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Those who are struggling to make a payment should speak to their provider before they miss a payment as support may be available.\nMoney Helper provides a whole host of information for dealing with debt, along with a debt advice locator: ",{"_key":245,"_type":127,"marks":246,"text":248},"de9ea0838658",[247],"58bb236e7ce3","https:\u002F\u002Fwww.moneyhelper.org.uk\u002Fen\u002Fmoney-troubles\u002Fdealing-with-debt",[250],{"_key":247,"_type":228,"href":248},{"_key":252,"_type":123,"children":253,"level":203,"listItem":204,"markDefs":258,"style":190},"0f83b3d0a5f4",[254],{"_key":255,"_type":127,"marks":256,"text":257},"b646e290b65b",[],"Plan your shopping – Prior preparation is key when shopping for groceries or making any other purchases to reduce excess expenditure. Switching grocery brands, sometimes known as supermarket downshifting, can significantly reduce the price of your regular food shop.\nWhen it comes to big purchases such as white goods, discount vouchers are often available through voucher and discount websites, and many workplaces offer employee discount schemes (see tip 10).If you’re shopping for a particular product, there are comparison websites which can find the best price online. Alternatively, consider installing browser extensions which search for discount codes during online check-out.",[],{"_key":260,"_type":123,"children":261,"level":203,"listItem":204,"markDefs":266,"style":190},"0024b6404121",[262],{"_key":263,"_type":127,"marks":264,"text":265},"ddcc9f39bc10",[],"Save on household bills – From household bills to car insurance, broadband to mobile contracts, making changes to your outgoings which have a set price can seem impossible. 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Currently, employers are required to make a 3% minimum contribution with employees required to pay 5% to bring the total pension contribution to 8%. Increasing the amount, you pay into you pension may be something you wish to consider and finding out whether that would be affordable. Depending on the arrangement your employer has in place, they may match any additional contributions which can make a big difference for your future financial wellbeing. For example*, an additional 1% saved each year into a pension, matched by an employer, can increase a pension pot by 25% in retirement!\nAlso, don’t forget to keep track of all your pensions. If you have moved between jobs, you may have built up multiple pension pots. 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Figures",{"_key":1189,"_type":127,"marks":1190,"text":1192},"38c703177bb5",[1191],"17ee15d2aefd","[3]",{"_key":1194,"_type":127,"marks":1195,"text":1196},"83b70f57a3df",[]," reveal that of the 10.6 million carers in the UK, 16% of unpaid carers are in debt due to their caring role. This rises to 40% for those in receipt of Carer’s Allowance.",[1198],{"_key":1191,"_type":228,"href":1199},"https:\u002F\u002Fwww.wealthatwork.co.uk\u002Fcorporate\u002F2025\u002F06\u002F09\u002Fthe-cost-of-caring-and-why-employees-need-more-support\u002F#_ftn3",{"_key":1201,"_type":123,"children":1202,"markDefs":1207,"style":190},"72a77259e91e",[1203],{"_key":1204,"_type":127,"marks":1205,"text":1206},"1444d1612621",[],"Employers are becoming more aware of the financial pressures caused by caring responsibilities. Almost 3 out of 4 (73%) believe costs affecting working parents (e.g. childcare and maternity leave) is a financial wellbeing risk. Almost half (46%) of employers also recognise that costs affecting carers in the workplace (including eldercare) is a risk to financial wellbeing.",[],{"_key":1209,"_type":123,"children":1210,"markDefs":1215,"style":190},"764f3d426c3e",[1211],{"_key":1212,"_type":127,"marks":1213,"text":1214},"7fe8da1530f7",[],"Many employers are now looking to take action to better support this cohort of employees. Over two-fifths (41%) of employers have agreed that costs affecting carers (including eldercare and childcare) is a driver to improve financial wellbeing offerings in the future. As well as this, 50% of employers are currently offering or are looking to offer enhanced financial support above statutory minimums for working carers.",[],{"_key":1217,"_type":123,"children":1218,"markDefs":1223,"style":190},"1841f42c7ffb",[1219],{"_key":1220,"_type":127,"marks":1221,"text":1222},"23e2f5bc30c9",[197],"Jonathan Watts-Lay, Director, WEALTH at work comments;",[],{"_key":1225,"_type":123,"children":1226,"markDefs":1231,"style":190},"cc27d8d32a64",[1227],{"_key":1228,"_type":127,"marks":1229,"text":1230},"e2550f05b4a8",[],"“The spiraling cost of caring for children, elderly relatives or others is having an increased impact on workplace financial wellbeing strategies. It’s good news that employers are acting on the need to provide support for this cohort.”",[],{"_key":1233,"_type":123,"children":1234,"markDefs":1239,"style":190},"c2f307ddd7b2",[1235],{"_key":1236,"_type":127,"marks":1237,"text":1238},"8240aa7afbb0",[],"He adds; “It’s really important that employers check that any support provided is suitable and effective for their workforce and that employees know how to access it. Financial education is the key element which underpins it all. After all, financial wellbeing is about being able to make informed choices about your finances, whether you are a new parent managing childcare costs, struggling to pay the monthly bills, saving for a first home, or planning for retirement. Ultimately, helping the workforce to become more financially resilient throughout their career, is a win for employers and employees alike.”",[],{"_key":1241,"_type":123,"children":1242,"markDefs":1247,"style":190},"a1b8d5d1c779",[1243],{"_key":1244,"_type":127,"marks":1245,"text":1246},"dbf6422e7395",[],"To help, see our tips on how to support employees to improve their financial wellbeing, no matter what life event they may be experiencing:",[],{"_key":1249,"_type":123,"children":1250,"level":203,"listItem":204,"markDefs":1259,"style":190},"62b153a33d8b",[1251,1255],{"_key":1252,"_type":127,"marks":1253,"text":1254},"6af9dd971b0e",[197],"Help employees build financial resilience:",{"_key":1256,"_type":127,"marks":1257,"text":1258},"0b40a381245a",[]," Employees should be supported to navigate challenges such as how to manage debt and create a budget when finances may be tight. Positive savings habits can also be encouraged through offering saving vehicles such as a Workplace ISA.",[],{"_key":1261,"_type":123,"children":1262,"level":203,"listItem":204,"markDefs":1271,"style":190},"dfcf52bd5f62",[1263,1267],{"_key":1264,"_type":127,"marks":1265,"text":1266},"8353412c4a33",[197],"Empower your people with engaging education:",{"_key":1268,"_type":127,"marks":1269,"text":1270},"f30b85cfb2b3",[]," Many leading employers recognise the need to help their people improve the way they manage their money, build financial resilience and navigate life events, and provide financial education and guidance in the workplace to help.",[],{"_key":1273,"_type":123,"children":1274,"level":203,"listItem":204,"markDefs":1283,"style":190},"04e53922e734",[1275,1279],{"_key":1276,"_type":127,"marks":1277,"text":1278},"1a74c09b306e",[197],"Offer tailored support:",{"_key":1280,"_type":127,"marks":1281,"text":1282},"be33dc3255c4",[]," To make it meaningful, financial education should be tailored to each demographic in the workplace. For example, this could be by career stage or based on life events such as becoming a new parent.",[],{"_key":1285,"_type":123,"children":1286,"level":203,"listItem":204,"markDefs":1295,"style":190},"0a72a7c975c1",[1287,1291],{"_key":1288,"_type":127,"marks":1289,"text":1290},"7da546213b19",[197],"Bring in a provider:",{"_key":1292,"_type":127,"marks":1293,"text":1294},"9300821418c3",[]," Taking a proactive approach and working with financial wellbeing specialists is a great way to help people engage with their finances throughout their career.",[],[1297,1304],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},"2025-05-20T13:27:13Z","tag-4","rdmNtg5C0T9NJejdRi5O7z","2025-06-26T13:05:31Z","wealth-at-work-corporate","Wealth at Work Corporate",{"_createdAt":371,"_id":372,"_rev":373,"_system":1305,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":1307,"title":381},{"base":1306},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":1309,"blogPostMeta":1310,"content":1354,"tag":1514,"title":1353},"442e9cbd-b7d4-4eef-8998-df9d61d0df76",{"_type":56,"featuredImage":1311,"featuredVideo":115,"preview":1349,"publishedAt":1350,"slug":1351,"title":1353},{"_type":58,"asset":1312},{"_createdAt":1313,"_id":1314,"_rev":62,"_type":63,"_updatedAt":64,"assetId":1315,"extension":393,"metadata":1316,"mimeType":421,"opt":1339,"originalFilename":1344,"path":1345,"sha1hash":1315,"size":1346,"uploadId":1347,"url":1348},"2025-06-16T10:11:27Z","image-0f5e3063b7ed0399f857ec432410934b4125714c-1000x667-jpg","0f5e3063b7ed0399f857ec432410934b4125714c",{"_type":68,"blurHash":1317,"dimensions":1318,"hasAlpha":4,"isOpaque":75,"lqip":1319,"palette":1320},"VFG*sM~9EMDi4nAIE2xZE1tRwaROX9bb-pbwNHs.t7NG",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAGAAAAwEBAAAAAAAAAAAAAAAAAAYHAgX\u002FxAAlEAACAQMDAwUBAAAAAAAAAAABAgMABAUGESETIjEHEhQyYXH\u002FxAAVAQEBAAAAAAAAAAAAAAAAAAAEBf\u002FEABoRAQADAAMAAAAAAAAAAAAAAAEAAgMEESH\u002F2gAMAwEAAhEDEQA\u002FANenmGlXSNuwiLIq8tSxfCfJ5XJW1u0rCJhH0x9NvO5qh2GGkmxFvFaX89pHCD2x+G\u002FopfmiaxywSB1Usd3YJsXP7U7PkVUJRtggs50es1sh8eSyUOnaQX5oqWawyd1jtSX8COsg6hb3MvPNFN9gu6z\u002F2Q==",{"_type":78,"darkMuted":1321,"darkVibrant":1324,"dominant":1327,"lightMuted":1330,"lightVibrant":1333,"muted":1335,"vibrant":1338},{"_type":80,"background":1322,"foreground":82,"population":1323,"title":82},"#3a2a21",4.39,{"_type":80,"background":1325,"foreground":82,"population":1326,"title":82},"#553623",4.21,{"_type":80,"background":1328,"foreground":82,"population":1329,"title":82},"#9b6e49",6.08,{"_type":80,"background":1331,"foreground":92,"population":1332,"title":92},"#dfcdb6",3.05,{"_type":80,"background":1334,"foreground":92,"population":1329,"title":82},"#ddb796",{"_type":80,"background":1336,"foreground":82,"population":1337,"title":82},"#9f7b60",2.33,{"_type":80,"background":1328,"foreground":82,"population":1329,"title":82},{"media":1340},{"tags":1341},[1342],{"_key":1343,"_ref":108,"_type":109,"_weak":75},"ANH4fks4sUtAlUeXoeKIY","shutterstock_1912253137.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F0f5e3063b7ed0399f857ec432410934b4125714c-1000x667.jpg",546992,"V1KYTuzAy1LLOARThVt6ejdvrxlENrGN","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F0f5e3063b7ed0399f857ec432410934b4125714c-1000x667.jpg","The beginning of 2025 has brought a sense of uncertainty for many. Developments such as new trade tariffs under Donald Trump and the rise in National Insurance have placed added pressure on businesses, with some facing difficult decisions including the possibility of redundancies.","2025-05-30T10:11:00.000Z",{"_type":9,"current":1352},"10-tips-to-help-employees-take-control-of-their-finances-during-uncertain-times","10 tips to help employees take control of their finances during uncertain times.",[1355,1363,1371,1386,1398,1410,1422,1434,1446,1458,1470,1482,1494,1506],{"_key":1356,"_type":123,"children":1357,"markDefs":1362,"style":190},"cf62c59fb144",[1358],{"_key":1359,"_type":127,"marks":1360,"text":1361},"efc7ac9ec500",[],"The beginning of 2025 has brought a sense of uncertainty for many. Developments such as new trade tariffs under Donald Trump and the rise in National Insurance have placed added pressure on businesses, with some facing difficult decisions including the possibility of redundancies. At the same time, ongoing global conflicts continue to contribute to wider concerns about the future.",[],{"_key":1364,"_type":123,"children":1365,"markDefs":1370,"style":190},"860d8d99a4eb",[1366],{"_key":1367,"_type":127,"marks":1368,"text":1369},"ebb70d7372b4",[],"These factors combined with the high cost of living, can make it difficult for people to gain control over their finances. WEALTH at work’s research of over 2,000 UK workers found that the biggest financial concerns for the year include not having enough savings for unexpected costs (42%), not being able to save enough for the future (37%), not being able to pay basic living costs such as rent, mortgage payments, energy bills, food etc. (34%) and being in debt (29%).\nHowever, there are steps people can take to improve their financial situation. To help, WEALTH at work, a leading financial wellbeing, retirement and workplace savings specialist, has listed 10 tips for employers to share with their employees to help them take control of their finances.",[],{"_key":1372,"_type":123,"children":1373,"markDefs":1385,"style":190},"6549de27a634",[1374,1378,1381],{"_key":1375,"_type":127,"marks":1376,"text":1377},"28c3bdb18443",[],"1. ",{"_key":1379,"_type":127,"marks":1380,"text":198},"25ce37d4c597",[197],{"_key":1382,"_type":127,"marks":1383,"text":1384},"887bfe7365c9",[]," – The first step is to create a budget. This means working out exactly what your income is, and what outgoings you have e.g. mortgage, debt, childcare, insurance and utility bills. If the amount of money needed each month is more than the amount coming in, you can then work out what action needs to be taken to cover the costs. MoneyHelper has a great budget planner: moneyhelper.org.uk\u002Fen\u002Feveryday-money\u002Fbudgeting\u002Fbudget-planner",[],{"_key":1387,"_type":123,"children":1388,"markDefs":1397,"style":190},"0e6b8c827925",[1389,1393],{"_key":1390,"_type":127,"marks":1391,"text":1392},"8d754f415565",[197],"2. Track finances",{"_key":1394,"_type":127,"marks":1395,"text":1396},"ee767966452c",[]," – After creating a budget it is important to keep track of spending. Small changes such as ditching takeaways, taking lunch to work and learning to budget can make a huge difference. For example, the average household in the UK spends £1,278 on food at takeaways and restaurants each year. There are many free budgeting apps available which will help to track spending on groceries, eating out, entertainment etc.",[],{"_key":1399,"_type":123,"children":1400,"markDefs":1409,"style":190},"d6d9573fef19",[1401,1405],{"_key":1402,"_type":127,"marks":1403,"text":1404},"9386fffafd35",[197],"3. Make managing debt a priority",{"_key":1406,"_type":127,"marks":1407,"text":1408},"226ce8de402f",[]," – There are many different types of debt with varying rates of interest. For example, credit cards and overdrafts can have rates of 18% – 40%. It is often a good idea to make paying off expensive debts a priority. For instance, a debt of £3,000 with a rate of 18% APR, could take 10 years and 10 months to pay off, if paying £50 a month, with a total interest paid of £3,495. If that monthly payment was increased to £100 a month, the debt would be paid off in 3 years and 4 months, and interest paid would be only £908. A good option could be to consolidate any debts into a 0% or low interest balance transfer card, as more money will go towards paying the debt off. This would allow it to be cleared over a shorter time period.",[],{"_key":1411,"_type":123,"children":1412,"markDefs":1421,"style":190},"f280a74b684a",[1413,1417],{"_key":1414,"_type":127,"marks":1415,"text":1416},"edec059fc683",[197],"4. Shop wisely",{"_key":1418,"_type":127,"marks":1419,"text":1420},"b5d8e86e89e2",[]," – By switching brands it might be possible to significantly reduce the price of a regular shop. In addition, by planning for the weekly shop in advance, it may help to search for deals and reduce expenditure on non-essential items. Discount vouchers are often available through voucher and discount websites, and some people have access to discount vouchers through their employer. This could mean big savings for those who need to make a costly purchase, such as if the washing machine breaks.",[],{"_key":1423,"_type":123,"children":1424,"markDefs":1433,"style":190},"8d764d1117ef",[1425,1429],{"_key":1426,"_type":127,"marks":1427,"text":1428},"ed7a25d1a6dd",[197],"5. Check for savings on household bills",{"_key":1430,"_type":127,"marks":1431,"text":1432},"affc276722f8",[]," – When shopping around, it is possible to make significant savings on a range of household bills such as car, home and pet insurance, and broadband and mobile suppliers. Price comparison websites can help to make it easier to compare the different deals