HBD Blog

Increasing financial support for millennials

Increasing financial support for millennials

Cost of living crisis drives early inheritance gifting The rising cost of living is cutting into even the most resilient saving pots and salaries, forcing many to re-consider their financial priorities, whatever their generation or income. Those millennials now...

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Shrinking safety nets

Shrinking safety nets

More people set to dip into emergency funds Having money set aside can help to provide protection against any abrupt financial changes. A new report has identified one in four working households with savings (28%) have started dipping into them to meet rising living...

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Leaving a tax-efficient legacy

Leaving a tax-efficient legacy

Considering the rule of seven when making financial gifts You’ve worked to build up your wealth. But now it’s time to make plans so your loved ones can get the most from the estate you intend to leave behind. If you think you might be affected by Inheritance Tax, it...

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Funding the lifestyle you want

Funding the lifestyle you want

Get your retirement plans in motion One of the most common concerns among those approaching retirement is whether they will have enough money to last them. A new study[1] shows that only 25% of retirees feel very confident they’ve saved enough for retirement. As food...

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Balancing risk and returns

Balancing risk and returns

Bonds can play a key part in building an investment portfolio UK government bonds, also known as gilts, are debt securities issued by the UK government. They are used to finance the government’s borrowing requirements and are often seen as a safe haven asset by...

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Doing the right thing for the planet

Doing the right thing for the planet

Four in five looking to change jobs demand green pensions When you first start paying into your employer’s pension, your contributions, along with employer contributions and tax relief, will be invested through a default fund. You will usually have several fund...

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It’s Good to Talk

It’s Good to Talk

More young adults are more engaged about money with their parents than past generations When it comes to conversations about money, more and more families in Britain are opening up, new research reveals[1]. This is a significant increase from previous years, when such...

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Time to Talk

Time to Talk

Discussing Wills and trusts with adult children or dependants Wealth transfer has become an important issue for many families today. Individuals with assets of any size should prepare for their eventual transfer whilst making provision for any tax or legal...

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What sort of lifestyle will you be able to afford?

What sort of lifestyle will you be able to afford?

How inflation could be impacting on your retirement plans Inflation can affect your retirement savings depending on what you do with that money. Leaving your money in a bank account with low interest is a risk, as your money will not outgrow the rate of inflation....

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