The Bottom Line

By Morgan Williams & Co.
Two people shaking hands.

Investment market update: May 2025

Uncertainty continued to lead to market volatility in May 2025. However, there was some good news for investors as some markets recovered the losses they experienced in April 2025. Read on to find out more and what factors may have influenced your portfolio’s performance recently. While market movements may be worrisome, remember, it’s a normal...
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A pile of chocolate bars.

10 indulgent recipes to celebrate World Chocolate Day

This year, people around the globe will celebrate World Chocolate Day on 7 July 2025. Humanity has been enjoying chocolate for the past five millennia. It used to be considered such a rare treat it was known as the “food of the gods” by the Olmecs, Mayans, and Aztecs. Nowadays, chocolate is a popular guilty...
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A father teaching a child to ride a bike.

Should you choose a Cash or Stocks and Shares Junior ISA for your child?

A Junior ISA (JISA) is often an effective way for parents to start putting money aside for their children to help them reach their goals when they reach adulthood. One important question parents need to consider is: Should the money be held in a Cash JISA or invested through a Stocks and Shares JISA? Read...
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A group of friends playing cards outdoors.

The Thursday Murder Club’s guide to retiring well

Richard Osman’s books about the Thursday Murder Club, a team of detective octogenarians, have sold millions of copies, and the team are set to hit the small screen in August. But Elizabeth, Ron, Joyce, and Ibrahim aren’t just providing entertainment; they could offer valuable retirement lessons as well. But don’t panic – solving murders in...
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A couple looking at a statue in a museum.

Why defining “financial freedom” could help you achieve it

Achieving “financial freedom” is an aspiration many people have. Yet, it can mean different things to each person and is influenced by other lifestyle goals, so defining how to measure it for you could help you turn it into a reality. Securing financial freedom so you can retire with confidence is a common goal. A...
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A band playing on stage.

Are your money beliefs helping you make great financial decisions?

This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. Each of us has a set of beliefs, borne out of our experiences....
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What the Back to the Future ripple effect could teach you about financial planning

It’s been 40 years since Back to the Future delighted cinema-goers with its time-travelling adventure. Teenager Marty McFly discovers the power of the “ripple effect”, and it’s something that could be valuable when you’re creating a financial plan as well.  One of the plot devices in Back to the Future is the ripple effect –...
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A father walking outdoors with his adult son.

Why the best legacy could be passing on your financial wisdom

If you want to help younger generations, passing on this pearl of wisdom could be key – start saving for your future as soon as possible. Many people think about their legacy when setting out their long-term goals. You may have considered gifting during your lifetime or how you’d like assets to be distributed after...
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A woman watering indoor plants.

How to use an unexpected windfall to create long-term prosperity

If an unexpected lump sum lands in your bank account, you might be tempted to splash out and treat yourself. However, using a windfall effectively could create long-term prosperity. There are plenty of reasons why you might suddenly receive a cash injection. Perhaps you’ve received a bonus from work or inherited assets. Whatever the reason,...
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