available.",[],{"_key":1435,"_type":123,"children":1436,"markDefs":1445,"style":190},"7e326ad39e04",[1437,1441],{"_key":1438,"_type":127,"marks":1439,"text":1440},"e3daea4423e9",[197],"6. Start an emergency fund –",{"_key":1442,"_type":127,"marks":1443,"text":1444},"14f57c4d9792",[]," Having money put aside for emergencies can reduce reliance on debt for unexpected costs such as car repairs, house maintenance or a reduction in household income. As a general rule of thumb, it’s a good idea to aim for an emergency fund that can cover several months of bills. People should work out if they can afford to put some money aside each month, as even small amounts can add up. Setting up a regular transfer to a savings account can be a useful way of separating this money from regular expenditure. MoneyHelper offers a savings calculator to help determine how long it will take to reach a savings goal: https:\u002F\u002Fwww.moneyhelper.org.uk\u002Fen\u002Fsavings\u002Fhow-to-save\u002Fsavings-calculator",[],{"_key":1447,"_type":123,"children":1448,"markDefs":1457,"style":190},"042af42fd594",[1449,1453],{"_key":1450,"_type":127,"marks":1451,"text":1452},"30a671eeba8b",[197],"7. Set up a savings standing order",{"_key":1454,"_type":127,"marks":1455,"text":1456},"bd0f88f5b9a1",[]," – If people are able to save it is often a good idea to set up a standing order for saving into an ISA, often this means that they don’t notice that the money is going into their savings.",[],{"_key":1459,"_type":123,"children":1460,"markDefs":1469,"style":190},"5f3120b7d9ec",[1461,1465],{"_key":1462,"_type":127,"marks":1463,"text":1464},"bfbb27d5f0b3",[197],"8. Start saving early",{"_key":1466,"_type":127,"marks":1467,"text":1468},"bac1732dae0c",[]," – Saving from a younger age means that money has more time to grow. ISAs are a great way to start saving and provide a tax efficient way to create an emergency fund, or for something you may want in the future. It is important to make sure that you’re saving into a pension from early on and aren’t tempted to opt out. Many are already paying 5% of their salary into their workplace pension through auto-enrolment, with an additional 3% employer contribution. However, we know that many employers will match any additional contributions (up to certain limits). In fact, if an employee is in their 20s, by saving an extra 1% a year with their employer matching this, it is possible to increase their pension pot in retirement by 25%.",[],{"_key":1471,"_type":123,"children":1472,"markDefs":1481,"style":190},"08caff3528ae",[1473,1477],{"_key":1474,"_type":127,"marks":1475,"text":1476},"290b7f1ad8c8",[197],"9. Beware of scams",{"_key":1478,"_type":127,"marks":1479,"text":1480},"69998a724a0f",[]," – Scammers can often prey on people when they may be more vulnerable such as if they are struggling financially. Fraudsters can sound completely legitimate and it’s easy to see why so many are fooled. Research from WEALTH at work found that 12% of UK adults have admitted to losing money to a financial scam between 2023 and 2024. This could potentially equate to 6.2 million adults across the UK. If someone contacts an individual with an offer which seems too good to be true, it’s vital they check whether the company is registered with the Financial Conduct Authority (FCA). The FCA’s ScamSmart website is also a good site to visit as it includes a warning list of companies operating without authorisation or running scams.",[],{"_key":1483,"_type":123,"children":1484,"markDefs":1493,"style":190},"f87a456196c3",[1485,1489],{"_key":1486,"_type":127,"marks":1487,"text":1488},"b1649575b413",[197],"10. Take action",{"_key":1490,"_type":127,"marks":1491,"text":1492},"220587ceeadd",[]," – People shouldn’t worry if they don’t know where to start, as there is plenty of help available. It’s always worth speaking to lenders too as they may be able to help those struggling with repayments and Citizens Advice can help with understanding on how to deal with any debts. Many leading employers are also a great source of support and offer financial education and guidance to help with a full range of money matters, as well as providing access to savings vehicles such as ISAs and Share Plans to help build financial resilience.",[],{"_key":1495,"_type":123,"children":1496,"markDefs":1505,"style":190},"7524e3479817",[1497,1501],{"_key":1498,"_type":127,"marks":1499,"text":1500},"76888fb8bc75",[197],"Jonathan Watts-Lay, Director, WEALTH at work, comments",{"_key":1502,"_type":127,"marks":1503,"text":1504},"867c17f67b4e",[],"; “Many people are continuing to feel the financial squeeze on household income. However, it’s important for people to not bury their heads in the sand and access the support available to get on top of their finances.",[],{"_key":1507,"_type":123,"children":1508,"markDefs":1513,"style":190},"cc0a05f08d00",[1509],{"_key":1510,"_type":127,"marks":1511,"text":1512},"4f740c22e6ea",[],"He adds; “Most would benefit from having a better understanding of money but are confused where to start. Proactive employers are actively working to help employees improve their financial future by providing a range of financial wellbeing support. This includes financial education and guidance through financial coaches, as well as access to savings vehicles such as Workplace ISAs or Share Plans to build financial resilience. This can make a huge difference by giving people the opportunity to understand their finances, including ways to save money, learn about budgeting, manage debt, and how to boost savings and prepare for retirement. After all, when employees feel in control of their finances, overall wellbeing is improved which in turn can lead to increased productivity and less absenteeism in the workplace.”",[],[1515,1516],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":1517,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":1519,"title":381},{"base":1518},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":1521,"blogPostMeta":1522,"content":1565,"tag":1761,"title":1564},"baa11a8e-912a-470e-87dc-3a989cbb542a",{"_type":56,"featuredImage":1523,"featuredVideo":115,"preview":1560,"publishedAt":1561,"slug":1562,"title":1564},{"_type":58,"asset":1524},{"_createdAt":1525,"_id":1526,"_rev":62,"_type":63,"_updatedAt":64,"assetId":1527,"extension":393,"metadata":1528,"mimeType":421,"opt":1550,"originalFilename":1555,"path":1556,"sha1hash":1527,"size":1557,"uploadId":1558,"url":1559},"2025-06-16T10:10:37Z","image-134155ce9d218f818d9a53398ee56282fb1ea246-1000x667-jpg","134155ce9d218f818d9a53398ee56282fb1ea246",{"_type":68,"blurHash":1529,"dimensions":1530,"hasAlpha":4,"isOpaque":75,"lqip":1531,"palette":1532},"VXJH:d?Gx[OsSjpdR*%Nxan$_NS6sls8xanNjERjRjj[",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwAAAwEAAAAAAAAAAAAAAAAAAAUGB\u002F\u002FEACMQAAEDBAEEAwAAAAAAAAAAAAECAwQABQYRIQcSE2EUMTL\u002FxAAVAQEBAAAAAAAAAAAAAAAAAAACAP\u002FEABsRAAICAwEAAAAAAAAAAAAAAAACAQMSEzEU\u002F9oADAMBAAIRAxEAPwCzye+uXJm\u002FqgPra+QU+B1v9DQ51UXbMqkxzZGrq64\u002FKiLXtShyrf1utBg4rAhLYht+Qpa0kLJ5I90vyzFIj93ivd6kFvkJSkAcUa2syaW4KylMFheia89U2YlyeaXEBIIOyfVFKrtgdtmTnH31uFxfJNFW9AeZz\u002F\u002FZ",{"_type":78,"darkMuted":1533,"darkVibrant":1535,"dominant":1538,"lightMuted":1539,"lightVibrant":1542,"muted":1544,"vibrant":1547},{"_type":80,"background":1534,"foreground":82,"population":1122,"title":82},"#3a4d55",{"_type":80,"background":1536,"foreground":82,"population":1537,"title":82},"#0d313e",1.04,{"_type":80,"background":1534,"foreground":82,"population":1122,"title":82},{"_type":80,"background":1540,"foreground":92,"population":1541,"title":82},"#c9b19d",7.47,{"_type":80,"background":1543,"foreground":92,"population":419,"title":92},"#fcc474",{"_type":80,"background":1545,"foreground":82,"population":1546,"title":82},"#a2765c",2.06,{"_type":80,"background":1548,"foreground":92,"population":1549,"title":82},"#bf936e",7.72,{"media":1551},{"tags":1552},[1553],{"_key":1554,"_ref":108,"_type":109,"_weak":75},"4PYG98WYazUx5xzEO1f5T","10-tips-to-take-control-of-your-finances-images.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F134155ce9d218f818d9a53398ee56282fb1ea246-1000x667.jpg",363940,"3ORqY8YPmK04sUHvX9NC9hOM8XPLukyW","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F134155ce9d218f818d9a53398ee56282fb1ea246-1000x667.jpg","\nRecent market turbulence has been unsettling for many, especially those considering investing. It is natural for people to feel a level of uncertainty, and many new investors may be tempted to hold their funds in cash. ","2025-05-29T10:10:00.000Z",{"_type":9,"current":1563},"investing-in-turbulent-times:-what-employees-should-consider","Investing in turbulent times: what employees should consider.",[1566,1574,1582,1590,1598,1606,1614,1622,1630,1638,1646,1654,1662,1670,1678,1686,1694,1702,1710,1718,1726,1737,1745,1753],{"_key":1567,"_type":123,"children":1568,"markDefs":1573,"style":190},"5041665e57cb",[1569],{"_key":1570,"_type":127,"marks":1571,"text":1572},"001a2a3a6a6d",[],"Recent market turbulence has been unsettling for many, especially those considering investing. It is natural for people to feel a level of uncertainty, and many new investors may be tempted to hold their funds in cash. However, it’s important to remember that investing is a long-term commitment and resisting reactive decisions is crucial.",[],{"_key":1575,"_type":123,"children":1576,"markDefs":1581,"style":190},"e6777b45e965",[1577],{"_key":1578,"_type":127,"marks":1579,"text":1580},"22fc9f3c5dd0",[],"WEALTH at work, a leading financial wellbeing, retirement and workplace savings specialist, outlines below what employees should consider when investing.",[],{"_key":1583,"_type":123,"children":1584,"level":203,"listItem":204,"markDefs":1589,"style":190},"cb99a2075d26",[1585],{"_key":1586,"_type":127,"marks":1587,"text":1588},"bb178f497077",[197],"Make the most of tax-free allowances",[],{"_key":1591,"_type":123,"children":1592,"markDefs":1597,"style":190},"0bbfc31c200f",[1593],{"_key":1594,"_type":127,"marks":1595,"text":1596},"767f9eac38e4",[],"Over the past three years, the Capital Gains Tax (CGT) allowance has been reduced dramatically from £12,300 a year, down to just £3,000.",[],{"_key":1599,"_type":123,"children":1600,"markDefs":1605,"style":190},"ba3160312662",[1601],{"_key":1602,"_type":127,"marks":1603,"text":1604},"ffef3a0c1858",[],"In addition, in last year’s Autumn Budget, the government increased the rate at which people pay CGT from 10% to 18% for basic rate taxpayers, and from 20% to 24% for higher rate taxpayers.",[],{"_key":1607,"_type":123,"children":1608,"markDefs":1613,"style":190},"ffbcc3c615cc",[1609],{"_key":1610,"_type":127,"marks":1611,"text":1612},"b89399e250f3",[],"One of the best ways for investors to reduce their CGT liability is to hold investments within a tax-efficient ‘wrapper’ such as an ISA. Investments (or ‘assets’) within an ISA wrapper are not subject to CGT, meaning any increase in value is tax free.",[],{"_key":1615,"_type":123,"children":1616,"markDefs":1621,"style":190},"3c2eaa1e6cfb",[1617],{"_key":1618,"_type":127,"marks":1619,"text":1620},"d4a670b399f5",[197],"2. Maximise your ISA allowance – use it or lose it",[],{"_key":1623,"_type":123,"children":1624,"markDefs":1629,"style":190},"082d158c9685",[1625],{"_key":1626,"_type":127,"marks":1627,"text":1628},"6cedc22e48d2",[],"For the 2025-26 tax year individuals have the opportunity to invest up to £20,000 in ISAs with all growth remaining tax-free. However, if people don’t take advantage of this limit by 5 April 2026, they will lose it as it does not carry over to the next year.",[],{"_key":1631,"_type":123,"children":1632,"markDefs":1637,"style":190},"20a7788d8723",[1633],{"_key":1634,"_type":127,"marks":1635,"text":1636},"225f1c69ec38",[],"Many workplaces now offer a Workplace ISA which can provide employees with a tax efficient way to invest and with the benefit of preferential rates compared to what is available on the high street. Individuals who are looking to maximise savings should speak to their employer to find out what support they offer.",[],{"_key":1639,"_type":123,"children":1640,"markDefs":1645,"style":190},"9750fb97f3d7",[1641],{"_key":1642,"_type":127,"marks":1643,"text":1644},"727d40d95f5e",[197],"3. Stay focused on longevity",[],{"_key":1647,"_type":123,"children":1648,"markDefs":1653,"style":190},"ad2c6ff9a59e",[1649],{"_key":1650,"_type":127,"marks":1651,"text":1652},"23536400a5b1",[],"The ups and downs of the stock market are affected by many political and economic factors. However, when investing it is essential to stay focused on long-term goals which can be a challenge when faced with short-term volatility. These ups and downs are a natural part of investing and don’t always reflect the strength of the companies invested in.",[],{"_key":1655,"_type":123,"children":1656,"markDefs":1661,"style":190},"2124496b04ee",[1657],{"_key":1658,"_type":127,"marks":1659,"text":1660},"ed00e642beb9",[],"Predicting the perfect time to invest is nearly impossible, even for experienced professionals. During turbulent times, it can be tempting to make hasty changes. However, market dips are often followed by rebounds, and if money is kept on the sidelines, significant growth may be missed out on.",[],{"_key":1663,"_type":123,"children":1664,"markDefs":1669,"style":190},"b593a593666b",[1665],{"_key":1666,"_type":127,"marks":1667,"text":1668},"9fa4190b6b2a",[],"Of course, there are risks and investments could go down as well as up. But over long periods, shares tend to rise and generally offer better returns than holding cash. History has shown that the market has faced various sell-offs, such as global financial crisis or COVID-19. But these periods of short-term volatility often pave the way for long-term opportunities and growth.",[],{"_key":1671,"_type":123,"children":1672,"markDefs":1677,"style":190},"53b0fa4fe75d",[1673],{"_key":1674,"_type":127,"marks":1675,"text":1676},"a051cc0735e4",[197],"4. Ensure investments suit your goals and attitude to risk",[],{"_key":1679,"_type":123,"children":1680,"markDefs":1685,"style":190},"98ddfdf8db6a",[1681],{"_key":1682,"_type":127,"marks":1683,"text":1684},"ac104a39e6e0",[],"Investing can feel like a big decision, but it’s easier to stay on track when someone’s investments align with what they’re aiming for and how much risk what they’re comfortable with.",[],{"_key":1687,"_type":123,"children":1688,"markDefs":1693,"style":190},"ea7b80d7e432",[1689],{"_key":1690,"_type":127,"marks":1691,"text":1692},"d01ed44b124b",[],"People should consider their goals such as, are they saving for a house, retirement, or something else? Investment choices should match the timeline and purpose behind someone’s savings. Also, attitude to risk is one of the most important factors to consider. In general, high-risk investments can offer higher return potential but pose a greater chance of losing value. Whereas low-risk investments may offer potentially lower returns but pose less probability of decreasing in value.",[],{"_key":1695,"_type":123,"children":1696,"markDefs":1701,"style":190},"027e93ac27e4",[1697],{"_key":1698,"_type":127,"marks":1699,"text":1700},"1680383e1f58",[],"By considering both goals and attitude towards risk, individuals would be more likely to build a portfolio that works for them and allows them to stay committed to their investment plan during turbulent times.",[],{"_key":1703,"_type":123,"children":1704,"markDefs":1709,"style":190},"41b380ca09e2",[1705],{"_key":1706,"_type":127,"marks":1707,"text":1708},"b3b12353ac34",[197],"5. Build a Portfolio with Global Reach",[],{"_key":1711,"_type":123,"children":1712,"markDefs":1717,"style":190},"903448ed49f3",[1713],{"_key":1714,"_type":127,"marks":1715,"text":1716},"1d10f515c473",[],"Globally diversified investment portfolios across various sectors, regions, and asset classes, are built to weather volatility. Diversifying globally can open the door to growth opportunities in different markets, while reducing the impact from downturns in specific areas. This approach can help avoid big losses and potentially keeps returns more consistent in the long run.",[],{"_key":1719,"_type":123,"children":1720,"markDefs":1725,"style":190},"a74ef8b3d9dd",[1721],{"_key":1722,"_type":127,"marks":1723,"text":1724},"73b5de2ffb58",[],"ISAs allow you to hold a wide range of investments such as cash, bonds, and shares from the UK and around the world without paying any tax on the returns. Since your savings and investments can grow free from income tax and Capital Gains Tax within an ISA, it makes sense to take full advantage of this tax-efficient