easing towards month end. Equities were supported by optimism surrounding a potential peace dea
Stefan Lubek
Jun 54 min read


Watford or St Albans? The Real Cost of Hertfordshire's Postcode Premium
The conventional wisdom about Hertfordshire property is raising new questions. Watford first-time buyers pay around £341,000 on average. In St Albans, the figure is £461,000. That is a £120,000 gap for two towns half an hour from central London either way, according to early 2026 Office for National Statistics data. The gap widens further up the market, according to Land Registry sold-price data: roughly £200,000 between a 3-bed in each town, around £660,000 between a 5-bed.
Stefan Lubek
Jun 36 min read


2026/27 Tax Year: What's Changed and Who Should Review Their Plans
An unusually concentrated set of changes to UK personal taxation came into force on 6 April 2026. Dividend tax rose by two percentage points for basic and higher rate taxpayers. Business Asset Disposal Relief moved from 14% to 18%. The most structural change was the cap on Business Property Relief at £2.5 million per individual, the first time the relief has had a ceiling since it was introduced in 1976. Venture Capital Trust income tax relief was reduced from 30% to 20%. Thr
Stefan Lubek
Jun 211 min read


Weekly Market Review - 1 June 2026
Global equities again performed strongly, driven by a combination of AI momentum and expectations of a ceasefire in the Middle East. Japanese equities performed best, while UK equities lagged due to increased exposure to defensive sectors and energy. US: Equities rally on AI optimism and potential US-Iran deal US equities rose over the holiday shortened week, with several major indices reaching record highs. Gains were driven by improved risk sentiment linked to progress towa
Stefan Lubek
Jun 14 min read


Weekly Market review - 25 May 2026
Global equities performed strongly, supported by strong momentum in artificial intelligence stocks and easing geopolitical tensions in the Middle East. European equities performed best, while Chinese equities lagged on growth concerns. US: CONSUMER SENTIMENT FELL TO RECORD LOW AS COST-OF-LIVING CONCERNS DEEPENED U.S. equities pushed higher, with the Dow reaching a record and the S&P 500 extending its winning streak, supported by strong AI driven momentum following NVIDIA earn
Stefan Lubek
May 264 min read


What are the pros and cons of 100% mortgages?
A 100% mortgage is a home loan which allows the buyer to purchase a property without putting down any money (or a deposit) up front. Prior to 2008, it was common for lenders to offer deposit-free mortgages as standard, with some even allowing consumers to borrow more than the property’s value for living expenses[1]. But 100% mortgages were a notorious casualty of the 2008 financial crisis, and such products were pulled from the housing market in the aftermath of the crash.
Stefan Lubek
May 184 min read


Weekly Market Review - 18 May 2026
Global equities were pressured through the week as ongoing geopolitical tensions saw bond yields rise sharply. Technology stocks were pressured, as investors rotated in energy and sectors, which look set to benefit from rising bond yields. US: Inflation came in ahead of expectations seeing bond yields rally higher Most major U.S. equity indices ended the week lower as strong momentum in large cap technology and AI names was outweighed by renewed inflation concerns, rising b
Stefan Lubek
May 184 min read


Weekly Market Review – 11 May 2026
Strong corporate earnings supported a broad-based rally in global equity markets over the week, with performance driven largely by continued strength in the technology sector. The US and Japan led gains, while the UK lagged on fading optimism over a US-Iran peace deal. US: The tech sector continues to lead the way US equities rallied, supported by strong earnings, with around 85% of S&P 500 companies having reported and close to 85% beating expectations. The Technology sector
Stefan Lubek
May 114 min read


May 2026 market update - Markets rebound but energy risks linger
Global markets rallied in April, but the Iran conflict and surging oil prices continue to cloud the outlook. Markets recover as tensions persist. Global markets recovered in April, with stocks rebounding from March’s losses. US equities climbed to fresh highs, supported by strong earnings and AI-driven growth, while the FTSE 100 regained ground. European and Asian markets also moved higher. Central banks are facing a more complex backdrop as the US–Iran war adds to inflationa
Stefan Lubek
May 74 min read


ISA Lump Sum vs Regular Contributions: Which Approach Works Best?
Start Strong: The benefits of early lump‑sum ISA contributions A new tax year offers a valuable opportunity to strengthen your long‑term financial plans, and one of the most effective ways to do this is by making a lump‑sum contribution to your ISA as early as possible. While many investors wait until the end of the year to use their allowance, acting now can give your money a meaningful head start. The key advantage of an early lump‑sum investment is time in the market. By c
Stefan Lubek
May 63 min read


Weekly Market Review - 05 May 2026
Global equities delivered mixed returns in what was a busy week for news headlines. US equities led returns, as investors digested conflicting headlines in the Middle East, rallying energy prices, a raft of central bank decisions and a flurry of corporate earnings results. Japanese equities lagged following a strong start to 2026. US: Equities rally on robust corporate earnings, while interest rates remain on hold US equities delivered solid gains for the week, largely shrugg
Stefan Lubek
May 53 min read


Weekly Market Review - 27 April 2026
Global equities posted mixed performance for the week. AI-related stocks drove most of the gains across the US and Japan, while European equities were pressured as the Strait of Hormuz remained largely closed. US: Equities rally to record highs on AI strength and positive earnings reports US equity markets finished the week higher overall, with several indices reaching record highs despite ongoing uncertainty surrounding tensions between the US and Iran. Gains were led by the
Stefan Lubek
Apr 274 min read


Weekly Market Review - 20 April 2026
Global equities advanced over the week, supported by signs of de-escalation in the Middle East, strong earnings momentum and generally reassuring economic data. US performed best, while UK equities lagged for the second straight week. US: Equities rally strongly on de-escalating tensions in the Middle East US equities posted a third consecutive week of gains, with several indices reaching record highs. The Nasdaq led performance, rallying +6.84%, driven by continued strength
Stefan Lubek
Apr 204 min read


Weekly Market Review - 13 April 2026
Global equities rally strongly on two-week ceasefire framework in the Middle East. Japanese equities led the way, while UK equities were the laggard. US: Equities jump on two-week ceasefire framework in the Middle East US equities recorded a second consecutive week of strong gains as signs of de-escalation in the Middle East led to falling oil prices and improved risk sentiment. Markets opened the week on a cautious footing, but sentiment improved sharply later in the week fo
Stefan Lubek
Apr 135 min read


April 2026 Market update - Iran war weighs on global markets
Conflict in the Middle East has unsettled markets, driving volatility and raising concerns over inflation. Energy shock clouds the outlook. The Iran war has created fresh uncertainty for the global economy, complicating efforts by central banks to contain inflation. Its effects have rippled across markets, fuelling volatility and clouding the outlook for growth. Wholesale oil and gas prices have surged, with experts warning that if prices remain elevated, goods and services c
Stefan Lubek
Apr 74 min read
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