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Investing in Your 30s, 40s and 50s: What to Prioritise at Each Stage
Investing isn’t one-size-fits-all and it certainly isn’t one-age-fits-all either. As your career, lifestyle and goals evolve, so should your investment strategy. The core principles remain consistent: stay diversified, think long term, and manage your risk. But how you apply these principles often depends on the stage of…
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A Guide to Financial Protection for the Self Employed
Self employment gives you freedom. You can choose your hours, your location, and your income. It can be a hugely rewarding way to work, but it also means you take on more responsibility and risk. Unlike employees, you are not entitled to sick pay, a company pension, or benefits. That…
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A Guide to Mortgage Protection Policies
A home is one of the most significant financial investments most people will make in their lifetime. Along with the joy of home ownership comes the responsibility of ensuring that your mortgage is paid, even if unforeseen circumstances arise. Mortgage protection insurance is a specialised financial tool designed…
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Safeguarding Your Business’s Future: The Importance of Key Person Protection
Running a business is not only about planning for growth and success—it’s also about preparing for the unexpected. Whether it’s a sudden illness, a long-term incapacity, or death, unforeseen events can disrupt your business in ways you might not be prepared for. Key person and shareholder protection are critical tools…
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Business Healthcare on the Isle of Man: A Guide for Businesses
In today’s competitive job market, attracting and keeping top talent goes beyond offering a great salary. More and more, employees value comprehensive benefits that show their employer cares about their well-being. One of the most sought-after benefits is access to high-quality healthcare. For businesses on the…
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Isle of Man Pension Freedom Scheme (PFS) – Updated for 2025
In February 2018, the then Treasury Minister, the Hon. A L Cannan, MHK, introduced legislation enabling enhanced pension freedoms on the Isle of Man. Effective from April 6, 2018, these changes brought flexibility in accessing pension benefits and provided more substantial tax relief options for individuals saving for…
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The Power of Pensions
When planning for retirement, it’s important to understand how the financial vehicles you choose can significantly affect your nest egg and the income it provides. Let’s explore the journeys of two hypothetical investors, David and Sarah, to illustrate the impact of their investment choices over their working lives…
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Private Healthcare – A Super Simple Guide
Private healthcare has become an increasingly attractive option for people looking for quicker, more flexible, and comprehensive access to medical treatment, especially for those on the Isle of Man. While public healthcare systems are often praised for providing essential services to the entire population, they can sometimes…
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2023/24 Manx Care Report: Key Challenges, Gaps, and Private Medical Insurance Benefits
The 2023/24 Annual Report from Manx Care offers a comprehensive view of the current state of healthcare services on the Isle of Man. It highlights achievements, yet also brings to light significant challenges and deficiencies within the system,…
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Breaking Down the Budget
The UK’s Autumn Budget 2024, delivered by Labour Chancellor Rachel Reeves, marked a major shift in the country’s fiscal approach, introducing substantial tax increases and a suite of public investments aimed at rebuilding national infrastructure and social systems. Framed as a move towards “national renewal,” the budget…
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How do U.S. elections affect stock market performance?
In the final weeks of the 2024 election campaign, the contest between Donald Trump and Kamala Harris is not only dominating political headlines but also influencing financial markets. Historically, U.S. presidential elections have been closely tied to stock market performance, as investor sentiment and market behaviour shift in response to…
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5% Interest Rate: Stability or Challenge for Isle of Man Residents?
On 19th September, the Bank of England decided to maintain the base interest rate at 5%, following a recent cut from 5.25% in August, the first reduction in this cycle. With the next review scheduled for 7th November, Isle of Man residents are closely watching how…