option.",[],{"_key":1727,"_type":123,"children":1728,"markDefs":1736,"style":190},"3d76b8fd3041",[1729,1732],{"_key":1730,"_type":127,"marks":1731,"text":1500},"a9887b5b76ea",[197],{"_key":1733,"_type":127,"marks":1734,"text":1735},"1ec53428610d",[],";",[],{"_key":1738,"_type":123,"children":1739,"markDefs":1744,"style":190},"69377cd24a9b",[1740],{"_key":1741,"_type":127,"marks":1742,"text":1743},"e63e26e53a91",[],"“There have been many reductions in tax allowances and increases in tax rates over recent times, so maximising ISA contributions and making the most of allowances such as CGT is more important than ever.",[],{"_key":1746,"_type":123,"children":1747,"markDefs":1752,"style":190},"1e08f9e4d6c8",[1748],{"_key":1749,"_type":127,"marks":1750,"text":1751},"040248d2f14f",[],"If people are considering investing, maintaining a long-term investment strategy can help lead to favourable returns, especially when markets are volatile. After all, successful investing is about time in the market, not timing the market.",[],{"_key":1754,"_type":123,"children":1755,"markDefs":1760,"style":190},"c247172b423a",[1756],{"_key":1757,"_type":127,"marks":1758,"text":1759},"3dfb6155d99c",[],"Many employers offer financial education to help people understand savings methods, as well as access to savings vehicles like Workplace ISAs that provide a tax efficient way to invest. Providing financial wellbeing support in the workplace to help people improve their financial future can only be a good thing.”",[],[1762,1763],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":1764,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":1766,"title":381},{"base":1765},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":1768,"blogPostMeta":1769,"content":1813,"tag":2060,"title":1812},"1b1ebc58-7c9b-4dd8-acf3-04abbb79f04f",{"_type":56,"featuredImage":1770,"featuredVideo":115,"preview":1808,"publishedAt":1809,"slug":1810,"title":1812},{"_type":58,"asset":1771},{"_createdAt":1772,"_id":1773,"_rev":62,"_type":63,"_updatedAt":64,"assetId":1774,"extension":393,"metadata":1775,"mimeType":421,"opt":1798,"originalFilename":1803,"path":1804,"sha1hash":1774,"size":1805,"uploadId":1806,"url":1807},"2025-06-16T10:09:10Z","image-3eed498e655686c0cbeb31bf7eb12a7575fcf737-1000x667-jpg","3eed498e655686c0cbeb31bf7eb12a7575fcf737",{"_type":68,"blurHash":1776,"dimensions":1777,"hasAlpha":4,"isOpaque":75,"lqip":1778,"palette":1779},"VVM7or?c?vMxRP~pt7M|kCjbngkWRjx[kWNJn$VsWCoe",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwABAQEBAAAAAAAAAAAAAAAABwAEBv\u002FEACUQAAICAgIBAgcAAAAAAAAAAAECAwQAEQUSBjFRExQVIWFxgf\u002FEABYBAQEBAAAAAAAAAAAAAAAAAAECA\u002F\u002FEABoRAAMBAAMAAAAAAAAAAAAAAAABAhEDEiH\u002F2gAMAwEAAhEDEQA\u002FAH2xZhlsWEhkVWZwOxOv5h1Y8pQ+ffSrdmP5RdorenVv3mnyUpT4O3LApX4v3IDHYPuDhFwiwWrk+4mDRKZOzP2JP5OGQvbZUKqeSO1viadqYyFo3PpveWc3xd6N6ELmvpmUE6kI2ffLMe0i+Okf\u002F9k=",{"_type":78,"darkMuted":1780,"darkVibrant":1783,"dominant":1786,"lightMuted":1789,"lightVibrant":1790,"muted":1792,"vibrant":1795},{"_type":80,"background":1781,"foreground":82,"population":1782,"title":82},"#333f57",0.36,{"_type":80,"background":1784,"foreground":82,"population":1785,"title":82},"#102c61",0.53,{"_type":80,"background":1787,"foreground":92,"population":1788,"title":82},"#c9c6ba",4.27,{"_type":80,"background":1787,"foreground":92,"population":1788,"title":82},{"_type":80,"background":1791,"foreground":92,"population":413,"title":92},"#f2d8c5",{"_type":80,"background":1793,"foreground":82,"population":1794,"title":82},"#946a54",3.19,{"_type":80,"background":1796,"foreground":82,"population":1797,"title":82},"#547dbc",0.37,{"media":1799},{"tags":1800},[1801],{"_key":1802,"_ref":108,"_type":109,"_weak":75},"-bkmIgVyFauUPu0x_iXr3","shutterstock_1824965774.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F3eed498e655686c0cbeb31bf7eb12a7575fcf737-1000x667.jpg",516850,"ESmnLQ5a41oF8JAcQRcmKOjllQSGpvpx","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F3eed498e655686c0cbeb31bf7eb12a7575fcf737-1000x667.jpg","Recent market turbulence has been unsettling for many, especially for those planning to retire.","2025-05-29T10:09:00.000Z",{"_type":9,"current":1811},"retiring-in-turbulent-times:-what-employees-should-consider","Retiring in turbulent times: what employees should consider.",[1814,1821,1829,1837,1845,1853,1861,1869,1877,1916,1924,1932,1940,1948,1956,1964,1972,1980,1988,1996,2004,2032,2040,2048],{"_key":1815,"_type":123,"children":1816,"markDefs":1820,"style":190},"beeccff68687",[1817],{"_key":1818,"_type":127,"marks":1819,"text":1808},"e56db4c8cd78",[],[],{"_key":1822,"_type":123,"children":1823,"markDefs":1828,"style":190},"982a68becf7d",[1824],{"_key":1825,"_type":127,"marks":1826,"text":1827},"e1dbd3500477",[],"WEALTH at work, a leading financial wellbeing, retirement and workplace savings specialist, has outlined what employees who are approaching retirement will need to consider.",[],{"_key":1830,"_type":123,"children":1831,"markDefs":1836,"style":190},"b5a03446382d",[1832],{"_key":1833,"_type":127,"marks":1834,"text":1835},"2cd8d32f021e",[197],"1. Work out costs in retirement",[],{"_key":1838,"_type":123,"children":1839,"markDefs":1844,"style":190},"6fb9b54c0fad",[1840],{"_key":1841,"_type":127,"marks":1842,"text":1843},"3ed8cb185dd4",[],"A good place to start is to work out how much will be needed to meet day-to-day living expenses (such as household bills) and discretionary expenditures (such as holidays and hobbies) in retirement. According to the Pensions and Lifetime Savings Association (PLSA ), a single person will need about £14,400 a year to achieve the minimum standard of living (this would cover all a retiree’s needs plus enough for some leisure activities such as a week’s holiday in the UK and eating out occasionally); £31,300 a year for a moderate standard of living (one foreign holiday a year and more frequent eating out); and £43,100 a year for a comfortable standard of living (this would cover all a retiree’s needs plus two foreign holidays a year and some luxuries such as regular beauty treatments). For couples, it’s £22,400, £43,100 and £59,000, respectively.",[],{"_key":1846,"_type":123,"children":1847,"markDefs":1852,"style":190},"d8a7cebe6e6e",[1848],{"_key":1849,"_type":127,"marks":1850,"text":1851},"68cc99c3fc48",[197],"2. Is retirement affordable?",[],{"_key":1854,"_type":123,"children":1855,"markDefs":1860,"style":190},"8badfc8bf171",[1856],{"_key":1857,"_type":127,"marks":1858,"text":1859},"729009cb1429",[],"People then need to think about if they have enough put aside to afford retirement. Or do they need to work a little longer or perhaps part-time? Many may be questioning this right now, especially if their pension has fallen in value due to market volatility. When doing your sums, don’t forget to consider longevity, in terms of how long you think you will live, as research has found that most people live longer than they expect. The Office for National Statistics (ONS) estimates that average life expectancy in the UK for people aged 65 will be 85 years for men and 88 years for women. Also, it’s important to keep in mind that when you retire, you are likely to be paying less income tax, no National Insurance (NI), mortgages and loans may be paid off, there will be no more pension contributions, and any children are likely to be financially independent. With these reductions in costs, the income needed in retirement is likely to be less than required during working life.",[],{"_key":1862,"_type":123,"children":1863,"markDefs":1868,"style":190},"922f5916fac9",[1864],{"_key":1865,"_type":127,"marks":1866,"text":1867},"5d4073330f83",[197],"3. Track down all pensions",[],{"_key":1870,"_type":123,"children":1871,"markDefs":1876,"style":190},"9635f5f4cbc8",[1872],{"_key":1873,"_type":127,"marks":1874,"text":1875},"8ec81da1d397",[],"At least 4.8 million pension pots are considered to be ‘lost’ among the UK population, with 1 in 10 workers believing they could have lost a pension pot worth more than £10,000. One of the main reasons for this is because a person will have on average 9 jobs in their lifetime, so could easily end up with many different pension pots with several providers which can easily be forgotten about.",[],{"_key":1878,"_type":123,"children":1879,"markDefs":1911,"style":190},"7703dc02fc92",[1880,1884,1889,1893,1898,1902,1907],{"_key":1881,"_type":127,"marks":1882,"text":1883},"ad70131ac9a4",[],"There are ways to locate lost pensions including using the Government’s Pension Tracing Service (",{"_key":1885,"_type":127,"marks":1886,"text":1888},"ae88be3edd06",[1887],"1bd1843c0219","www.gov.uk\u002Ffind-pension-contact-details",{"_key":1890,"_type":127,"marks":1891,"text":1892},"4090f029becb",[],"). If the company no longer exists, contact Companies House (",{"_key":1894,"_type":127,"marks":1895,"text":1897},"f3753f73135c",[1896],"4ffd9523a0fb","https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Forganisations\u002Fcompanies-house",{"_key":1899,"_type":127,"marks":1900,"text":1901},"5276ce4844b5",[],"), or charities can be found using the charity register (",{"_key":1903,"_type":127,"marks":1904,"text":1906},"fdd1aef69a5a",[1905],"af17d4478daa","https:\u002F\u002Fwww.gov.uk\u002Ffind-charity-information",{"_key":1908,"_type":127,"marks":1909,"text":1910},"f8219e7622b1",[],"). People should ask for up-to-date statements, so it is clear how much pensions are worth, whilst those with several schemes might also want to consider consolidating them.",[1912,1914,1915],{"_key":1887,"_type":228,"href":1913},"http:\u002F\u002Fwww.gov.uk\u002Ffind-pension-contact-details",{"_key":1896,"_type":228,"href":1897},{"_key":1905,"_type":228,"href":1906},{"_key":1917,"_type":123,"children":1918,"markDefs":1923,"style":190},"15446b982c42",[1919],{"_key":1920,"_type":127,"marks":1921,"text":1922},"fa838adc56d5",[197],"4. Calculate all sources of retirement income",[],{"_key":1925,"_type":123,"children":1926,"markDefs":1931,"style":190},"2547938a6f5e",[1927],{"_key":1928,"_type":127,"marks":1929,"text":1930},"954845c095c9",[],"It’s important to work out the value of all savings and investments. Many people think of their pension as the only source of income in retirement. However, there are many assets such as ISAs and general cash savings, as well as other investments which can be used.",[],{"_key":1933,"_type":123,"children":1934,"markDefs":1939,"style":190},"32a36e7e0566",[1935],{"_key":1936,"_type":127,"marks":1937,"text":1938},"fe1470cc9f0b",[197],"5. Check state pension entitlement",[],{"_key":1941,"_type":123,"children":1942,"markDefs":1947,"style":190},"9c593cd9178c",[1943],{"_key":1944,"_type":127,"marks":1945,"text":1946},"25dd82612fab",[],"Some people don’t realise that you need a minimum of 35 years of NI (National Insurance) contributions to get the full State Pension payment. This can be difficult for those who may have taken a career break or time off for child or elderly care. It is possible to purchase NI credits to boost your State Pension income at a cost of £17.45 per week or £907.40 to fill a full year’s gap in your record*. But as of 5 April 2025, individuals will only be able to claim for 6 years of NI credit. Those who are approaching retirement can make an enquiry to find out what they are going to receive by requesting a State Pension statement using a form called a BR19, which is available online or by calling the government helpline on 0345 3000 168. Alternatively, if you have a Government Gateway account these details can be accessed online.",[],{"_key":1949,"_type":123,"children":1950,"markDefs":1955,"style":190},"3a320352e05f",[1951],{"_key":1952,"_type":127,"marks":1953,"text":1954},"2f01a0af979b",[197],"6. Consider delaying retirement or working part time",[],{"_key":1957,"_type":123,"children":1958,"markDefs":1963,"style":190},"366d0090cdd3",[1959],{"_key":1960,"_type":127,"marks":1961,"text":1962},"86635e18b7c4",[],"For those who are worried about the value of their pension falling due to market volatility, it could be beneficial to give their pension time to recover. So, it may be worth delaying retirement if this is an option. People could also consider making further pension contributions to boost their pot and taking advantage of tax relief while they can. However, if someone has already taken taxable withdrawals from their defined contribution pension beyond the 25% tax-free lump sum, the ‘Money Purchase Annual Allowance’ (MPAA) is triggered. This reduces the amount they can contribute to defined contribution pensions to £10,000 a year before incurring a tax charge.",[],{"_key":1965,"_type":123,"children":1966,"markDefs":1971,"style":190},"23c4218b86e7",[1967],{"_key":1968,"_type":127,"marks":1969,"text":1970},"48b1797381fe",[197],"7. Don’t pay unnecessary tax",[],{"_key":1973,"_type":123,"children":1974,"markDefs":1979,"style":190},"b20aae48cb94",[1975],{"_key":1976,"_type":127,"marks":1977,"text":1978},"0599c5b67a5b",[],"Usually, only the first 25% of a defined contribution (DC) pension is tax free (the calculation for a defined benefit scheme will be different); the remaining 75% is taxed as earned income. Unfortunately, in recent years many have found themselves paying more tax than they need to. For example, some have taken their pension as a cash lump sum, not realising that it made them a higher rate taxpayer! People may be better off taking a smaller amount each year from their pension, keeping within their tax bracket, and then topping it up with withdrawals from an ISA, as this is paid tax-free.",[],{"_key":1981,"_type":123,"children":1982,"markDefs":1987,"style":190},"f9e30c0a7049",[1983],{"_key":1984,"_type":127,"marks":1985,"text":1986},"7618e1c54f4b",[197],"8. Shop around",[],{"_key":1989,"_type":123,"children":1990,"markDefs":1995,"style":190},"8fddf10bfea7",[1991],{"_key":1992,"_type":127,"marks":1993,"text":1994},"b3aa3820cac1",[],"Before purchasing any retirement products, it is important that people shop around. For example, income drawdown charges can vary depending on the provider, the type of charges, and the size of your pension pot. Individuals should not only check charging structures, but make sure it suits their needs, and that they can withdraw cash as and when they need it.",[],{"_key":1997,"_type":123,"children":1998,"markDefs":2003,"style":190},"45256ec6bea5",[1999],{"_key":2000,"_type":127,"marks":2001,"text":2002},"630950d7c904",[197],"9. Watch out for scams",[],{"_key":2005,"_type":123,"children":2006,"markDefs":2027,"style":190},"6e15b7dc5098",[2007,2011,2015,2019,2024],{"_key":2008,"_type":127,"marks":2009,"text":2010},"cdbab1bbef67",[],"Research from WEALTH at work identified the common financial scams that people lost money to between 2023 and 2024",{"_key":2012,"_type":127,"marks":2013,"text":1166},"37f1ef065dc6",[2014],"fbaa6edb0776",{"_key":2016,"_type":127,"marks":2017,"text":2018},"d1dcda91ac30",[],". It found that 13% fell victim to a pension scam which offered fake promises of guaranteed returns or early access to their pension. Regulations came into force in November 2021 which means suspicious transfers can be stopped from ending up in the hands of a fraudster, as pension trustees and scheme managers now have new powers to intervene, but you still need to be on your guard. Whatever you’re planning to do with your retirement savings, it’s vital to check whether the company that you’re planning to use is registered with the Financial Conduct Authority (FCA) https:\u002F\u002Fregister.fca.org.uk\u002F. You can also visit the FCA’s ScamSmart website which includes a warning list of companies operating without authorisation or running scams ",{"_key":2020,"_type":127,"marks":2021,"text":2023},"62d906088639",[2022],"c7ef415037b0","www.fca.org.uk\u002Fscamsmart",{"_key":2025,"_type":127,"marks":2026,"text":225},"5298a7f01909",[],[2028,2030],{"_key":2014,"_type":228,"href":2029},"https:\u002F\u002Fwww.wealthatwork.co.uk\u002Fcorporate\u002F2025\u002F05\u002F29\u002Fretiring-in-turbulent-times-what-employees-should-consider\u002F#_ftn1",{"_key":2022,"_type":228,"href":2031},"http:\u002F\u002Fwww.fca.org.uk\u002Fscamsmart",{"_key":2033,"_type":123,"children":2034,"markDefs":2039,"style":190},"70d387e74cfe",[2035],{"_key":2036,"_type":127,"marks":2037,"text":2038},"91a15d59c717",[197],"10. 