The Bottom Line

By Morgan Williams & Co.
Two workers walking between shopping containers.

Investment market update: June 2025

Trade tariffs continued to affect investment markets in June 2025, though uncertainty did start to ease. However, rising tensions in the Middle East may have affected the performance of your investments. Read on to find out more. Remember, it’s often wise to take a long-term view of your investments when reviewing returns, rather than focusing...
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An older woman looks pensively off to one side.

The early signs of dementia that may be important to know

We all become more forgetful as we get older. But can you differentiate what is a normal part of the ageing process and what are the early signs of dementia? Although there is no current cure for dementia, recognising the early symptoms so you can get a diagnosis as soon as possible is still very...
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The age you can access your pension may rise. Could it affect your retirement?

In April 2028, the age you can usually access your pension, known as the “normal minimum pension age” (NMPA), will rise from 55 to 57. So, if you hope to retire at 55, you might need to update your retirement plan. Even if your planned retirement date seems far away, creating a plan now could...
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A grandfather playing with his grandchildren outdoors.

How to prepare your loved ones for the “great wealth transfer”

Passing on your wealth to loved ones could transform their lives and mean they have more opportunities in the future. However, to get the most out of the “great wealth transfer”, younger generations need to be prepared to manage their inheritance. According to September 2024 data from Vanguard, it’s estimated $18.3 trillion (£13.45 trillion) in...
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A couple hugging in their home.

Why you don’t need to experience a financial shock to benefit from a safety net

You might think of a financial safety net as something only useful when you face a shock, like an unexpected bill or being unable to earn an income. However, when you look at the wellbeing benefits, you might be surprised by how valuable it is even when your plans are on track. A financial safety...
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A mum and two children walking home from school.

The secret to a happy life

This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as 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. Life can be complicated, can’t it? There are so many distractions, sometimes...
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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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