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Like watching Match of the Day when you know the scores OBR report published early caps off the leakiest of Budgets. The chancellor has opted for pain now in the hope of relief later. The chancellor’s cut to household bills paves the way for interest rate cuts. What the bond market thinks. Budgets are getting leakier at a worrying pace Posted in: Investment - Articles Posted on: Wednesday Nov 26

Sticking plaster Budget may see Reeves up taxes in a year Budget a missed opportunity to address growth challenges. Increase in fiscal headroom has kept bond market calm, but already raises questions about next Budget. Changes to pensions ‘particularly disappointing’ and will disincentivise saving Posted in: Investment - Articles Posted on: Wednesday Nov 26

Income Tax Threshold freeze extended to 2031 Earners face higher tax bands, pensioners could face paying income tax on the State Pension alone Posted in: Investment - Articles Posted on: Wednesday Nov 26

PPF statement on pre-97 indexation Budget announcement The Pension Protection Fund (PPF) has welcomed the government’s announcement that it intends to change the law to enable the payment of inflation increases on pre-97 pensions to PPF and Financial Assistance Scheme (FAS) members. Posted in: Pensions - Articles Posted on: Wednesday Nov 26

Triple lock left untouched as 4.8% increase confirmed Standard Life and Broadstone comment as State pension is set to increase by 4.8% in April boosting payments by £574.50 (new state pension) and £439.40 (basic state pension). Government commits to maintaining the triple lock Posted in: Pensions - Articles Posted on: Wednesday Nov 26

Relief as other pensions tax perks remain untouched Pension salary sacrifice cuts confirmed from 2029 will be a blow to many employees saving for retirement. But pensions remain the most tax-efficient way to save for retirement, even after changes. After harmful pre-Budget speculation, call for Government assurance: no further changes to pensions tax breaks. Posted in: Pensions - Articles Posted on: Wednesday Nov 26

British investing hub and Stamp Duty holiday The Chancellor has announced plans for investing platforms to build hubs championing UK investment opportunities in 2026. Hargreaves Lansdown fully supports the initiative which will help meet retail investor demand for the best of British. The hub, alongside the confirmed Stamp Duty holiday for new UK listings, is a welcome boost for UK shares. These announcements complement the Leeds Reforms aimed at building a retail investment culture in the UK. Posted in: Investment - Articles Posted on: Wednesday Nov 26

Comments on Chancellors introduction of new Mansion Tax Mercer and Broadstone comment on the announcement there will be higher council tax for properties worth more than £2 million. Posted in: Investment - Articles Posted on: Wednesday Nov 26

Chancellor reduces cash ISA allowance to £12k for under 65s Broadstone and Aegon comment on the Chancellor reducing cash ISA allowance to GBP12k for under 65s Posted in: Investment - Articles Posted on: Wednesday Nov 26

Shock rise in income tax on savings interest The OBR documents indicate, the rate of income tax on savings interest will rise in April 2027.If you bust your personal savings allowance, basic rate taxpayers will pay 22% on interest, higher rate taxpayers 42% and additional rate taxpayers 47%.This is a rise of 2% across the board. Posted in: Investment - Articles Posted on: Wednesday Nov 26

Salary Sacrifice on Pensions capped by Chancellor Comments from IGG, Mercer, SPP and Hargreaves Lansdown comment on salary sacrifice being capped by the Chancellor Posted in: Pensions - Articles Posted on: Wednesday Nov 26

Chancellors increase to National Living Wage welcomed Kate Smith, Head of Pensions at Aegon welcomes the Chancellor's announcement of an increase to the National Living Wage from £12.21 per hour to £12.71 an hour for over 21s effective April 2026: Posted in: Life - Articles Posted on: Wednesday Nov 26

Health add-on benefits lead toward Income Protection Survey finds just 14% of full-time workers in the UK have Income Protection. Take-up of IP eclipsed by pet insurance (37%) and health insurance (36%) Posted in: Life - Articles Posted on: Wednesday Nov 26

Legislation must be enforced as keyless thefts soar Following a BBC Report highlighting the growing trend of keyless vehicle theft, data analysis by Tracker Network UK Limited, shows the company has recovered over £35million worth of vehicles between January and October 2025, a 15-year high. 93% of the vehicles recovered by Tracker, the stolen vehicle recovery (SVR) expert, were taken without the keys, underlining the scale of keyless car theft across the UK. Posted in: General Insurance Article Posted on: Wednesday Nov 26

