For the best part of 10 years, global markets have enjoyed a period of steady growth. 2018, however, saw markets ‘wake up’ to increased uncertainty on a number of key political and economic events.Fuelled by the sustained efforts of central banks to maintain low...

Asset allocation is one of the key tools in our investment proposition to help strike the right balance between risk and reward in your portfolio. It applies to asset classes, such as equities, bonds and cash, and different global regions.The actively-managed Omnis...

When it comes to investing, you might have heard that time in the market is better than timing the market.Time in the market is another way of describing long-term investing. Investors with a time horizon of at least five years (and in many cases longer) buy an asset...

In July 2015, Mark received a call from someone telling him his house in County Durham was in flames and that a team of firefighters were currently at the scene.He hung up – first, not quite believing what he’d heard was true – it must be a work colleague playing a...

You might think pensions are too complicated and you don’t understand them, but the fact is they are a crucial, tax-efficient savings vehicle that can help give enough money to live on in your retirement.Worryingly though, only two thirds of UK adults are currently...

Most of us celebrate the start of life and pay tribute to the end of life, but are we placing enough importance on everything in between?If we’re lucky we’ll enjoy certain life events like finding a lifelong partner, marriage / civil partnership, having children,...

The more experienced investors among us will know that investing in equities involves a more volatile journey than some other asset classes, such as fixed income.What causes this volatility?When you invest in a bond, you are effectively lending money to the issuer,...

When your current mortgage deal comes to an end you might be tempted to do nothing and simply move on to your lender’s Standard Variable Rate (SVR). However, by doing so you could risk your mortgage rate more than doubling.According to Moneyfacts, fixed mortgage deals...

Taking out a mortgage could be one of the biggest financial decisions you’ll need to make in life, so it’s important to get it right.You could ‘go direct’ to find the right mortgage for your circumstances – as long as you’re prepared to spend time and effort scouring...

Being a First Time Buyer was daunting to start with, but once I got in touch with an Openwork Adviser, they settled all my nerves and made the process of buying a place to call home incredibly easy.The big decisionBefore I could look at houses and house prices, I...

A pension is a tax-efficient, long-term savings plan that you contribute to during your working life to provide an income when you stop work. You can benefit from tax relief on the contributions you pay in and your pension pot has the potential to grow. At the moment...

In the 2019/20 tax year, you can save up to £20,000 tax-free in an Individual Savings Account (ISA), and when it comes to your ISA investment, you have a number of options.Investors comfortable with the slightly higher risk Peer to Peer lending can also now invest in...