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They may also offer access to an investment adviser which can be especially beneficial at retirement, as they will help someone look at all assets and work out the most tax efficient way for them to fund their retirement, before putting a bespoke plan in place.",[],{"_key":2049,"_type":123,"children":2050,"markDefs":2059,"style":190},"9f4ec42f00e2",[2051,2055],{"_key":2052,"_type":127,"marks":2053,"text":2054},"650c296ef57f",[197],"Jonathan Watts-Lay, Director at WEALTH at work, comments;",{"_key":2056,"_type":127,"marks":2057,"text":2058},"82cab1278d92",[]," “The market turbulence is understandably concerning, especially for those who are due to retire soon. We spend many years saving for our retirement, so it’s important that employees receive the support needed for them to be able to make informed choices about their retirement plans. Many leading companies provide financial education, guidance and investment advice for their retiring employees to help them understand the key issues affecting them. This support is going to be needed now more than ever to ensure that people are able to retire with confidence.” ",[],[2061,2062],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":2063,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":2065,"title":381},{"base":2064},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":2067,"blogPostMeta":2068,"content":2113,"tag":2246,"title":2112},"56369d81-acb9-489f-9f22-5ce454f4ad1b",{"_type":56,"featuredImage":2069,"featuredVideo":115,"preview":2108,"publishedAt":2109,"slug":2110,"title":2112},{"_type":58,"asset":2070},{"_createdAt":2071,"_id":2072,"_rev":2073,"_type":63,"_updatedAt":2074,"assetId":2075,"extension":66,"metadata":2076,"mimeType":102,"opt":2097,"originalFilename":2103,"path":2104,"sha1hash":2075,"size":2105,"uploadId":2106,"url":2107},"2025-06-16T10:07:12Z","image-264da813a78087a8d3d694f2a56bd625988b7871-1000x667-png","p3kvUkdyuxOHU9Nhcwlds8","2026-02-06T12:11:03Z","264da813a78087a8d3d694f2a56bd625988b7871",{"_type":68,"blurHash":2077,"dimensions":2078,"hasAlpha":75,"isOpaque":75,"lqip":2079,"palette":2080},"VYKer_Emt6Vrb_R4IuM_xuo#t+kpbFWEM{_N-:WBR*oK",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fpng;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAANCAYAAACpUE5eAAAACXBIWXMAAA7EAAAOxAGVKw4bAAADcklEQVR4nD3TW0xbBRzH8b76oi+LiVGTGX1wyV7mg3MyMyMJRmayZM5sLlskjibKjBduEjPYMAwWwAhz5TaCc4DcOkYptNCWQXt6OT1dSy\u002FntKfnlFPm1oEbDp\u002F08Wso04f\u002Fy+\u002Fhk1\u002F+yc80FEvw62qS0USKqZSMTUnjyKgsqlncmsaSprGi5\u002FDpOfw5naCeIZyNIsluIrFRpMgAIWkQf2QEX9SKaTCyytDdVUZiCSbjSW6nFOxyGqeSYTGj4lGzrGg6gqYVMTGbJJxwIwYtSL5mIsJFwoF2gpGbCAkHptrhWepH7VwYm6N53EHL5AJtU4u0W1103HLRaXXR5\u002FBij8QIZuKEZT+CbwiP9Ty+6bOITjOip45g0IIQs2Haf+YSb55r4ZC5lcPmVkrMbbxd2co75jZKKi\u002FzxtlmPqzpxjLjQkhFCMUcuG0\u002FcNtyDMdAGd6pTwgs1BHw9yPEnJieLfmCl9\u002F\u002Flr3lNbxSXsPeD6p5qewbXij9ij1HzvPMQTP7PvqethE73lQMr2TDPlHHZGcp013vsjRRSWC5m0B0HkGOYHr+yJe8erSW1481sO\u002FpvXa0jhdLv2bP4SqeO\u002FQ5B0410THmZEmRmQs4GLlRz\u002FCVMqxd5SzZGglFbAQVCSGTwnS6oZ9PLwxS0TjIuaYhzJdu8FnTEKe\u002F6+NE9TWO11ioujLCsDtUBMeXbPRcq6en+TjD3RV43NcR5RBBNYWgKpj8KQOHpDDtX2VOTLGSyLEc15kNJYvZjJjCldAI6QYraZlR5yRdP9bS0VhBf89FFv1ORC2DqOsENA3To7\u002F\u002FIfHHI7zr9xAfFMhu\u002F4X2ZBvxfqGYhTc2ULb+JFEo4EkrjHpm6e2\u002FTM\u002FPzYzNjLEcjyKtrRFeMwjmDEzGk22iDzfw3\u002FudcKGA\u002FHgL9fEW0cJDxPsPWN3cJLm5iSercjPk5xe3jYn5cex3HEVM1HUkw0BcMwjsgPaMhi2tYs+ouHQdr5EnkF8nmF8nlF8nkM8zn0lz1e2mvs9CS08nUwszCOkUYcNAMvLFdqHc2i7YJ0UZkKK7a4knsKZkZtOZ4vxcaha7otDrE6i6aqHs1BlOnDxJ9\u002FUBlmX5f+y\u002FdrtgOEpv+C79T9Hf4kluyQr2dBpnRmVWTvPTgouPqxvYf6CEtw6+R2N7F654EtHYbbbzux0smMvzL+NZFVao805xAAAAAElFTkSuQmCC",{"_type":78,"darkMuted":2081,"darkVibrant":2083,"dominant":2086,"lightMuted":2087,"lightVibrant":2090,"muted":2092,"vibrant":2094},{"_type":80,"background":2082,"foreground":82,"population":880,"title":82},"#3f3e47",{"_type":80,"background":2084,"foreground":82,"population":2085,"title":82},"#053261",10.18,{"_type":80,"background":2084,"foreground":82,"population":2085,"title":82},{"_type":80,"background":2088,"foreground":92,"population":2089,"title":82},"#a8d1d3",6.85,{"_type":80,"background":2091,"foreground":92,"population":476,"title":92},"#cdfafa",{"_type":80,"background":2093,"foreground":82,"population":419,"title":82},"#4e72ac",{"_type":80,"background":2095,"foreground":92,"population":2096,"title":82},"#b69d42",6.54,{"media":2098},{"tags":2099},[2100],{"_key":2101,"_ref":2102,"_type":109,"_weak":75},"KBMu7j21oVwP4G9nrzKou","p3kvUkdyuxOHU9NhcwlcpD","Untitled-design-9.png","images\u002Fsoc6bg8y\u002Fdevelopment\u002F264da813a78087a8d3d694f2a56bd625988b7871-1000x667.png",635798,"sIUr1xU6Gs26FumK2Hush36HNNeg8aEO","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F264da813a78087a8d3d694f2a56bd625988b7871-1000x667.png","We are absolutely delighted to announce that we have been named as one of The Sunday Times Best Places to Work 2025 and are proud to have been listed amongst the best ‘Big Organisations in the UK’. ","2025-05-23T10:07:00.000Z",{"_type":9,"current":2111},"wealth-at-work-is-listed-in-the-sunday-times-best-places-to-work-and-also-wins-the-best-company-within-financial-services-2025","WEALTH at work is listed in The Sunday Times Best Places to Work and also wins The Best Company within Financial Services 2025.",[2114,2122,2134,2142,2150,2158,2166,2174,2182,2190,2198,2206,2214,2222,2230,2238],{"_key":2115,"_type":123,"children":2116,"markDefs":2121,"style":190},"adff0cc7ff8e",[2117],{"_key":2118,"_type":127,"marks":2119,"text":2120},"9eab5c9494f9",[],"We are absolutely delighted to announce that we have been named as one of The Sunday Times Best Places to Work 2025 and are proud to have been listed amongst the best ‘Big Organisations in the UK’. This is the second time WEALTH at work have won this accolade, having won it in 2024 also. In addition, we have also won a spotlight award for The Best Company within Financial Services.",[],{"_key":2123,"_type":123,"children":2124,"markDefs":2133,"style":190},"006d9f1a0bd9",[2125,2129],{"_key":2126,"_type":127,"marks":2127,"text":2128},"0f907f5df567",[197],"Jonathan Watts-Lay, Director, WEALTH at work comments",{"_key":2130,"_type":127,"marks":2131,"text":2132},"93730badc806",[],", “This is extremely exciting news, especially because employee wellbeing is so very important and we have been lucky enough to be listed for a second year in a row.",[],{"_key":2135,"_type":123,"children":2136,"markDefs":2141,"style":190},"c25b5a447a35",[2137],{"_key":2138,"_type":127,"marks":2139,"text":2140},"fad0b31d0aa5",[],"As a people-centric business providing financial wellbeing services to many UK companies, we are particularly thrilled to have been recognised for our approach and ethos to ensuring we are doing the best for our own staff right across the group and making WEALTH at work a business that people want to work in.",[],{"_key":2143,"_type":123,"children":2144,"markDefs":2149,"style":190},"c0390aee2b13",[2145],{"_key":2146,"_type":127,"marks":2147,"text":2148},"17157cafbcc5",[],"We are also especially delighted to have won a second award for being ‘The Best Company within Financial Services’. Working in the financial services industry and as leaders in the market, our standards are already high, so it is great to have such high-profile recognition.”",[],{"_key":2151,"_type":123,"children":2152,"markDefs":2157,"style":190},"fb0631520bab",[2153],{"_key":2154,"_type":127,"marks":2155,"text":2156},"7130cb71b964",[197],"Notes about the survey: The Sunday Times Best Places to Work 2025.",[],{"_key":2159,"_type":123,"children":2160,"markDefs":2165,"style":190},"df6c7b64cd72",[2161],{"_key":2162,"_type":127,"marks":2163,"text":2164},"7b839923f5a4",[],"WEALTH at work is listed in the Big Organisations category employing between 250-1,999 employees.",[],{"_key":2167,"_type":123,"children":2168,"markDefs":2173,"style":190},"977ae4254770",[2169],{"_key":2170,"_type":127,"marks":2171,"text":2172},"b1fb51d197f4",[],"The Sunday Times Best Places to Work awards survey uses 31 core questions from WorkL’s employee engagement survey, developed by behavioural scientists, data analysts, psychologists, business leaders, academics and other independent parties to most accurately monitor employee engagement, wellbeing and discretionary effort in the workplace.",[],{"_key":2175,"_type":123,"children":2176,"markDefs":2181,"style":190},"f7390ac19f70",[2177],{"_key":2178,"_type":127,"marks":2179,"text":2180},"e4b148d156a2",[],"To achieve a high overall engagement score, an organisation must score well across WorkL’s six-step framework;",[],{"_key":2183,"_type":123,"children":2184,"level":203,"listItem":204,"markDefs":2189,"style":190},"5098dbeec3d1",[2185],{"_key":2186,"_type":127,"marks":2187,"text":2188},"3969a1e0723f",[],"Reward and Recognition",[],{"_key":2191,"_type":123,"children":2192,"level":203,"listItem":204,"markDefs":2197,"style":190},"05fa7ce09140",[2193],{"_key":2194,"_type":127,"marks":2195,"text":2196},"a0d8ce1351c6",[],"Instilling Pride",[],{"_key":2199,"_type":123,"children":2200,"level":203,"listItem":204,"markDefs":2205,"style":190},"b62b46729cfb",[2201],{"_key":2202,"_type":127,"marks":2203,"text":2204},"eff123d96070",[],"Information Sharing",[],{"_key":2207,"_type":123,"children":2208,"level":203,"listItem":204,"markDefs":2213,"style":190},"03ca71092cc4",[2209],{"_key":2210,"_type":127,"marks":2211,"text":2212},"c7720cd70b5b",[],"Empowerment",[],{"_key":2215,"_type":123,"children":2216,"level":203,"listItem":204,"markDefs":2221,"style":190},"19554dc924a7",[2217],{"_key":2218,"_type":127,"marks":2219,"text":2220},"50ea206b855a",[],"Wellbeing",[],{"_key":2223,"_type":123,"children":2224,"level":203,"listItem":204,"markDefs":2229,"style":190},"953cc7394f1f",[2225],{"_key":2226,"_type":127,"marks":2227,"text":2228},"b0f90142d67a",[],"Job Satisfaction",[],{"_key":2231,"_type":123,"children":2232,"markDefs":2237,"style":190},"ce9eaa6e73e9",[2233],{"_key":2234,"_type":127,"marks":2235,"text":2236},"cc6db5607161",[],"In a highly engaged workplace all six steps will be seen positively by employees, albeit in varying degrees. Each of WorkL’s steps consist of between three and five key elements which are measured on a 0-10 scale. An organisation’s overall engagement score is the sum of all question responses divided by the maximum possible values as a percentage.",[],{"_key":2239,"_type":123,"children":2240,"markDefs":2245,"style":190},"36fa2404c40a",[2241],{"_key":2242,"_type":127,"marks":2243,"text":2244},"38006932f13a",[],"To be successfully accredited, organisations must achieve a minimum of 70 per cent overall engagement score. Banding threshold is based on both independent and WorkL’s commissioned research on employee engagement initiatives and is reinforced by WorkL’s benchmarking data of more than 70,000 organisations. For an accurate representation of employee sentiment, organisations were required to send the survey to as many current employees as possible. 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This is the second time WEALTH at work have won this award, having also won it in 2024.",[],{"_key":2309,"_type":123,"children":2310,"markDefs":2315,"style":190},"faf4d9c1bef9",[2311],{"_key":2312,"_type":127,"marks":2313,"text":2314},"32b063aa0689",[],"In addition, we have also won a spotlight award for The Best Company within Financial Services – a new accolade for 2025 which we are extremely proud of.",[],{"_key":2317,"_type":123,"children":2318,"markDefs":2327,"style":190},"7740294294f9",[2319,2323],{"_key":2320,"_type":127,"marks":2321,"text":2322},"e7f0881b6e38",[197],"David Cassidy, Chief Executive Officer, WEALTH at work comments,",{"_key":2324,"_type":127,"marks":2325,"text":2326},"780f449a35a2",[]," “As leaders in the field of financial wellbeing in the workplace, we are thrilled to be listed and thought of so highly by our colleagues, especially given this is the second year in a row we have been listed. We hold very high standards when it comes to our company values. This is encapsulated in the ethos of our business that we call internally, ‘the mum and dad principle’ which simply means ‘if you wouldn’t do it for your mum and dad, then you don’t do it at all’. 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Although this marked the 28th straight month of expansion, it was the weakest reading since September 2024, reflecting growing uncertainty in the service sector. A decline in business confidence amidst global trade tensions with the U.S. contributed significantly to the softer data.",[],{"_key":2493,"_type":123,"children":2494,"markDefs":2499,"style":190},"d521156e0624",[2495],{"_key":2496,"_type":127,"marks":2497,"text":2498},"f629265719d4",[],"And yet we may find that the ground is shifting sooner than investors expected. In what some analysts view as a calculated move ahead of anticipated US-China trade discussions this week, Chinese officials unveiled fresh monetary easing measures on Wednesday. The People’s Bank of China (PBOC) cut the reserve requirement ratio for commercial banks by 50 basis points — a change that reduces the amount of cash banks are required to hold. The adjustment is expected to inject roughly 1 trillion yuan into the financial system, aiming to cushion the economy from the effects of recent US tariff hikes on Chinese goods. Policymakers also cut the seven days repurchase rate to 1.4% from 1.5%. The news provided market participants with some much-needed sentiment boost, with the Hang Seng gaining 1% in the morning trading session and the Shanghai Composite rising nearly 1%, too.",[],{"_key":2501,"_type":123,"children":2502,"markDefs":2507,"style":190},"93dd846d2b88",[2503],{"_key":2504,"_type":127,"marks":2505,"text":2506},"66c2f2ef44f7",[],"As expected, the Federal Reserve opted to keep interest rates steady on Tuesday, underscoring policymakers’ wait-and-see approach as global economic pressures continue to filter through and settle across economies. During a press conference, Fed Chair Jerome Powell noted that while economic activity remains solid—despite a recent GDP contraction—the current level of uncertainty has clouded the near-term outlook. Interestingly, although markets would have welcomed a rate cut, the Fed’s decision to hold rates may have signalled that the economy isn’t weak enough to warrant intervention. This interpretation helped push U.S. stocks higher by the end of the trading session and helped Treasury yields to ease.",[],{"_key":2509,"_type":123,"children":2510,"markDefs":2515,"style":190},"cb284c07ed23",[2511],{"_key":2512,"_type":127,"marks":2513,"text":2514},"c17e115ff61b",[],"The FTSE 100 is trading higher this morning ahead of an expected announcement from Prime Minister Sir Keir Starmer on a UK-US trade deal focused on lowering tariffs. 