The FCA on rebalancing risk Rebalancing risk is one of the corner stones of the FCA Strategy 2025 to 2030. Risk is not solely something to be mitigated but a necessary condition for encouraging investment and innovation. Our initiatives centre on higher standards, enabling market access, support, and innovation.Increased participation in private markets offers new opportunities and new risks. Our supervisory work is focusing on valuation practices, conflicts of interest and risk management to support industry and investor confidence. Posted in: Articles Posted on: Wednesday Nov 26

Survey reveals most SMEs have experienced a cyber incident Coalition have released a new survey revealing that nearly three-quarters of UK SMEs have been impacted by a cyber incident in the last five years. The research also shows that many businesses (35%) that previously had standalone cyber cover no longer do. Of those who decided against buying standalone cover, 35% said it was because they believed they had sufficient cyber cover under their wider commercial insurance policy. Posted in: General Insurance Article Posted on: Wednesday Nov 26

Budget looms, US rates in focus and drama on the AI stage UK markets open higher as Budget looms. UK Banks are expected to avoid major tax hikes. US markets react to rising rate cut hopes. Dell calls out strong AI demand. Alphabet’s TPU success offers an opportunity for Nvidia. Oil slips as Ukrainian peace talks progress Posted in: Investment - Articles Posted on: Wednesday Nov 26

Cash ISA allowance may be cut from £20,000 to £12,000 The government is reportedly planning to cut the cash ISA annual allowance to £12,000. HMRC says around 15 million adult ISAs were subscribed to in 2023/24 – just under 10 million of which were cash ISAs. It has been a record tax year so far for the number of people paying into HL cash ISAs - as well as HL stocks and shares ISAs, JISAs and LISAs. Posted in: Investment - Articles Posted on: Tuesday Nov 25

£4,000 extra tax from extended thresholds freeze High earners could pay over £4,000 more tax a year without any real boost to their purchasing power if Chancellor Rachel Reeves extends the current income tax threshold freeze until 2030 in tomorrow’s Budget, according to new analysis by Rathbones, a leading UK wealth and asset management firm. Posted in: Investment - Articles Posted on: Tuesday Nov 25

Climate Change scenarios over the next 75 Years 600,000 more properties at high risk of flooding by 2100. Insurance providers demand realistic Representative Concentration Pathways (RCP) scenarios. Climate change data launched to help predict long term risks in property and motor Posted in: General Insurance Article Posted on: Tuesday Nov 25

The Budgets expected impact on the gilts market Speaking ahead of the budget tomorrow, Chris Arcari, Head of Capital Markets, Hymans Robertson, said: As we close in on the budget, gilt yields are about 15-20bps off their autumn lows. Posted in: Investment - Articles Posted on: Tuesday Nov 25

AI is rewriting the rules for commercial lines Discover how AI is transforming commercial insurance by improving efficiency, enhancing decision-making, and building resilience across underwriting, claims, pricing, and portfolio management. Commercial lines insurance is changing—not with loud announcements or flashy tech demos, but through quiet, meaningful shifts in how work gets done. Much of this progress is driven by teams applying AI tools to everyday tasks. Underwriters are spending less time wrangling documents and more time thinking critically about risk. Posted in: Articles Posted on: Tuesday Nov 25

Investment Outlook 2026 across public and private markets Schroders’ experts have today shared their comprehensive 2026 outlooks across public and private markets, highlighting the opportunities and challenges investors face in light of significant geopolitical and economic developments. Posted in: Investment - Articles Posted on: Tuesday Nov 25

PRAs LIST demonstrates resilient bulk annuities market Commenting on the PRAs Life Insurance Stress Test (LIST), Lara Desay, Partner and Head of Risk Transfer said: “On 24 November 2025, the Prudential Regulation Authority (PRA) published individual findings from its latest LIST. The 2025 exercise marks a significant milestone as it is the first under the Solvency UK regime and focuses on the eight largest bulk annuity providers. Posted in: Investment - Articles Posted on: Tuesday Nov 25

Insurance customers turn to credit as they pay monthly Using credit to pay for insurance continues to gain popularity and nearly half value the ability to pay monthly, Premium Credit research shows. More than one in four worry their ability to pay bills will deteriorate in the next 12 months Posted in: General Insurance Article Posted on: Tuesday Nov 25

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