The blog.
Quick, actionable and up-to-date advice and insights from the knowledgeable Virtu team.
Investment market update: March 2026
Conflict in the Middle East caused market volatility throughout March 2026. Find out what other factors may have affected your investments.
How to plan for retirement as a small business owner
Research suggests that many small business owners and self-employed workers aren’t prioritising their retirement, and could face uncertainty later in life as a result. However, opening a pension could benefit both you and your business.
Should you delay your State Pension? The pros and cons explained
Thousands of people delay claiming their State Pension every year. There are some potential benefits, including managing their tax liability, but there are also drawbacks that are important to consider.
5 ways a cashflow model could support your estate plan
Deciding how you’d like your assets to be managed later in life and after you pass away may be intimidating. However, a cashflow model could help you answer both financial and emotional questions, so you’re in a better position to make important estate planning decisions.
What past market volatility has taught us about investor behaviour
The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events may affect investor behaviour could be useful.
How psychology might affect your view of cash and safety
How your brain works can affect how you view wealth and different assets. For many, this can mean cash feels like a safer option than alternatives, but it’s not always the right one. Indeed, sometimes choosing to hold cash could mean you miss growth opportunities.
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.