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The tech-heavy Nasdaq rose by 3.4%, propelled by strong earnings from several large-cap technology firms.",[],{"_key":2957,"_type":123,"children":2958,"markDefs":2963,"style":190},"369b97a11e7c",[2959],{"_key":2960,"_type":127,"marks":2961,"text":2962},"39b883eec474",[],"Early optimism was fuelled by a softening stance on trade from the White House. President Trump’s rollback of tariffs on cars and auto parts boosted market sentiment.",[],{"_key":2965,"_type":123,"children":2966,"markDefs":2971,"style":190},"931198b4d351",[2967],{"_key":2968,"_type":127,"marks":2969,"text":2970},"9c78d3516335",[],"Investor focus then shifted to earnings season. Much of the market’s strength came from robust earnings from several of the so-called “Magnificent Seven” stocks. Microsoft and Meta posted strong quarterly results and reiterated their plans to continue investing in AI, providing some reassurance amid broader economic concerns. Apple drew attention due to potential tariff-related margin pressure, while Amazon’s cautious guidance moderated expectations. Although some firms highlighted uncertainty around forward guidance—mainly tied to tariff policy—investors seemed willing to look past near-term volatility and focus on long-term fundamentals.",[],{"_key":2973,"_type":123,"children":2974,"markDefs":2979,"style":190},"15887f23607b",[2975],{"_key":2976,"_type":127,"marks":2977,"text":2978},"aa1d9108da20",[],"US labour market data presented mixed signals but ended the week on a positive note. Job openings declined in March, and private payroll growth slowed sharply in April. However, the more closely watched nonfarm payrolls report exceeded expectations, with employers adding 177,000 jobs—well above forecasts. Wage growth remained modest, and the unemployment rate held steady at 4.2% in April 2025, suggesting that while hiring has cooled, the broader labour market remains strong. The surprise strength in Friday’s report lifted investor confidence and helped push stock prices higher to close the week.",[],{"_key":2981,"_type":123,"children":2982,"markDefs":2987,"style":190},"a29a5285d2e2",[2983],{"_key":2984,"_type":127,"marks":2985,"text":2986},"c65228550a1d",[],"In other news, data revealed that the U.S. economy contracted by 0.3% in the first quarter of 2025—its first contraction in three years—primarily due to rising imports, a moderation in consumer spending, and reduced government outlays. However, the composition of the data showed some resilience. A 41.3% surge in imports, driven by businesses and consumers rushing to make purchases ahead of expected tariff hikes, pointed to a front-loading effect rather than a structural weakness. Therefore, this contraction wasn’t due to fading demand but rather trade-related distortions.",[],{"_key":2989,"_type":123,"children":2990,"markDefs":2995,"style":190},"12eb3f22b4c4",[2991],{"_key":2992,"_type":127,"marks":2993,"text":2994},"855ebc841822",[],"Meanwhile, the Fed’s preferred inflation measure, the Core Personal Consumption Index, remained flat in March, while consumer spending rose a healthy 0.7%, suggesting inflation is easing without significantly dampening demand.",[],{"_key":2997,"_type":123,"children":2998,"markDefs":3003,"style":190},"be89a160c132",[2999],{"_key":3000,"_type":127,"marks":3001,"text":3002},"3b12a44b2f16",[],"European markets saw gains, with the Eurozone’s Q1 GDP surpassing expectations, growing by 1.2%. Investor sentiment was further lifted by news from China indicating a willingness to engage in trade talks with the U.S. While China’s mainland markets experienced slight declines during a shortened trading week, the prospect of trade negotiations and potential tariff exemptions offered hope that tensions could ease. Although official economic data fell short of forecasts, analysts noted that China has the fiscal flexibility to support growth if necessary.",[],{"_key":3005,"_type":123,"children":3006,"markDefs":3011,"style":190},"b60948f84956",[3007],{"_key":3008,"_type":127,"marks":3009,"text":3010},"758737bad744",[],"Looking ahead, this week will see a shorter trading schedule in the UK and Europe due to the first May bank holiday, while global markets, including the US, will remain open. 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With fewer surprises on that front, investor focus shifted toward upcoming earnings from major corporations and the release of key economic indicators that’s kept them cautious so far.","2025-04-30T08:16:00.000Z",{"_type":9,"current":3062},"market-update-30th-april-2025","Market Update – 30th April 2025.",[3065,3068,3076,3084,3101,3109,3117,3125],{"_key":3066,"_type":2605,"height":2606,"url":3067,"width":2608},"d50aa1001fdc","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1080154547?h=6403ecb7e7",{"_key":3069,"_type":123,"children":3070,"markDefs":3075,"style":190},"119d1a34b61c",[3071],{"_key":3072,"_type":127,"marks":3073,"text":3074},"29307062fb2a",[],"Markets have lacked clear direction this week, as a period of relative calm settled over the economic data landscape. With fewer surprises on that front, investor focus shifted toward upcoming earnings from major corporations and the release of key economic indicators that’s kept them cautious so far. That caution has also been fuelled by a growing trend among companies most exposed to tariffs: several have begun lowering or suspending forward guidance, adding to uncertainty around the near-term outlook for profits.",[],{"_key":3077,"_type":123,"children":3078,"markDefs":3083,"style":190},"4027c504cd86",[3079],{"_key":3080,"_type":127,"marks":3081,"text":3082},"259424f0a734",[],"On Tuesday, media speculation abounded that President Trump may be considering easing the tariff burden on imported automobiles and parts. The proposal could include exempting affected companies from additional tariffs—such as those on steel and aluminium—and potentially reimbursing firms for duties they’ve already paid on those materials. If these rumours prove accurate, the move would likely lift investor sentiment, signalling a significant reversal from President Trump’s earlier, more aggressive tariff stance and easing concerns of escalating trade tensions. It may also provide a notable boost to automotive stocks.",[],{"_key":3085,"_type":123,"children":3086,"markDefs":3100,"style":190},"a7c4a70efdc5",[3087,3091,3096],{"_key":3088,"_type":127,"marks":3089,"text":3090},"fb38898ff7d6",[],"Speculation continued as Trump claimed trade talks with China had resumed after a call with President Xi—an assertion swiftly denied by Beijing. However, Beijing ",{"_key":3092,"_type":127,"marks":3093,"text":3095},"920c62a5e9f8",[3094],"em","has",{"_key":3097,"_type":127,"marks":3098,"text":3099},"d6372251a018",[]," reportedly shown some willingness to negotiate with the U.S. by quietly easing some of its retaliatory tariffs, allowing certain U.S.-made pharmaceuticals to bypass the steep 125% duties it had introduced earlier this month in response to President Trump’s 145% tariffs on Chinese goods – the exact sort of gesture markets will be hoping to see.",[],{"_key":3102,"_type":123,"children":3103,"markDefs":3108,"style":190},"a1e94f39583c",[3104],{"_key":3105,"_type":127,"marks":3106,"text":3107},"308a51499f8f",[],"Still, the economic picture remains clouded by trade-related disruption, with economists cautioning that gauging the full impact of tariffs will take time. Indeed, recent U.S. economic reports offer mixed signals. The trade deficit in goods ballooned to a record high in March, a sign that companies may be accelerating imports ahead of future tariff increases. At the same time, consumer sentiment dipped, even as the labour market continued to show signs of resilience through stable job openings.",[],{"_key":3110,"_type":123,"children":3111,"markDefs":3116,"style":190},"e8650defc5d3",[3112],{"_key":3113,"_type":127,"marks":3114,"text":3115},"916d34d89341",[],"As markets wavered amid shifting signals on tariffs, economic confidence in the Eurozone also faltered in April, with the sentiment index falling to 93.6 from 95, as tariff uncertainty weighed on all major sectors despite recent market gains.",[],{"_key":3118,"_type":123,"children":3119,"markDefs":3124,"style":190},"7146e38c1bfa",[3120],{"_key":3121,"_type":127,"marks":3122,"text":3123},"d719258aad96",[],"Still to come this week we have an interest rate decision from the Bank of Japan, where investors are of the consensus that policymakers will keep rates steady. The decision will come hot on the heels of the economy’s latest retail sales data, which jumped by 3.1% in March from a downwardly revised 1.3% in February. 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","2025-04-28T10:05:00.000Z",{"_type":9,"current":3181},"how-a-financial-coach-can-help-employees-2",[3183,3191,3199,3207,3215,3223,3231,3239,3247,3255,3263,3271,3279,3286],{"_key":3184,"_type":123,"children":3185,"markDefs":3190,"style":190},"cdfb0cb82147",[3186],{"_key":3187,"_type":127,"marks":3188,"text":3189},"6a1ed2b6458f",[],"Debt anxiety and the weight of some financial burdens has spilt into the workplace according to new research of over 2,000 workers by WEALTH at work. Employees believe that money worries affect their performance at work by causing increased stress levels (40%), mental exhaustion (35%), decreased motivation (26%) and physical exhaustion (25%). More than a fifth (22%) admitted that it led to reduced focus and concentration, and one in ten (10%) say it has led to increased sick days.",[],{"_key":3192,"_type":123,"children":3193,"markDefs":3198,"style":190},"55652b2d621e",[3194],{"_key":3195,"_type":127,"marks":3196,"text":3197},"e1f510a4d844",[],"Whilst 61% of workers say they feel supported and 40% say they are comfortable discussing money worries or debt-related issues with their employer, only 13% would actually do so.",[],{"_key":3200,"_type":123,"children":3201,"markDefs":3206,"style":190},"2bfd7728b93e",[3202],{"_key":3203,"_type":127,"marks":3204,"text":3205},"441d6f448d8e",[],"Financial coaching, delivered through financial education and guidance, can be a powerful tool to help employees overcome money worries and get on track with their finances. In fact, our research with the Reward & Employee Benefits Association (REBA) found that 43% of employers plan to offer financial coaching in the future.",[],{"_key":3208,"_type":123,"children":3209,"markDefs":3214,"style":190},"f7f5d34fbe50",[3210],{"_key":3211,"_type":127,"marks":3212,"text":3213},"e52d044bcc71",[197],"WEALTH at work outlines 4 key ways that a financial coach can help employees improve their finances",[],{"_key":3216,"_type":123,"children":3217,"markDefs":3222,"style":190},"2ff26277e1a5",[3218],{"_key":3219,"_type":127,"marks":3220,"text":3221},"386a702681ec",[197],"1.Building positive savings habits",[],{"_key":3224,"_type":123,"children":3225,"markDefs":3230,"style":190},"a95d2d270eab",[3226],{"_key":3227,"_type":127,"marks":3228,"text":3229},"ca34e362f5b8",[],"Building new habits can be difficult, especially when it comes to money. A financial coach can help employees navigate challenges such as managing a budget and help them establish and stick to positive money habits. A financial coach helps employees recognise unhelpful patterns and reinforces positive savings habits and enables them to be more considered about spending.",[],{"_key":3232,"_type":123,"children":3233,"markDefs":3238,"style":190},"b1e424d24129",[3234],{"_key":3235,"_type":127,"marks":3236,"text":3237},"8f1de1615dd6",[197,197],"2. Putting a financial plan together",[],{"_key":3240,"_type":123,"children":3241,"markDefs":3246,"style":190},"7c13f60edd42",[3242],{"_key":3243,"_type":127,"marks":3244,"text":3245},"2e7f77ab61f0",[],"It has always been a challenge to convince employees why they should consider putting aside money for an emergency or engage in their pension. Not only can a financial coach explain the value of an emergency fund, but they can also show how achievable it is to set up and how it will build financial resilience for unexpected events, for example, if the car breaks down or they face redundancy. A financial coach can also explain how small savings or pension contributions can compound over time, and how this can grow and help people meet future goals such as buying a house.",[],{"_key":3248,"_type":123,"children":3249,"markDefs":3254,"style":190},"87f8b44e785a",[3250],{"_key":3251,"_type":127,"marks":3252,"text":3253},"1447655fd544",[197],"3. Preparing for retirement",[],{"_key":3256,"_type":123,"children":3257,"markDefs":3262,"style":190},"7af630195e83",[3258],{"_key":3259,"_type":127,"marks":3260,"text":3261},"0850834323ff",[],"One of the most crucial elements of employee financial wellbeing is retirement preparation. Our research found 39% of employees think they won’t ever be able to afford to retire at all due to increasing costs. A financial coach can help employees understand how to make retirement affordable and achievable. Not only this, but financial coaches can also help employees realise all the options available to them at the point of retirement.",[],{"_key":3264,"_type":123,"children":3265,"markDefs":3270,"style":190},"b5dbe8cdffeb",[3266],{"_key":3267,"_type":127,"marks":3268,"text":3269},"48b1c2598439",[197],"4. Driving action",[],{"_key":3272,"_type":123,"children":3273,"markDefs":3278,"style":190},"161d05a06715",[3274],{"_key":3275,"_type":127,"marks":3276,"text":3277},"3a4b01b94304",[],"Speaking to a financial coach can help people get a firmer understanding of their situation, so that they can then take steps to improve it. This could include increasing pension contributions, reducing debt, saving tax or utilising workplace savings such as ISAs. A financial coach can also be a gateway to investment advice for those who would benefit from it, as they can help employees recognise all the complex things they need to understand about their finances. In doing so, they may then realise that they need specialist advice.",[],{"_key":3280,"_type":123,"children":3281,"markDefs":3285,"style":190},"0d169b90c149",[3282],{"_key":3283,"_type":127,"marks":3284,"text":1222},"6bfcdb160bd6",[197],[],{"_key":3287,"_type":123,"children":3288,"markDefs":3293,"style":190},"a93fbd4def9e",[3289],{"_key":3290,"_type":127,"marks":3291,"text":3292},"50e9a25170f4",[],"“An increasing number of employers are now turning to specialist workplace financial wellbeing service providers to help individuals build their financial knowledge and improve their financial wellbeing throughout their career. Taking an active approach and supporting employees by providing financial education and guidance through financial coaches, can in turn lead to a more financially resilient workforce, which is a win-win for all!”",[],[3295,3296,3298,3300],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":676,"_id":677,"_rev":678,"_type":377,"_updatedAt":679,"brandSpecific":75,"slug":3297,"title":682},{"_type":9,"current":681},{"_createdAt":2619,"_id":2620,"_rev":2621,"_type":377,"_updatedAt":2622,"brandSpecific":75,"slug":3299,"title":2625},{"_type":9,"current":2624},{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":3301,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":3303,"title":3039},{"base":3302},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":3305,"blogPostMeta":3306,"content":3328,"tag":3406,"title":3327},"38c48090-8138-4b1d-ba9f-f054054424f7",{"_type":56,"featuredImage":3307,"featuredVideo":115,"preview":3323,"publishedAt":3324,"slug":3325,"title":3327},{"_type":58,"asset":3308},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":3309,"mimeType":102,"opt":3319,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":3310,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":3311},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":3312,"darkVibrant":3313,"dominant":3314,"lightMuted":3315,"lightVibrant":3316,"muted":3317,"vibrant":3318},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":3320},{"tags":3321},[3322],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"As you can see from the accompanying table, global markets staged an encouraging rebound this week, with renewed investor optimism helping to drive gains after U.S. stocks wobbled on Monday. Signs of easing trade tensions provided a key source of support.","2025-04-25T15:25:00.000Z",{"_type":9,"current":3326},"week-ending-25th-april-2025","Week ending 25th April 2025.",[3329,3332,3336,3343,3351,3359,3367,3375,3383,3391,3399],{"_key":3330,"_type":2605,"height":2606,"url":3331,"width":2608},"f1f2a1750b10","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1079326887?h=07c02db200",{"_key":3333,"_type":58,"asset":3334},"5442e12a5635",{"_ref":3335,"_type":109},"image-c1bd3a2603b7e4d6ce84abc6afb69db5074d0fd2-614x487-png",{"_key":3337,"_type":123,"children":3338,"markDefs":3342,"style":190},"eaedd32e30fc",[3339],{"_key":3340,"_type":127,"marks":3341,"text":3323},"02f9befed33f",[],[],{"_key":3344,"_type":123,"children":3345,"markDefs":3350,"style":190},"1873d70ec4bb",[3346],{"_key":3347,"_type":127,"marks":3348,"text":3349},"ca7bcfb19180",[],"U.S. equities climbed as President Trump softened his stance on China trade policy, helping to stabilise markets after recent volatility. Investor sentiment was further lifted when he backed away from threats to dismiss Federal Reserve Chair Jerome Powell. A three-day relief rally followed, driven by hopes that tariff tensions may be easing and could lead to more constructive negotiations. While some market turbulence is likely to persist, there’s a growing belief that tariffs may have peaked and will be substantially lower than previously proposed.",[],{"_key":3352,"_type":123,"children":3353,"markDefs":3358,"style":190},"3efd9774b23d",[3354],{"_key":3355,"_type":127,"marks":3356,"text":3357},"c397febc3183",[],"Optimism for trade progress grew further amid reports that China is considering suspending certain retaliatory tariffs and that U.S.-Japan trade talks are advancing positively. Speculation emerged that Beijing may lift its 125% tariffs on select U.S. goods, fuelling hopes of a potential breakthrough in U.S.