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7 things you need to know before you use equity release

 Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read Your home may be one of the largest assets you own, and unlocking property wealth using equity release could significantly boost your funds later in life. 

According to the Equity Release Council, in the final quarter of 2024, homeowners withdrew around £622 million from their homes. The average person withdrawing a lump sum for the first time received £115,243.

A cash boost of that size might mean you’re...

4 reasons to remain calm amid market volatility and uncertainty

 Fiducia Wealth Management Posted in Fiducia News on 08.04.25 Read Geopolitical tensions have led to a bumpy start to 2025 for investors. If you’re worried about volatility and what it might mean for your long-term finances, there are reasons to remain calm despite the uncertainty. 

The ongoing war in Ukraine has resulted in some anxiety in Europe, with the UK and other countries committing to increasing defence spending. In addition, the new Trump administration in the US...

The AI technology that means you need to be vigilant for scams more than ever

 Fiducia Wealth Management Posted in Fiducia News on 08.04.25 Read AI technology is presenting lots of opportunities for businesses to improve efficiency, but it’s also being used by scammers. To protect your assets, it’s more important than ever that you’re vigilant and aware of how criminals might target you. 

While you might think of scams as being rare, they could be more widespread than you think. According to Citizens Advice data released in October 2024, around 1...

Why an effective financial plan might involve spending more

 Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial plan isn’t always about that, sometimes, it might make sense to spend more.

It can be difficult to get your head around. After all, as a child, you’re often taught that being sensible with money means putting it in a savings account rather than spending it. Yet, this approach only...

How much do you need to be “wealthy”?

 Fiducia Wealth Management Posted in Wealth Management on 08.04.25 Read Wealth is often associated with financial abundance. However, when you look at the things that bring you joy and give you purpose, it might not be the value of your assets.

Indeed, a February 2025 report from HSBC suggests the younger generation is less likely to define wealth by how much they have in the bank. It’s an approach that may help you identify what’s most important to you.

It’s not a new trend...

Financial protection: How it could help you bridge an income gap

 Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read You don’t know what’s around the corner, but that doesn’t mean you can’t prepare for it.

A financial shock could derail your short- and long-term plans and might mean you face additional stress at an already difficult time. So, creating a financial safety net that you can rely on should the unexpected happen could offer you peace of mind. 

Over the next few months, you can read about how financial...

Investment market update: February 2025

 Fiducia Wealth Management Posted in Financial Advice on 17.03.25 Read After reading headlines throughout February, you might be expecting a gloomy investment outlook. Yet, despite threats of trade wars and uncertainty around the world, there were market highs. Read on to find out more about some of the factors that influenced investment markets. 

As investment markets are experiencing volatility, it’s perhaps unsurprising that some investors sought the “safe haven” of gold....

3 ways your property could be taxed as a homeowner

 Fiducia Wealth Management Posted in Tax Planning on 17.03.25 Read The UK property market has been a source of frustration, and the Labour government has identified the sector as a major barrier to economic growth. One of the areas that may be reviewed is how property is taxed.

Indeed, the Institute for Fiscal Studies suggested tax is damaging the housing market in a December 2024 podcast. 

For aspiring homeowners, soaring property prices mean many are struggling to save the...

How to reduce your Capital Gains Tax bill in 2025

 Fiducia Wealth Management Posted in Tax Planning, Capital Gains Tax on 17.03.25 Read A combination of rising rates and panic ahead of the current government’s first Autumn Budget has led to HRMC collecting a record amount in Capital Gains Tax (CGT) towards the end of 2024. 

According to a report in the Telegraph, between July and November 2024, CGT generated more than £1 billion for the government – more than a £200 million increase when compared to the same period in 2023. 

The rise in...

The potential perils of accessing your pension at 55

 Fiducia Wealth Management Posted in Pensions & Retirement, Company Pensions (+2 more), on 17.03.25 Read Reaching the minimum pension age and being able to access your retirement savings might mean new possibilities opening up. You may start thinking about giving up work, withdrawing a lump sum to pursue a goal, or using your pension to boost your regular income.  

It’s an exciting time, but it’s also important to evaluate your decisions and consider how they could affect your long-term plans. Indeed, spending...

3 retirement financial shocks that could affect your finances

 Fiducia Wealth Management Posted in Financial Advice, Pensions & Retirement on 17.03.25 Read Those who have retired or are nearing the milestone are consistently overlooking the risk of financial shocks when compared to other generations, a survey published in PensionsAge in December 2024 suggests.  

According to the report, 43% of over-50s had thought about financial shocks but not included the risks in their retirement plan. A further 32% haven’t considered risks at all. 

Later in life, you might...

Why ongoing financial advice could ease your mental load

 Fiducia Wealth Management Posted in Fiducia News on 17.03.25 Read Handling finances is a part of life and something that most people do, but that doesn’t mean it isn’t stressful. Indeed, many people don’t feel confident making financial decisions, and financial advice could ease their mental load.

Even when you’re relatively comfortable, managing your finances can be a cause of concern. Indeed, you might find it even more stressful as you may be considering how to...

The property market insights that may help you sell your home quicker

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Are you planning to sell your home this year? Understanding property market trends and what prospective buyers are looking for could help you sell your home quicker and potentially secure a better price.

Read on to discover some of Zoopla’s key findings after analysing 2024 data. 

August was the most popular month for moving 

Summer is often the busiest period in the property market, so it’s no surprise...

Is your estate worth more than £2 million? Your Inheritance Tax liability could be higher than you expect

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Often dubbed the “most hated tax” in the media, Inheritance Tax (IHT) is a tax on your estate when you pass away, which could reduce how much you leave behind for family and friends. If your estate is worth more than £2 million, the potential IHT bill might be higher than you expect. Read on to find out why.

Frozen thresholds mean the number of estates liable for IHT is on the rise. Indeed, according to a...
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