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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?
Back in February 2018, the Treasury Minister, the Hon. A L Cannan, MHK, announced the introduction of some new legislation surrounding personal pensions. This legislation became effective from the 6th of April 2018 on the Isle of Man to bring about pension freedoms and enable new products offering further…
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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 an often-forgotten part of proper financial planning and it is something we are quite passionate about. Whether you are looking for whole of life insurance, insurance to cover a mortgage or purely to provide something for your family after you are gone, there is a wide…
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COVID-19: What it means for pensioners
From early on in the Coronavirus pandemic, it has been apparent that older people are more vulnerable to the disease. The over-70s and anyone with underlying health conditions have been advised to isolate as far as possible. We are not medical experts, and would urge you to follow professional…
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Investing in a down market: what should you do?
The market has been almost unrelentingly positive over the past decade. There have been some small bumps, including uncertainty over Brexit and Trump’s trade disputes, but ultimately, the economy moved on. So for many people, particularly those who have only started investing in the last ten years, the recent volatility…
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Wills, trusts and powers of attorney
While many clients understand the potential of an investment plan, or the tax-efficiency of a pension, estate planning is a less exciting prospect. No one wants to think about their own mortality, and taking steps to plan for death can seem like tempting fate. But rather than dwelling on the…