-China relations. While some businesses confirmed that China had exempted specific U.S. imports from these steep tariffs on Friday, Chinese officials quickly dismissed President Trump’s claim that formal negotiations were already in progress.",[],{"_key":3360,"_type":123,"children":3361,"markDefs":3366,"style":190},"43256c1bb18a",[3362],{"_key":3363,"_type":127,"marks":3364,"text":3365},"2b4777fe9b65",[],"Policymakers in Beijing also signalled a proactive stance to safeguard growth. On Friday, the Politburo—the ruling Communist Party’s top executive body—announced plans to “fully prepare” emergency measures in response to external shocks. According to state media reports, Beijing is setting up new monetary tools and policy financing instruments aimed at boosting technology, consumption, and trade.",[],{"_key":3368,"_type":123,"children":3369,"markDefs":3374,"style":190},"a63e10d07e06",[3370],{"_key":3371,"_type":127,"marks":3372,"text":3373},"97a06cf975bf",[],"In the UK, the FTSE 100 extended its winning streak, marking its longest run of consecutive gains in eight years. Momentum was supported by an unexpected 0.4% rise in British retail sales in March, rounding off the sector’s strongest quarterly performance since 2021. However, consumer confidence data painted a more cautious picture for April. GfK’s Consumer Confidence Barometer showed a four-point decline to -23, reflecting growing household concerns over rising living costs and escalating global trade tensions.",[],{"_key":3376,"_type":123,"children":3377,"markDefs":3382,"style":190},"31d4078ead3c",[3378],{"_key":3379,"_type":127,"marks":3380,"text":3381},"3dbb24ebf9a1",[],"Elsewhere, while Ukrainian and European officials pushed back against certain U.S. proposals aimed at resolving the conflict in Ukraine, diplomatic engagement remains active, suggesting a continued commitment to finding a negotiated path forward.",[],{"_key":3384,"_type":123,"children":3385,"markDefs":3390,"style":190},"26c711b39fd9",[3386],{"_key":3387,"_type":127,"marks":3388,"text":3389},"45ade51107d1",[],"Corporate earnings also provided a lift to sentiment. Some better-than-expected results helped distract investors from tariff concerns. According to data from FactSet, 73% of companies that had reported first-quarter results through Friday morning had beaten consensus earnings expectations.",[],{"_key":3392,"_type":123,"children":3393,"markDefs":3398,"style":190},"a558749e9d38",[3394],{"_key":3395,"_type":127,"marks":3396,"text":3397},"5d91813e67f3",[],"Looking ahead, Wall Street faces a busy week with hundreds of companies set to announce results, including four members of the “Magnificent Seven”: Apple, Microsoft, Meta Platforms, and Amazon. In addition, key economic releases are scheduled, including Chinese PMI data, preliminary first-quarter GDP figures for the Eurozone and US. 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Labelling Powell a “loser” and “Mr. Too Late” for not slashing interest rates sooner, Trump stirred uncertainty across financial markets.","2025-04-24T08:13:00.000Z",{"_type":9,"current":3433},"market-update-24th-april-2025","Market Update – 24th April 2025",[3436,3439,3446,3454,3462,3470,3478,3486,3494],{"_key":3437,"_type":2605,"height":2606,"url":3438,"width":2608},"4370fe20221e","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1078273036?h=96cbafc7d3",{"_key":3440,"_type":123,"children":3441,"markDefs":3445,"style":190},"44a25af057ae",[3442],{"_key":3443,"_type":127,"marks":3444,"text":3430},"3c4dc47ece76",[],[],{"_key":3447,"_type":123,"children":3448,"markDefs":3453,"style":190},"cd4497fd7711",[3449],{"_key":3450,"_type":127,"marks":3451,"text":3452},"c91abd2bea61",[],"However, tensions cooled by Tuesday when Trump dialled back his rhetoric and told reporters from the Oval Office that he had “no intention of firing” Powell—remarks that brought a wave of relief across Wall Street, with equity markets extending their rally into midweek. By Wednesday afternoon, the Dow Jones Industrial Average had surged 420 points, or 1.08%. The S&P 500 advanced 1.7%, and the tech-driven Nasdaq Composite leaped 2.8%.",[],{"_key":3455,"_type":123,"children":3456,"markDefs":3461,"style":190},"2e426edee8fc",[3457],{"_key":3458,"_type":127,"marks":3459,"text":3460},"00ad60dffbae",[],"Chair Powell, for his part, has remained steadfast in reiterating the Fed’s commitment to data-driven decision-making, emphasising that any shift in monetary policy would be deliberate, not reactive. He dismissed the notion of an emergency rate cut, reaffirming that changes would be discussed at the next scheduled meeting of the Federal Open Market Committee in May.",[],{"_key":3463,"_type":123,"children":3464,"markDefs":3469,"style":190},"59e7a2145304",[3465],{"_key":3466,"_type":127,"marks":3467,"text":3468},"8eb845ec6bcf",[],"Buoying investor sentiment further, President Trump stated on Wednesday his intention to lower the tariff on Chinese goods from the currently imposed 145% levied. He said that the rate would come down substantially at some point, but this would hinge upon President Jinping working with the US to make a deal.",[],{"_key":3471,"_type":123,"children":3472,"markDefs":3477,"style":190},"3d16622a3215",[3473],{"_key":3474,"_type":127,"marks":3475,"text":3476},"aea8bc8404e3",[],"While President Trump’s rhetoric might be the loudest thing to reverberate around markets this week, it certainly wasn’t the only thing for investors to consider. Data published on Wednesday showed that British businesses came under intensified strain in April as heightened global trade tensions stoked renewed concerns over a potential economic contraction. The S&P Global Composite Purchasing Managers’ Index (PMI)—a key barometer of private sector output—fell sharply to 48.2 from 51.5 in March, slipping below the critical 50 threshold that separates expansion from contraction. This marks the index’s weakest performance since November 2022.",[],{"_key":3479,"_type":123,"children":3480,"markDefs":3485,"style":190},"608696856cf3",[3481],{"_key":3482,"_type":127,"marks":3483,"text":3484},"b8da3cf7ac44",[],"While inflationary pressures remain a persistent concern, the pronounced deterioration in business activity is expected to bolster the case for monetary policy easing. Expectations for a Bank of England interest rate cut at the upcoming meeting have solidified, reversing earlier market assumptions that policymakers would maintain a hawkish stance.",[],{"_key":3487,"_type":123,"children":3488,"markDefs":3493,"style":190},"cdd43596941e",[3489],{"_key":3490,"_type":127,"marks":3491,"text":3492},"72f8b2a8ddbf",[],"Still to come this week we have UK retail sales, Tokyo CPI and US jobs data.",[],{"_key":3495,"_type":123,"children":3496,"markDefs":3500,"style":190},"e6ec1da6de69",[3497],{"_key":3498,"_type":127,"marks":3499,"text":2546},"5c494ac66ef0",[197],[],{"_id":3502,"blogPostMeta":3503,"content":3526,"tag":3644,"title":3525},"0bd50dc1-6962-4565-8f7e-f4d8415f6dcc",{"_type":56,"featuredImage":3504,"featuredVideo":115,"preview":3521,"publishedAt":3522,"slug":3523,"title":3525},{"_type":58,"alt":3505,"asset":3506},"Young woman working in modern office",{"_createdAt":3139,"_id":3140,"_rev":62,"_type":63,"_updatedAt":64,"assetId":3141,"extension":393,"metadata":3507,"mimeType":421,"opt":3517,"originalFilename":3173,"path":3174,"sha1hash":3141,"size":3175,"uploadId":3176,"url":3177},{"_type":68,"blurHash":3143,"dimensions":3508,"hasAlpha":4,"isOpaque":75,"lqip":3148,"palette":3509},{"_type":71,"aspectRatio":3145,"height":3146,"width":3147},{"_type":78,"darkMuted":3510,"darkVibrant":3511,"dominant":3512,"lightMuted":3513,"lightVibrant":3514,"muted":3515,"vibrant":3516},{"_type":80,"background":3151,"foreground":82,"population":3152,"title":82},{"_type":80,"background":3154,"foreground":82,"population":3155,"title":82},{"_type":80,"background":3157,"foreground":92,"population":3158,"title":82},{"_type":80,"background":3160,"foreground":92,"population":3161,"title":82},{"_type":80,"background":3157,"foreground":92,"population":3158,"title":82},{"_type":80,"background":3164,"foreground":82,"population":3165,"title":82},{"_type":80,"background":3167,"foreground":92,"population":482,"title":82},{"media":3518},{"tags":3519},[3520],{"_key":3172,"_ref":108,"_type":109,"_weak":75},"Almost a quarter of UK workers (23%) have had to borrow money from family and friends in the last year because of money worries, and almost a fifth have taken on debt (18%). It seems financial worries have become the new normal. With almost 14.6 million UK adults not coping financially or finding it difficult to cope, many are looking for ways to help ease the strain on their finances.","2025-04-23T14:42:00.000Z",{"_type":9,"current":3524},"how-financial-coaching-can-help-people-get-on-track-with-their-finances","How financial coaching can help people get on track with their finances.",[3527,3534,3542,3550,3558,3566,3574,3582,3590,3598,3606,3614,3621,3629,3636],{"_key":3528,"_type":123,"children":3529,"markDefs":3533,"style":190},"6d13c161848a",[3530],{"_key":3531,"_type":127,"marks":3532,"text":3521},"8d5ce750e814",[],[],{"_key":3535,"_type":123,"children":3536,"markDefs":3541,"style":190},"aa0b205040cc",[3537],{"_key":3538,"_type":127,"marks":3539,"text":3540},"f2ab521320cb",[],"Financial coaching offers a powerful tool to help people overcome money worries and get on track with their finances.",[],{"_key":3543,"_type":123,"children":3544,"markDefs":3549,"style":190},"1ed2c7b3becb",[3545],{"_key":3546,"_type":127,"marks":3547,"text":3548},"f62a1ade9665",[197],"WEALTH at work outlines 4 key ways that financial education can help people get on track with their finances:",[],{"_key":3551,"_type":123,"children":3552,"level":203,"listItem":204,"markDefs":3557,"style":190},"c4837e17fc4a",[3553],{"_key":3554,"_type":127,"marks":3555,"text":3556},"6aad93c62527",[197],"Building positive savings habits",[],{"_key":3559,"_type":123,"children":3560,"markDefs":3565,"style":190},"3d2aab0e7f62",[3561],{"_key":3562,"_type":127,"marks":3563,"text":3564},"b00a03a531ed",[],"Building new habits can be difficult, especially when it comes to money. Financial education can help people navigate challenges such as managing a budget and help them establish and stick to positive money habits. It can also help individuals recognise unhelpful patterns and reinforces positive savings habits and enables them to be more considered about spending.",[],{"_key":3567,"_type":123,"children":3568,"level":203,"listItem":204,"markDefs":3573,"style":190},"ce161a5d72f7",[3569],{"_key":3570,"_type":127,"marks":3571,"text":3572},"8100e9cdef45",[197],"Putting a financial plan together",[],{"_key":3575,"_type":123,"children":3576,"markDefs":3581,"style":190},"a24a19c33715",[3577],{"_key":3578,"_type":127,"marks":3579,"text":3580},"a3be105f487a",[],"Financial education can help people understand the importance of putting a financial plan together, including the value of an emergency fund to build financial resilience for unexpected events, for example, if the car breaks down or they face redundancy. It can also help people understand how small savings can compound over time, and how this can grow and help them meet future goals such as buying a house.",[],{"_key":3583,"_type":123,"children":3584,"level":203,"listItem":204,"markDefs":3589,"style":190},"581f5d1453cf",[3585],{"_key":3586,"_type":127,"marks":3587,"text":3588},"d33ea9597097",[197],"Preparing for retirement",[],{"_key":3591,"_type":123,"children":3592,"markDefs":3597,"style":190},"e56c405ddbf5",[3593],{"_key":3594,"_type":127,"marks":3595,"text":3596},"66a5773e54bd",[],"One of the most crucial elements of financial planning is retirement preparation. Our research found 39% of employees think they won’t ever be able to afford to retire at all due to increasing costs. Financial education can help people understand how to make retirement affordable and achievable. Not only this, but it can also help individuals realise all the options available to them at the point of retirement.",[],{"_key":3599,"_type":123,"children":3600,"level":203,"listItem":204,"markDefs":3605,"style":190},"02e80410b071",[3601],{"_key":3602,"_type":127,"marks":3603,"text":3604},"8ad65a555a24",[197],"Driving action",[],{"_key":3607,"_type":123,"children":3608,"markDefs":3613,"style":190},"05c416c510a4",[3609],{"_key":3610,"_type":127,"marks":3611,"text":3612},"66ab7956d1e3",[],"Financial education can help people get a firmer understanding of their situation, so that they can then take steps to improve it. This could include increasing pension contributions, reducing debt, saving tax or utilising workplace savings such as ISAs.",[],{"_key":3615,"_type":123,"children":3616,"markDefs":3620,"style":190},"d9e6822cb003",[3617],{"_key":3618,"_type":127,"marks":3619,"text":1222},"68c315ebfbcf",[197],[],{"_key":3622,"_type":123,"children":3623,"markDefs":3628,"style":190},"e181a4ddb400",[3624],{"_key":3625,"_type":127,"marks":3626,"text":3627},"d7135eb9fa8d",[],"“Many leading workplaces want to support employees to be financially secure and offer financial education as part of their benefits package. People should make sure that they speak to their employer to see how they can help.”",[],{"_key":3630,"_type":123,"children":3631,"markDefs":3635,"style":190},"da189f5d63df",[3632],{"_key":3633,"_type":127,"marks":3634,"text":606},"c845d043b338",[],[],{"_key":3637,"_type":123,"children":3638,"markDefs":3643,"style":190},"083078547275",[3639],{"_key":3640,"_type":127,"marks":3641,"text":3642},"3a0463911f00",[],"Links to websites external to those of Wealth at Work Limited (also referred to here as 'we', 'us', 'our' 'ours') will usually contain some content that is not written by us and over which we have no authority and which we do not endorse. Any hyperlinks or references to third party websites are provided for your convenience only. Therefore please be aware that we do not accept responsibility for the content of any third party site(s) except content that is specifically attributed to us or our employees and where we are the authors of such content. Further, we accept no responsibility for any malicious codes (or their consequences) of external sites. Nor do we endorse any organisation or publication to which we link and make no representations about them.",[],[3645],{"_createdAt":980,"_id":981,"_rev":982,"_type":377,"_updatedAt":983,"brandSpecific":75,"slug":984,"title":985},{"_id":3647,"blogPostMeta":3648,"content":3670,"tag":3756,"title":3669},"89e91ffd-ec25-411b-acc7-5c152d084a0a",{"_type":56,"featuredImage":3649,"featuredVideo":115,"preview":3665,"publishedAt":3666,"slug":3667,"title":3669},{"_type":58,"asset":3650},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":3651,"mimeType":102,"opt":3661,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":3652,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":3653},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":3654,"darkVibrant":3655,"dominant":3656,"lightMuted":3657,"lightVibrant":3658,"muted":3659,"vibrant":3660},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":3662},{"tags":3663},[3664],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"It was a shortened trading week in the West, with markets in the US, UK, and Europe closed for Good Friday, and UK and European bourses staying shut through Easter Monday.","2025-04-18T15:23:00.000Z",{"_type":9,"current":3668},"week-ending-18th-april-2025","Week ending 18th April 2025.",[3671,3674,3678,3685,3693,3701,3709,3717,3725,3733,3741,3749],{"_key":3672,"_type":2605,"height":2606,"url":3673,"width":2608},"4ab025fa6440","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1077571110?h=efbe5b1d43",{"_key":3675,"_type":58,"asset":3676},"39bdf47c3817",{"_ref":3677,"_type":109},"image-d9ce63177aa089ea2f08e00ff81e126b1c730faf-602x477-png",{"_key":3679,"_type":123,"children":3680,"markDefs":3684,"style":190},"72182fc65cb1",[3681],{"_key":3682,"_type":127,"marks":3683,"text":3665},"db511a745519",[],[],{"_key":3686,"_type":123,"children":3687,"markDefs":3692,"style":190},"8ec032a820d1",[3688],{"_key":3689,"_type":127,"marks":3690,"text":3691},"d066158d7c1e",[],"The week saw mixed performances across regions. UK and European equities ended the week higher, while US markets slipped. The Nasdaq and S&P 500 fell, dragged down by tech stocks after chipmakers declined on news of fresh US restrictions on semiconductor exports to China. AI-linked firms like NVIDIA and AMD were hit hardest.",[],{"_key":3694,"_type":123,"children":3695,"markDefs":3700,"style":190},"d50b6ec12c23",[3696],{"_key":3697,"_type":127,"marks":3698,"text":3699},"8d70de658de4",[],"Adding to the unease were comments from Federal Reserve Chair Jerome Powell. Speaking in Chicago, Powell offered a reminder that tariffs come at a cost—namely, higher inflation and slower growth. While