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Insights from the Charles James team
Generation X Are The Largest Pension Contributors
Those aged 43 - 54 account for the largest percentage of overall pension contributions, however they still aren’t contributing as much as they should be.
Despite Wage Rises, Savings Remain At Record Low
Wages are rising, borrowing is decreasing, however British savings as a percentage of income are at historic lows.
Pensions Contributions Set To Rise
Workers’ pension contributions are set to increase in the very near future.
Tips For Selecting A Savings Account
Perhaps you have a New Year’s Resolution to open a new savings account this year. With so many products on the market, it can be quite confusing when looking for the right savings account. The Money Advice Service have some tips on how to narrow your search for the right savings product...
Charles James Named in FTAdviser's Top 100 Financial Advisers 2018
Charles James Financial Planning is delighted to announce our inclusion into FTAdviser’s Top 100 Financial Advisers 2018!
Brexit: The state of Play
With the outlook for Brexit constantly changing, the significant progress made on an exit deal this week takes us a step closer to leaving the EU, but what comes next?
Autumn Budget Recap 2018
We look through the key points from the Autumn Budget, with a focus on taxation, housing and welfare.
No-Deal Brexit: Pensions, Savings and Mortgages
Just seven months remain until the UK leaves the European Union, and with an ever increasing chance of a “No-Deal Brexit”, we take a look at what that means for you.
What The Interest Rate Rise Means For You
Despite the base interest rate increasing in November 2017 - the first increase in more than a decade - the Bank of England has announced another increase.
The UK Could Soon See A Basic Savings Rate
Banks may soon be forced to offer a minimum interest rate in an attempt to tackle poor returns on customers’ savings.
UK Household Savings Lowest Since 2005
A rise in consumer spending has seen savings levels drop to their lowest level in 13 years.
Is Now The Best Time To Take Out A Mortgage?
Mortgage rates look set to increase, with many in the industry claiming it is better to take out a mortgage sooner rather than later.
Financial Scams on The Rise
A fifth of all scams reported to Citizens Advice’s Consumer Service are related to financial or legal services.
Get Advice Before Withdrawing From Your Pension
Pensions freedoms have brought financial flexibility for those entering retirement age, however you must be aware of the consequences of withdrawing lump sums from your pension pot, especially if you plan on doing so before retirement age.
35 Year Olds Should Have Double Their Salary in Savings
According to a leading investments firm, workers should have double their annual salaries in savings by the time they reach their mid-30s.
How To Buy a House With A Lifetime ISA
Lifetime ISAs are almost a year old, but many people are still confused about how to claim their 25% interest.
25% of Pensioner Households Have Zero Savings
Latest government figures reveal that a quarter of all pensioner households have no money saved for retirement.
Simple Steps To Start Saving
Most people would like to build up a healthy rainy day fund, but many struggle to get started and structure their saving. We take a look at some simple steps to kick starting your savings accounts.
A Fifth of Parents Have Borrowed From Their Children
New research has shown that 19% of parents have borrowed cash from a child’s savings account.
Could Interest Rates Increase in May?
The Bank of England has so far kept interest rates on hold, but there are indications that they could rise in the near future…