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Market Volatility

In simple terms, volatility is the erratic up and down movements often seen on financial charts.

It’s something you may have heard fund managers talk about – they demonstrate that their fund doesn’t have the move up and down as much as the index they are trying to match or the objective return of the fund. 

Over the last decade we have generally seen markets move up, there have been some big movements down, but they have recovered quickly.  These recoveries are what traders and fund managers call corrections. 

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Finding the Right Mortgage for You

There are many choices to make when looking for a mortgage.

There are literally thousands of different types of mortgages on the market and choosing the right one can be daunting. But before deciding which mortgage to go for, you need to decide what type of mortgage to get – repayment, interest only, fixed, tracker or discounted.

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Pension Freedoms

April 2015 saw the introduction of pension freedoms. So, what does this actually mean for people who are looking to access their pension pot?

Prior to April 2015 the options available for the majority of people were very limited and in most cases an annuity would be the only option, offering a lack of flexibility and a poor deal especially with interest rates being at rock bottom.

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ISAs – 21 years on

This April, ISAs celebrate their 21st birthday. So, I thought it would be a good idea to remind you how good an investment vehicle they can be, just before the end of this tax year.

Statistics suggest ISAs have become a huge hit with savers. The value of adult ISAs stand at over £600 billion, shared between around 22 million account holders. They have also proved popular with successive Chancellors as a means of encouraging the saving habit with the annual subscription limit having almost trebled since launch.

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Additional benefits of General Insurance

Whether you live in a one bedroom flat or a five-bedroom detached house, you’ve worked hard to make your house your home, so it’s important to have the correct protection in place in case something should go wrong.

Though you might believe the unthinkable would never happen to you, what if it did?

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What risk are you taking with your money?

With so much uncertainty out there, people are quite rightly thinking about every decision made. Sometimes even holding back on non-essential expenditure in order to keep savings or build on savings just in case.

These decisions are all based on you weighing up the pros of buying that TV vs the risk that you may need the money soon. This simple decision has lots of moving parts to it and is affected by your past decisions and experiences, as well as other considerations. You are assessing risk.

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How to become mortgage ready

For you or your loved ones, getting a mortgage may seem a little bit like climbing Everest. The summit is incredibly far away and it’s going to be a long journey that requires a lot of commitment. That’s because the process of buying a home doesn’t start by selecting a property that’s within your budget – it can take months, even years of preparation to get fully mortgage-ready

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