he acknowledged the Fed is in no rush to make policy moves, markets interpreted his remarks as a sign that rate cuts may not be imminent after all.",[],{"_key":3702,"_type":123,"children":3703,"markDefs":3708,"style":190},"7aa280f5668b",[3704],{"_key":3705,"_type":127,"marks":3706,"text":3707},"44cfbb829609",[],"Not all US data disappointed—March retail sales rose 1.4%, beating forecasts. Vehicle-related sales surged 5.3%, as buyers moved ahead of possible tariff hikes.",[],{"_key":3710,"_type":123,"children":3711,"markDefs":3716,"style":190},"67ed121d6a7b",[3712],{"_key":3713,"_type":127,"marks":3714,"text":3715},"83a6e107f546",[],"In contrast, European equities shrugged off global jitters. The STOXX Europe 600 rose nearly 4% over the week, with gains seen across major indices. Whilst in the UK, the FTSE 100 jumped 4.6%, its best weekly performance in months.",[],{"_key":3718,"_type":123,"children":3719,"markDefs":3724,"style":190},"1de38881a31c",[3720],{"_key":3721,"_type":127,"marks":3722,"text":3723},"43a37e316ea4",[],"A mix of central bank dovishness and political pragmatism helped. The European Central Bank, as widely expected, trimmed interest rates by 25 basis points to 2.25%. But more significantly, it signalled it’s ready to go further. The ECB dropped earlier language about policy being “less restrictive” and instead adopted a data-driven, meeting-by-meeting stance.",[],{"_key":3726,"_type":123,"children":3727,"markDefs":3732,"style":190},"6f7f072e419f",[3728],{"_key":3729,"_type":127,"marks":3730,"text":3731},"366aadfed1fe",[],"Back at home, the UK delivered a rare upside surprise—by undershooting inflation expectations. Headline CPI came in at 2.6% for March, down from 2.8% and below the consensus forecast of 2.7%. According to the ONS, lower prices for recreational goods and motor fuel helped cool inflation, although clothing costs rose sharply, offsetting some of the decline. Services inflation, a key focus for the Bank of England, also cooled more than anticipated.",[],{"_key":3734,"_type":123,"children":3735,"markDefs":3740,"style":190},"c0235042198e",[3736],{"_key":3737,"_type":127,"marks":3738,"text":3739},"bb2103681a80",[],"Wage data, meanwhile, showed earnings growth remains firm even as the jobs market softens. Average weekly earnings (excluding bonuses) rose 5.9% year-on-year in the three months to February. At the same time, March payroll data showed a decline of 78,000 jobs—the sharpest drop since 2020—raising questions about how long wage strength can persist.",[],{"_key":3742,"_type":123,"children":3743,"markDefs":3748,"style":190},"335f5529ff92",[3744],{"_key":3745,"_type":127,"marks":3746,"text":3747},"6466566b7ea3",[],"Still to come this week we have Japanese and US PMI data and UK retail sales.",[],{"_key":3750,"_type":123,"children":3751,"markDefs":3755,"style":190},"082eb5b8afa1",[3752],{"_key":3753,"_type":127,"marks":3754,"text":2546},"437ed6b98038",[197],[],[3757],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":3758,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":3760,"title":3039},{"base":3759},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":3762,"blogPostMeta":3763,"content":3785,"tag":3867,"title":3784},"88951aee-278a-494e-90b6-658e73f916dd",{"_type":56,"featuredImage":3764,"featuredVideo":115,"preview":3780,"publishedAt":3781,"slug":3782,"title":3784},{"_type":58,"asset":3765},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":3766,"mimeType":102,"opt":3776,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":3767,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":3768},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":3769,"darkVibrant":3770,"dominant":3771,"lightMuted":3772,"lightVibrant":3773,"muted":3774,"vibrant":3775},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":3777},{"tags":3778},[3779],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"This last week has brought calmer waters for global financial markets, with volatility easing across major regions. It’s a shortened trading week in the UK, Europe, and the US, with markets closed on Good Friday, and UK and European exchanges also shut on Easter Monday.","2025-04-16T08:12:00.000Z",{"_type":9,"current":3783},"market-update-16th-april-2025","Market Update – 16th April 2025.",[3786,3789,3796,3804,3812,3820,3828,3836,3844,3852,3860],{"_key":3787,"_type":2605,"height":2606,"url":3788,"width":2608},"83e5d7b59333","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1075999324?h=e4c1669dbd",{"_key":3790,"_type":123,"children":3791,"markDefs":3795,"style":190},"73373d7daf87",[3792],{"_key":3793,"_type":127,"marks":3794,"text":3780},"445c7c522f65",[],[],{"_key":3797,"_type":123,"children":3798,"markDefs":3803,"style":190},"aa2a9d90ecb0",[3799],{"_key":3800,"_type":127,"marks":3801,"text":3802},"348aab53def5",[],"Markets largely behaved as expected, with tariff-related comments from Donald Trump causing short-term volatility, while any swift policy reversal quickly pushed markets higher. His pause on tariffs and talk of exemptions—particularly for tech—lifted sentiment, while comments about easing auto tariffs drove gains across UK, European, and Asian markets. US Treasury yields also stabilised after last week’s dip.",[],{"_key":3805,"_type":123,"children":3806,"markDefs":3811,"style":190},"2d507e255c35",[3807],{"_key":3808,"_type":127,"marks":3809,"text":3810},"a0da8351357e",[],"Trump’s messaging appears characteristically inconsistent—initially hinting at relief for supply chains, before later asserting that “nobody is getting off the hook.” However, markets appear increasingly resilient to this back-and-forth. As anticipated, investors seem to be treating headline volatility as noise rather than a signal of meaningful policy change. With trade negotiations on the horizon and brinkmanship likely to remain a feature of Trump’s strategy, further headline-driven fluctuations are to be expected.",[],{"_key":3813,"_type":123,"children":3814,"markDefs":3819,"style":190},"19ac29bfe8c1",[3815],{"_key":3816,"_type":127,"marks":3817,"text":3818},"d02804e90813",[],"Meanwhile, tensions between the US and China continue to simmer. However, China appears better positioned than expected, supported by diversified trade links and strategic control over key materials. Data revealed that China’s GDP grew by 5.4% year-on-year in Q1—beating expectations of 5.1%. This marks the strongest annual growth in 18 months, underpinned by Beijing’s ongoing stimulus efforts. Despite trade tensions, China’s broad economic base and control over critical resources continue to provide resilience and leverage in negotiations with the US. The rivalry between the world’s two largest economies has long been evident. However, as observed during the last term of President Trump’s administration, beneath the trade tensions lies a significant level of interdependence, which often emerges as a key driver in reaching trade agreements.",[],{"_key":3821,"_type":123,"children":3822,"markDefs":3827,"style":190},"3302c5d75f7d",[3823],{"_key":3824,"_type":127,"marks":3825,"text":3826},"9ccc9abb588c",[],"As trade discussions continue and geopolitical dynamics remain fluid, the value of global diversification has become increasingly clear. These periods of short-term noise, volatility, and sudden policy shifts are exactly when a well-diversified portfolio proves its strength.",[],{"_key":3829,"_type":123,"children":3830,"markDefs":3835,"style":190},"9544f852daad",[3831],{"_key":3832,"_type":127,"marks":3833,"text":3834},"a28f6d556fc4",[],"A carefully constructed mix of equities, fixed income, and cash—spread not only across sectors but also across global regions—is essential. Different regions experience varying economic cycles, policy responses, and market performance, helping to smooth returns over time. This diversification helps ensure that no single policy decision or economic event has an outsized impact on overall portfolio performance, allowing investors to navigate a broader range of market conditions with greater resilience.",[],{"_key":3837,"_type":123,"children":3838,"markDefs":3843,"style":190},"953248b2f025",[3839],{"_key":3840,"_type":127,"marks":3841,"text":3842},"46a93de68eff",[],"This global reach also brings practical advantages—especially during regional market closures. For instance, while it’s a shortened trading week across the UK, Europe, and the US, Asian markets remain open, allowing globally diversified portfolios to continue benefiting from market activity and emerging opportunities—even when parts of the West are on pause.",[],{"_key":3845,"_type":123,"children":3846,"markDefs":3851,"style":190},"5b5ca78c541a",[3847],{"_key":3848,"_type":127,"marks":3849,"text":3850},"ddd896eaddbd",[],"This global diversification includes exposure to developed markets such as the US, where technology and healthcare continue to drive performance, as well as to fast-growing economies like India and China, where long-term trends such as digital transformation and rising consumption underpin structural growth. Sector allocation also plays a critical role, helping avoid overexposure to any single theme through balanced positions across areas such as financials, energy, healthcare, and consumer goods.",[],{"_key":3853,"_type":123,"children":3854,"markDefs":3859,"style":190},"15ef9d0987c5",[3855],{"_key":3856,"_type":127,"marks":3857,"text":3858},"40aff5c5006c",[],"Rather than reacting to short-term market noise, this research-led process ensures portfolios remain aligned with your long-term goals while retaining the flexibility to adapt as conditions evolve. Behind this high level of diversification is an active, forward-looking investment approach. Our experienced investment management team are continuously monitoring not only stocks within each region, but also macroeconomic policy and economic data as this is a key contributor to long term portfolio returns.",[],{"_key":3861,"_type":123,"children":3862,"markDefs":3866,"style":190},"1ffc479ffc2b",[3863],{"_key":3864,"_type":127,"marks":3865,"text":3026},"5d3f9cabd056",[197],[],[3868],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":3870,"blogPostMeta":3871,"content":3893,"tag":3964,"title":3892},"b5bf3841-079c-4068-97f4-18c8596944eb",{"_type":56,"featuredImage":3872,"featuredVideo":115,"preview":3888,"publishedAt":3889,"slug":3890,"title":3892},{"_type":58,"asset":3873},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":3874,"mimeType":102,"opt":3884,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":3875,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":3876},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":3877,"darkVibrant":3878,"dominant":3879,"lightMuted":3880,"lightVibrant":3881,"muted":3882,"vibrant":3883},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":3885},{"tags":3886},[3887],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"This volatile week has underscored the value of maintaining a long-term focus. 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This highlights the importance of staying focused on long-term investment objectives rather than reacting to short-term market noise.","2025-04-11T15:22:00.000Z",{"_type":9,"current":3891},"week-ending-11th-april-2025","Week ending 11th April 2025.",[3894,3897,3901,3908,3916,3924,3932,3940,3948,3956],{"_key":3895,"_type":2605,"height":2606,"url":3896,"width":2608},"0a49d78db960","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1075295875?h=ea3d876250",{"_key":3898,"_type":58,"asset":3899},"41742f7d5807",{"_ref":3900,"_type":109},"image-70d480e054141eeb28c595f5cf9adfb1ac5c72c5-634x503-png",{"_key":3902,"_type":123,"children":3903,"markDefs":3907,"style":190},"add5f200dcba",[3904],{"_key":3905,"_type":127,"marks":3906,"text":3888},"956f88720224",[],[],{"_key":3909,"_type":123,"children":3910,"markDefs":3915,"style":190},"ce5102bd77d4",[3911],{"_key":3912,"_type":127,"marks":3913,"text":3914},"2b66809797be",[],"Trump’s so-called reciprocal tariffs came into effect earlier this week, causing a broad sell-off in global markets. Then came Wednesday, and with it, Donald Trump’s dramatic reversal, dropping tariffs to a blanket 10% for 90 days to allow for trade negotiations with most of the countries and territories targeted. Critically, China was not included in the pause, but even a partial reprieve was enough to ignite a powerful rally. That single day transformed the week. The S&P 500 jumped 9.5%, marking its ninth-largest daily percentage gain in history, while the Nasdaq Composite surged over 12%, recording its second-best session ever.",[],{"_key":3917,"_type":123,"children":3918,"markDefs":3923,"style":190},"c735d88ce0e3",[3919],{"_key":3920,"_type":127,"marks":3921,"text":3922},"1be86fd5540d",[],"By Friday, the S&P 500 had gained 5.7%, the Nasdaq was up 7.3%, and the Dow Jones rose 5%, rounding out one of the most dramatic weekly turnarounds since the financial crisis.",[],{"_key":3925,"_type":123,"children":3926,"markDefs":3931,"style":190},"7cc96deda20c",[3927],{"_key":3928,"_type":127,"marks":3929,"text":3930},"4e423c043c72",[],"Markets in Europe and Asia staged significant recoveries following the U.S. pause announcement but ultimately closed the week lower as the tit-for-tat tariffs between the U.S. and China continued. President Trump pressed ahead with aggressive tariff hikes on Chinese imports, raising duties to 145% by week’s end, while Beijing retaliated with 125% levies on U.S. goods, describing Donald Trump’s brinkmanship as “a joke.”",[],{"_key":3933,"_type":123,"children":3934,"markDefs":3939,"style":190},"083d90963cec",[3935],{"_key":3936,"_type":127,"marks":3937,"text":3938},"b51672cd17a8",[],"We have consistently advised investors to avoid reacting impulsively to sharp market pullbacks, and this week provided a clear illustration of why. Despite the unsettling headlines, patient investors were rewarded as the markets swiftly rebounded reaffirming our belief that Trump’s trade tactics are merely short-term noise.",[],{"_key":3941,"_type":123,"children":3942,"markDefs":3947,"style":190},"1a87c568a533",[3943],{"_key":3944,"_type":127,"marks":3945,"text":3946},"4b3930e478f5",[],"Economic data wise, U.S. inflation cooled more than expected in March, with headline CPI dropping to 2.4% from 2.8%, and core inflation easing as well — supporting the view that price pressures are cooling. While full impact of the proposed tariffs may not yet be visible, the data, along with a strong labour market and resilient spending, suggests the U.S. economy remains solid.",[],{"_key":3949,"_type":123,"children":3950,"markDefs":3955,"style":190},"7ac09b069707",[3951],{"_key":3952,"_type":127,"marks":3953,"text":3954},"d96ccc9d76e8",[],"In the UK, the FTSE 100 rose on Friday after the economy unexpectedly grew 0.5% in February, driven by strong services and a surge in exports to the U.S. ahead of new tariffs. While the data lifted markets, expectations for faster rate cuts from the Bank of England persist, with analysts cautioning that growth may falter amid trade and geopolitical pressures.",[],{"_key":3957,"_type":123,"children":3958,"markDefs":3963,"style":190},"74abb20c7708",[3959],{"_key":3960,"_type":127,"marks":3961,"text":3962},"9e8344b8d5c6",[],"Just when investors thought the week had delivered its final twist, the White House dropped another surprise—this time after markets had closed on Friday. On Saturday, the Trump administration announced that it would exempt smartphones, computers, semiconductors, and other key electronics from the newly imposed China tariffs. The exemption, backdated to April 5, is expected to ease pressure on the tech sector and help prevent a sharp rise in consumer device prices.",[],[3965],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":3966,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":3968,"title":3039},{"base":3967},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":3970,"blogPostMeta":3971,"content":4014,"tag":4139,"title":558},"860c58b6-f21c-4003-8e8a-95b022d0e11c",{"_type":56,"featuredImage":3972,"featuredVideo":115,"preview":4010,"publishedAt":4011,"slug":4012,"title":558},{"_type":58,"alt":3973,"asset":3974},"couple at home desk looking at laptop",{"_createdAt":3975,"_id":3976,"_rev":62,"_type":63,"_updatedAt":64,"assetId":3977,"extension":393,"metadata":3978,"mimeType":421,"opt":4000,"originalFilename":4005,"path":4006,"sha1hash":3977,"size":4007,"uploadId":4008,"url":4009},"2025-05-07T14:40:31Z","image-dd332862b589d0180f757345d9eed0f22022cdc1-1000x667-jpg","dd332862b589d0180f757345d9eed0f22022cdc1",{"_type":68,"blurHash":3979,"dimensions":3980,"hasAlpha":4,"isOpaque":75,"lqip":3981,"palette":3982},"VDFrFe~VEM-;%M01Z$wIV@t6=^NG9GD%IpBEx^x]x]s:",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAGQAAAgMBAAAAAAAAAAAAAAAAAAcCAwUG\u002F8QAIRAAAgEEAgIDAAAAAAAAAAAAAgMBAAQFERIhBlETFDH\u002FxAAXAQADAQAAAAAAAAAAAAAAAAACAwQF\u002F8QAHBEAAgICAwAAAAAAAAAAAAAAAAIDERRBARMh\u002F9oADAMBAAIRAxEAPwDl81YswWRUspMVM1C2dxJT6qGUcg\u002FgbcmAHyLvluOo9+6YKcKXloW7s1eMZ9dsEAgMD3VF941j8bbMQlQmMMkolo8tbrPV403yX9bSLdeirsbC3cmWRMFBFMxO\u002FwB7orZvMNbKuTFcsAZnehLUUUeSmhGLIf\u002FZ",{"_type":78,"darkMuted":3983,"darkVibrant":3986,"dominant":3989,"lightMuted":3990,"lightVibrant":3993,"muted":3995,"vibrant":3998},{"_type":80,"background":3984,"foreground":82,"population":3985,"title":82},"#544228",0.73,{"_type":80,"background":3987,"foreground":82,"population":3988,"title":82},"#6a472a",8.16,{"_type":80,"background":3987,"foreground":82,"population":3988,"title":82},{"_type":80,"background":3991,"foreground":92,"population":3992,"title":82},"#d6c0b5",1.72,{"_type":80,"background":3994,"foreground":92,"population":2584,"title":82},"#efbc96",{"_type":80,"background":3996,"foreground":82,"population":3997,"title":82},"#a27856",6.35,{"_type":80,"background":3999,"foreground":82,"population":482,"title":82},"#bc7c44",{"media":4001},{"tags":4002},[4003],{"_key":4004,"_ref":108,"_type":109,"_weak":75},"6RGxymRsQQ7nVI28q6xJ7","shutterstock_2510293381.