Just over three months after her lengthy Autumn Budget, chancellor Rachel Reeves has addressed the House of Commons and delivered the government’s 2026 Spring Statement. Ahead of the Statement, Reeves reinforced the government’s commitment to “one fiscal event, one Budget, a year”. So, it will come as a relief to many, including business owners, that the Spring Statement included no additional tax-raising measures. Furthermore, no changes to pensions or Individual Savings Accounts (ISAs) were announced. Reeves also said that household disposable income is set to grow at twice the rate that was forecast in the Autumn Budget – leaving the average person £1,000 better off each year by the next election. That being said, previous announcements, including changes to the... Read More

How often do you talk to your children about money? It’s likely you’ll want to teach them some financial fundamentals to help them move forward with confidence. There are any number of “financial lessons for your kids” type articles about starting with a savings account, basic investing principles, and the perils of excessive debt. But often, the best lessons you can teach them will come from your own behaviours and interactions with them over time, rather than a “sit down and listen to this” approach. Here are seven ways I think you can teach your children about their relationship with money that are grounded in gradual understanding rather than in a one-off talk or lecture. 1. Stressing the importance of... Read More

You’ve probably noticed the headlines. Gold and silver have had a remarkable run over the past two years, reaching record highs and generating dramatic gains. The financial media can’t stop talking about commodities. It’s natural to wonder if you should have owned more of these assets. Are you missing out? I do understand the frustration. Watching an asset class surge while you’re not heavily invested is uncomfortable. Plus, commodities feel tangible and real in a way that ordinary shares in your portfolio may not. Gold has been a store of value for thousands of years and, until a few decades ago, underpinned global currencies. The narrative is simple and compelling: uncertainty is rising, so own something you can hold and... Read More

Last year, I read a book by Morgan Housel called The Art of Spending Money, in which he explores the relationship between wealth, happiness, and money. You may have read my previous article I published about his best-known work – The Psychology of Money –which has sold a remarkable 3 million copies. In The Art of Spending Money, Housel’s underlying theme is that while money gives you the means to be comfortable, it can’t always buy personal happiness. Because of that, he suggests that it becomes crucial to understand the psychological triggers that decide how you spend your money. By doing so, you can ensure that your financial decisions are driven by your personal values and what matters to you,... Read More

Something deep in human nature makes us lean in when we hear whispers of danger on the horizon. Throughout history, prophets of doom have commanded our attention, warning of catastrophes only they could foresee. In our age, these prophets have traded robes for business suits, swapping predictions of divine wrath for forecasts of market collapse. Their stages are now financial networks, and their scrolls have been replaced by charts, but their message remains unchanged: devastation approaches, and only they saw it coming. After three years of solid market returns, they’re back with familiar predictions. The same faces, the same warnings, year after year. Market history is filled with predictions that didn’t materialise as forecast, yet somehow, we still find ourselves... Read More