The blog.
Quick, actionable and up-to-date advice and insights from the knowledgeable Virtu team.
What is the bank rate, and how it could affect your mortgage?
When you take out a mortgage, you pay interest on the amount you borrow, and the bank rate set by the Bank of England (BoE) can affect your repayments. Find out why and how the bank rate might affect you in 2026.
Why business owners may want to consider a pension alongside their exit strategy
Overlooking your pension when thinking about your future as a business owner could leave you in a difficult situation when you want to retire. Find out why you might consider your exit strategy alongside your pension, rather than as a replacement for it.
The salary sacrifice pension cap essentials business owners need to know
From April 2029, the government will cap National Insurance relief for salary sacrifice pension contributions. Here's how the move might affect your business.
2 reasons to combine your financial plan with your partner’s
Love is in the air with Valentine’s Day just around the corner. Amid planning romantic gestures, thinking about combining your and your partner’s financial plans could be valuable. It may seem too practical for a day celebrating love, but it could support your relationship
How much should you contribute to your pension?
A third of people don’t know how much they need to contribute to their pensions every year to create a comfortable retirement. Discover what steps you could take to assess what contribution you may need to make.
Your Autumn Budget update, and what it means for you
The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements Rachel Reeves announced in her speech and what they could mean for your financial plan.
The essentials you need to know if you’re considering gifting your home to your children
Your home is likely to be one of the largest assets you own. So, you might be thinking about gifting it to your children to avoid a potential Inheritance Tax bill. Find out what legal and tax considerations you might need to weigh up first.
Business owners: Could an employee trust provide you with an exit strategy?
High street retailer The Entertainer has transferred 100% ownership to an employee trust. As a business owner, an Employee Ownership Trust is an exit strategy that could reduce your tax bill and ensure your business continues to operate.
Trick or treat: The “tricks” a financial plan could help you avoid
This Halloween, read about some of the financial “tricks” you might fall for if you’re not careful. Fortunately, working with a financial planner could help you navigate complicated allowances and rules to turn them into “treats”.
How a cashflow model can turn retirement anxiety into excitement
Retiring should be a milestone you look forward to. Sadly, research shows UK adults associate spending their retirement savings with negative words, and it could mean they aren’t able to enjoy the next chapter of their life. A tailored cashflow model could turn anxiety into excitement.
Why stock market volatility can trigger financial bias
When markets experience volatility, even level-headed investors can let their emotions or other influences affect their decisions. Discover some of the ways financial bias might affect your decisions when the value of your portfolio rises or falls.
Phasing into retirement: The flexible options you might consider
Almost half of workers aged over 50 are already phasing into retirement or would like to do so in the future. Find out why a gradual approach to retirement could be attractive, along with some of the options that could allow you to do so.
Investment market update: June 2025
While the effect of trade uncertainty on investment markets eased in June, tensions in the Middle East worsened and led to volatility. Find out what else may have affected your investment portfolio recently.
5 powerful Warren Buffett lessons that could benefit ordinary investors
Legendary investor Warren Buffett has announced he’s retiring after more than five decades leading successful holding company Berkshire Hathaway. While Buffett has access to a huge number of resources, many of his insights are beneficial for ordinary investors, including the value of focusing on the long term.
5 surprising and unconventional economic indicators
Economists assess a wide range of data to weigh up the likelihood of economies entering a recession. As well as data like unemployment rates and asset prices, some unconventional theories suggest insights could be gleaned from hemline lengths and tie selection.
The age you can access your pension may rise. Could it affect your retirement?
The “normal minimum pension age” is rising from 55 to 57 in April 2028. It could mean you’re unable to access your pension savings on your planned retirement date. Find out what you need to know and the steps you could take to keep your retirement plan on track.
How emotional decision-making could harm your outlook in retirement
Retirement is a milestone that’s associated with a lot of emotions. From excitement to fear, these emotions may affect your financial decisions, which could have long-term implications. Read about three ways emotions might influence you, and how to reduce their effect.
A simple guide to mortgages for first time buyers.
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All you need to know about pensions.
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