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Pension v Lifetime ISA: What’s the best way to save for your retirement?

 Fiducia Wealth Management Posted in Pensions & Retirement on 05.11.25 Read

When you start searching for the best ways to build a retirement fund, private pensions might be the first option that comes to mind. 

However, they’re not the only way you can prepare for your life after work. An alternative is the Lifetime ISA (LISA) – a government-backed savings account.

While you might assume you can only use a LISA to purchase your first home, this isn’t its only purpose. 

In fact,...

Insufficient financial education could harm the long-term prosperity of younger generations

 Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

You may be diligently saving a nest egg for children or grandchildren. Yet, without financial education, your efforts might not be as useful as you expect.

Research suggests many children aren’t receiving sufficient financial education at school, leaving them ill-equipped to manage their finances as adults.

Financial education was added to the national curriculum in secondary schools in 2014. However, more than...

Investment market update: October 2025

 Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

October 2025 proved to be a positive month for many investors, with markets reaching record highs. Read on to find out more about what factors may have affected your portfolio’s performance.

Remember to take a long-term view when assessing your investments and consider your risk profile when making decisions. 

Markets experienced record highs, but investor uncertainty continued to have an effect

The month...

How financial planning could give you the confidence to spend more

 Fiducia Wealth Management Posted in Financial Planning on 05.11.25 Read

The importance of saving is drummed into us from a very early age. As a child, for example, you may have had a moneybox and been encouraged to save your spare coins. 

As you get older, this extends into saving for university, saving up for a house, saving for retirement, and so on. 

But what about spending? While looking after your financial future is indisputably important, so is taking care of your financial...

Venture Capital Trusts: Why higher-rate taxpayers might want to invest in them

 Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

For some investors, particularly higher-rate taxpayers, Venture Capital Trusts (VCTs) could offer an attractive and tax-efficient investment prospect. Read on to discover the basics you need to know if you’re thinking about making VCTs part of your financial plan. 

VCTs are listed companies that invest in UK businesses. These are typically smaller and younger firms than those you might access through other...

Phasing into retirement: The emotional and financial benefits

 Fiducia Wealth Management Posted in Financial Planning, Pensions & Retirement on 05.11.25 Read

Last month, you read about how retirement is changing, with almost half of workers aged over 50 exploring phasing into retirement. There are plenty of reasons why more people are considering a gradual retirement, including the emotional and financial benefits this option could offer.

A gradual retirement could help you retain a sense of purpose and social life

When thinking about retirement challenges, most...

How pension and Inheritance Tax policy changes could affect your legacy

 Fiducia Wealth Management Posted in Inheritance Tax on 25.09.25 Read From April 2027, pensions are expected to fall within your estate and could be liable for Inheritance Tax (IHT). That date might seem far away, but the policy change has the potential to significantly affect your estate plan, so thinking about it now could be useful.

While the policy change is still in the initial stage, the government has signalled that it intends to move forward with the plans.

Under current...

Why the Labour government could reform the State Pension and what it means for you

 Fiducia Wealth Management Posted in Pensions & Retirement, State Pension on 25.09.25 Read Almost half of Brits doubt the State Pension will exist by the time they retire, according to a PensionsAge report published in July 2025. While scrapping the State Pension may not be on the cards yet, there are suggestions that significant changes, which may affect your retirement, could be introduced.

In 2025/26, the full new State Pension is £230.25 a week and can be claimed from age 66. Even though the State...

5 challenges a financial midlife MOT could help you overcome

 Fiducia Wealth Management Posted in Financial Planning on 25.09.25 Read Your midlife can be an exciting time; you may have ticked off some goals or bucket list items and are looking forward to what the future holds. Yet, it might also present some new challenges. Arranging a financial midlife MOT could help you overcome obstacles and feel confident as you prepare for the next chapter.

While you might have a better understanding of what you want to get out of life than when you were...

3 ways behavioural bias could affect your approach to estate planning

 Fiducia Wealth Management Posted in Wealth Management on 25.09.25 Read Financial biases are often linked to investing. However, subconscious tendencies can affect many aspects of your finances, including your estate plan.

An estate plan sets out how your assets will be managed during your lifetime and distributed after your death. It might include writing a will or creating a trust to provide for young children.

As estate planning can be emotional, it’s not surprising that...

Planning for care: How to set out your wishes

 Fiducia Wealth Management Posted in Long Term Care on 25.09.25 Read Planning for the possibility of needing care can be daunting, but it also provides you with a sense of control and a chance to set out what your wishes would be.

Over the last few months, you’ve read about why preparing a care plan is important and the potential costs of funding care later in life. Now, read on to find out how you can make your wishes known.

1. Plan a meeting with your loved ones to discuss...

The 3 steps to achieving financial wellbeing

 Fiducia Wealth Management Posted in Financial Planning on 25.09.25 Read This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast.

This is an extract from Chris Budd’s book The Four Cornerstones of Financial Wellbeing.

I would suggest that there are three steps to...

8 ways to be a positive influence on your grandchildren

 Fiducia Wealth Management Posted in Financial Advice, Saving & Investing for Children on 20.08.25 Read As a grandparent, you hold a uniquely cherished role in a child’s life, offering a blend of love, wisdom, and an important connection to your family’s history.

Indeed, research reported in GoodtoKnow highlights the profound effect that grandparents can have on a child’s development, shaping everything from their emotional wellbeing to their cognitive abilities.

More than that, having grandchildren and...

Think cash is king? It might be time to review your mantra

 Fiducia Wealth Management Posted in Wealth Management on 20.08.25 Read Cash can be comforting. It’s familiar, it’s accessible, and it’s tangible. But while cash savings can be part of a well-balanced financial plan, they’re not always the best-performing asset.

Data shows that many UK adults are reluctant to depart from cash. In an update reported by MoneyWeek, the Financial Conduct Authority (FCA) reported that 61% of adults with £10,000 or more in investible assets are...
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