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Premium Bonds – are they any good?
Premium bonds issued by the NS&I (National Savings and Investments) are one of the UK’s most popular savings products, with around 21 million people saving approximately 88 billion in them but are they any good? Recently we heard in the news that the NS&I are slashing their interest rates or…
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The IOM Pension Freedom Scheme (PFS) – What is it?
In February 2018, the Isle of Man’s Treasury Minister, the Hon. A L Cannan, MHK, introduced new legislation aimed at increasing pension flexibility. The changes became effective on April 6th, 2018, allowing greater freedom in accessing pension benefits and providing more significant tax relief. Like other pension schemes, the PFS…
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Isle of Man State Pension – how does it work?
When talking about pensions, people can often be referring to the state pension scheme that is provided by the government. This type of pension scheme has often been subject to a lot of confusion as to what it really does, how you accrue the credits required to have the…
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Life insurance: what is it and what are the options?
Life insurance is often overlooked in financial planning, but it’s crucial for safeguarding your loved ones and your financial future. At Osborne Financial, we believe it plays a vital role in any solid financial strategy, and we’re here to help you navigate your options. Whether you need whole-of-life insurance,…