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002Fdd332862b589d0180f757345d9eed0f22022cdc1-1000x667.jpg",452929,"d5m0zWa1F4Qp6Ot98MGVwjE6NISyJaDv","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002Fdd332862b589d0180f757345d9eed0f22022cdc1-1000x667.jpg","Money worries are having a detrimental impact on the workplace with our latest research finding that 40% of employees believe that it affects work performance by causing increased stress levels. One in ten (10%) say it has led to increased sick days.","2025-04-10T14:14:00.000Z",{"_type":9,"current":4013},"how-employers-are-stepping-up-and-helping-people-manage-financial-stress",[4015,4022,4030,4038,4046,4054,4061,4069,4077,4084,4091,4099,4107,4115,4123,4131],{"_key":4016,"_type":123,"children":4017,"markDefs":4021,"style":190},"2c7b9b68144a",[4018],{"_key":4019,"_type":127,"marks":4020,"text":4010},"b6751c47b1f4",[],[],{"_key":4023,"_type":123,"children":4024,"markDefs":4029,"style":190},"12695c64b65d",[4025],{"_key":4026,"_type":127,"marks":4027,"text":4028},"6045c5d89d1a",[],"Our financial wellbeing research with the Reward & Employee Benefits Association (REBA) shows that employers are well aware of financial wellbeing risks they expect employees to face. This includes inflation (76%), costs impacting working parents such as childcare (73%), rental costs (64%), carer costs including eldercare (46%), high interest rates on mortgages (58%) and high energy prices (58%). In fact, 53% of employers say the increased cost of living will be a driver of change for future financial wellbeing support.",[],{"_key":4031,"_type":123,"children":4032,"markDefs":4037,"style":190},"e55da88b22ef",[4033],{"_key":4034,"_type":127,"marks":4035,"text":4036},"833fbf94ffa8",[],"Other financial wellbeing risks high on the list for employers include insufficient retirement savings (71%) and a lack of financial literacy (62%). To combat these concerns, almost half of employers to their financial wellbeing offerings, and over a third (35%) say they will increase financial wellbeing spend.",[],{"_key":4039,"_type":123,"children":4040,"markDefs":4045,"style":190},"bd144b05aefa",[4041],{"_key":4042,"_type":127,"marks":4043,"text":4044},"650196440865",[],"The focus has now shifted to providing employees with the knowledge and tools to manage their finances better. Specifically, employers offer or plan to offer financial education from an independent provider (47%), financial coaching e.g. one-to-one guidance (43%) and advice on general finances (47%), or advice specific to retirement (54%), as well as support with pre-retirement planning (60%).",[],{"_key":4047,"_type":123,"children":4048,"markDefs":4053,"style":190},"af42ca0889e6",[4049],{"_key":4050,"_type":127,"marks":4051,"text":4052},"a4bdc81fe212",[],"Support is also growing for savings products. Currently, about one in seven employers (14%) offer savings via tax-free wrappers such as a Workplace ISA. This is set to more than double to 30% of employers in the future. It seems this workplace benefit would be welcomed by employees with our research finding that if they had spare cash, 42% of workers would save it for a rainy day such as in an ISA.",[],{"_key":4055,"_type":123,"children":4056,"markDefs":4060,"style":190},"3625e881c05c",[4057],{"_key":4058,"_type":127,"marks":4059,"text":1222},"7b868cbcc0ca",[],[],{"_key":4062,"_type":123,"children":4063,"markDefs":4068,"style":190},"8fb74a3fd0a4",[4064],{"_key":4065,"_type":127,"marks":4066,"text":4067},"5e1b0c72833e",[],"“Money worries can have a detrimental impact on people’s home and work life. So, it’s good to see that employers are stepping up to provide employees with the tools and knowledge to better manage their finances. Many leading companies now provide employees with financial education and guidance from financial coaches which can help them to address gaps in financial literacy.",[],{"_key":4070,"_type":123,"children":4071,"markDefs":4076,"style":190},"abc50663119a",[4072],{"_key":4073,"_type":127,"marks":4074,"text":4075},"6981045d2ccf",[],"He adds; “Many employers also offer a range of savings products such as ISAs to help people create a savings pot for their future or for an emergency such as the car breaking down. So don’t hesitate to speak to your employer about how they can help you, as you may find that it makes a massive positive difference to your finances.”",[],{"_key":4078,"_type":123,"children":4079,"markDefs":4083,"style":190},"56ca05b9fa1b",[4080],{"_key":4081,"_type":127,"marks":4082,"text":606},"9110dfcda5b2",[],[],{"_key":4085,"_type":123,"children":4086,"markDefs":4090,"style":190},"89dfb20337e1",[4087],{"_key":4088,"_type":127,"marks":4089,"text":3642},"0d63d20a3d4e",[],[],{"_key":4092,"_type":123,"children":4093,"markDefs":4098,"style":190},"80f48fca6abe",[4094],{"_key":4095,"_type":127,"marks":4096,"text":4097},"8799be328ad2",[],"Let's see bullets:",[],{"_key":4100,"_type":123,"children":4101,"level":203,"listItem":759,"markDefs":4106,"style":190},"912755046bda",[4102],{"_key":4103,"_type":127,"marks":4104,"text":4105},"8a7de0824433",[],"Bullet 1",[],{"_key":4108,"_type":123,"children":4109,"level":203,"listItem":759,"markDefs":4114,"style":190},"e9ca085bc361",[4110],{"_key":4111,"_type":127,"marks":4112,"text":4113},"098277f0b1fb",[],"Bullet 2",[],{"_key":4116,"_type":123,"children":4117,"markDefs":4122,"style":190},"cc700f8ce325",[4118],{"_key":4119,"_type":127,"marks":4120,"text":4121},"995a13a69b16",[],"Let's see numbered list:",[],{"_key":4124,"_type":123,"children":4125,"level":203,"listItem":204,"markDefs":4130,"style":190},"78bdc77d4739",[4126],{"_key":4127,"_type":127,"marks":4128,"text":4129},"a33fb2b8e2f5",[],"Hello 1",[],{"_key":4132,"_type":123,"children":4133,"level":203,"listItem":204,"markDefs":4138,"style":190},"838f0180a1d9",[4134],{"_key":4135,"_type":127,"marks":4136,"text":4137},"a035aac2cebc",[],"Hello 2",[],[4140,4141],{"_createdAt":980,"_id":981,"_rev":982,"_type":377,"_updatedAt":983,"brandSpecific":75,"slug":984,"title":985},{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":4142,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":4144,"title":3039},{"base":4143},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":4146,"blogPostMeta":4147,"content":4169,"tag":4236,"title":4168},"7901bfbe-b2c2-4dfd-96f4-454683986d7b",{"_type":56,"featuredImage":4148,"featuredVideo":115,"preview":4164,"publishedAt":4165,"slug":4166,"title":4168},{"_type":58,"asset":4149},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":4150,"mimeType":102,"opt":4160,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":4151,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":4152},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":4153,"darkVibrant":4154,"dominant":4155,"lightMuted":4156,"lightVibrant":4157,"muted":4158,"vibrant":4159},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":4161},{"tags":4162},[4163],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"After a stormy week, markets regained some composure on Tuesday, though some ended the day on a subdued note. A sizeable rally followed the opening bell, sparked by signs that the U.S. might enter negotiations to reduce tariffs on key trading partners.","2025-04-09T08:10:00.000Z",{"_type":9,"current":4167},"market-update-9th-april-2025","Market Update – 9th April 2025.",[4170,4173,4181,4189,4197,4205,4213,4221,4229],{"_key":4171,"_type":2605,"height":2606,"url":4172,"width":2608},"b81203281aa4","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1073889461?h=c3471921ec",{"_key":4174,"_type":123,"children":4175,"markDefs":4180,"style":190},"b9f2d4c4ef85",[4176],{"_key":4177,"_type":127,"marks":4178,"text":4179},"af25ab54f5d5",[],"After a stormy week, markets regained some composure on Tuesday, though some ended the day on a subdued note. A sizeable rally followed the opening bell, sparked by signs that the U.S. might enter negotiations to reduce tariffs on key trading partners. That optimism fuelled massive gains across global markets, with the FTSE 100 and Eurostoxx 50 both closing up around 2.7%, and U.S. indices surging at the open—the S&P 500 and Nasdaq rising as much as 4% and 4.5%, respectively. But the rally unravelled as the White House confirmed it would move forward with significant tariffs on China, including an additional 84% in levies across all imports, bringing the total to at least 104%. As the first round of previously announced tariffs came into effect around midnight with no signs of moderation, caution returned, and U.S. markets closed the day lower.",[],{"_key":4182,"_type":123,"children":4183,"markDefs":4188,"style":190},"a3becf723416",[4184],{"_key":4185,"_type":127,"marks":4186,"text":4187},"1a0c3bd57e57",[],"While dramatic headlines and sensational news stories continue to dominate, we encourage clients, as always, to hold their nerve and remain committed to their long-term investment strategies. Our investment management team is working diligently behind the scenes, focusing on market and economic fundamentals. By looking beyond the short-term noise, we’re committed to ensuring your portfolios are positioned for long-term success and to identifying opportunities to capitalise on market dips along the way.",[],{"_key":4190,"_type":123,"children":4191,"markDefs":4196,"style":190},"625d33b22bfb",[4192],{"_key":4193,"_type":127,"marks":4194,"text":4195},"2127886b6bf2",[],"Tariffs aren’t the only talking point for markets this week – even if they have stolen the spotlight.",[],{"_key":4198,"_type":123,"children":4199,"markDefs":4204,"style":190},"0ce2d4181acd",[4200],{"_key":4201,"_type":127,"marks":4202,"text":4203},"7d8e41b0272b",[],"U.S. jobs data released on Friday showed that 228,000 jobs were added in March—well above expectations—underscoring the continued resilience of the U.S. economy despite ongoing uncertainty around President Trump’s policies, including tariffs and federal workforce cuts. While momentum remains steady for now, market participants are beginning to price in a potential slowdown in the labour market in the coming months, as higher taxes and supply chain disruptions could start to weigh on growth. On Friday, Fed Chair, Jerome Powell, acknowledged that the U.S. may face slower growth and rising inflation in the quarters ahead—factors that could complicate the Fed’s ability to lower interest rates at its next meeting in June. Markets are currently expecting a rate cut at that time.",[],{"_key":4206,"_type":123,"children":4207,"markDefs":4212,"style":190},"bfd87c2934eb",[4208],{"_key":4209,"_type":127,"marks":4210,"text":4211},"ef96aeadb23b",[],"Retail sales in the Eurozone climbed by 2.3% year-on-year in February, up from a revised 1.8% increase in January, according to figures published by Eurostat on Monday. A closer look at the data reveals slight gains across the major categories of food and beverages. At the same time that retail sales were gaining momentum, fresh data showed a slight cooling in industrial producer prices across the Euro Area. In February 2025, prices inched up just 0.2% from the previous month, a slowdown from January’s upwardly revised 0.7% increase.",[],{"_key":4214,"_type":123,"children":4215,"markDefs":4220,"style":190},"cda79955a763",[4216],{"_key":4217,"_type":127,"marks":4218,"text":4219},"2353bc8cc11a",[],"The key question now is whether this latest data strengthens the case for the European Central Bank (‘ECB’) to hold off on further interest rate cuts at their next meeting, or if they’ll opt to continue easing. While consumer spending has shown a modest rebound and inflationary pressures appear to be softening, policymakers must also weigh the risks of an escalating trade war with the U.S.—a threat that could derail the Eurozone’s fragile recovery. Although earlier hopes for fiscal stimulus briefly lifted the outlook for growth and inflation, these measures will take time to fully materialise. In the meantime, concerns over sluggish growth are likely to dominate, and markets have already priced in further rate cuts by the ECB.",[],{"_key":4222,"_type":123,"children":4223,"markDefs":4228,"style":190},"bd1a20e9c048",[4224],{"_key":4225,"_type":127,"marks":4226,"text":4227},"fd584dce92cd",[],"Still to come this week we have Fed meeting minutes, China’s PPI and CPI, US CPI and UK GDP.",[],{"_key":4230,"_type":123,"children":4231,"markDefs":4235,"style":190},"7c2e09fc46a0",[4232],{"_key":4233,"_type":127,"marks":4234,"text":2546},"c0fc3c341a7b",[197],[],[4237],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":4239,"blogPostMeta":4240,"content":4261,"tag":4338,"title":4260},"dd92e030-46b1-41a2-bccc-d1fd042bd899",{"_type":56,"featuredImage":4241,"featuredVideo":115,"preview":4010,"publishedAt":4257,"slug":4258,"title":4260},{"_type":58,"asset":4242},{"_createdAt":3975,"_id":3976,"_rev":62,"_type":63,"_updatedAt":64,"assetId":3977,"extension":393,"metadata":4243,"mimeType":421,"opt":4253,"originalFilename":4005,"path":4006,"sha1hash":3977,"size":4007,"uploadId":4008,"url":4009},{"_type":68,"blurHash":3979,"dimensions":4244,"hasAlpha":4,"isOpaque":75,"lqip":3981,"palette":4245},{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},{"_type":78,"darkMuted":4246,"darkVibrant":4247,"dominant":4248,"lightMuted":4249,"lightVibrant":4250,"muted":4251,"vibrant":4252},{"_type":80,"background":3984,"foreground":82,"population":3985,"title":82},{"_type":80,"background":3987,"foreground":82,"population":3988,"title":82},{"_type":80,"background":3987,"foreground":82,"population":3988,"title":82},{"_type":80,"background":3991,"foreground":92,"population":3992,"title":82},{"_type":80,"background":3994,"foreground":92,"population":2584,"title":82},{"_type":80,"background":3996,"foreground":82,"population":3997,"title":82},{"_type":80,"background":3999,"foreground":82,"population":482,"title":82},{"media":4254},{"tags":4255},[4256],{"_key":4004,"_ref":108,"_type":109,"_weak":75},"2025-04-08T10:04:00.000Z",{"_type":9,"current":4259},"how-employers-are-stepping-up-and-helping-employees-manage-financial-stress","How employers are stepping up and helping employees manage financial stress.",[4262,4269,4277,4285,4293,4300,4307,4314,4322,4330],{"_key":4263,"_type":123,"children":4264,"markDefs":4268,"style":190},"3fb75406efb9",[4265],{"_key":4266,"_type":127,"marks":4267,"text":4010},"b9191bf53b78",[],[],{"_key":4270,"_type":123,"children":4271,"markDefs":4276,"style":190},"f17f399a6089",[4272],{"_key":4273,"_type":127,"marks":4274,"text":4275},"b1b8cfc2004d",[],"Our financial wellbeing research with the Reward & Employee Benefits Association (REBA) shows that employers are well aware of financial wellbeing risks they expect employees to face. This includes inflation (76%), costs impacting working parents such as childcare (73%), rental costs (64%), carer costs including eldercare (46%), high interest rates on mortgages (58%) and high energy prices (58%). In fact, 53% of employers say the increased cost of living will be a driver of change for future financial wellbeing support.",[],{"_key":4278,"_type":123,"children":4279,"markDefs":4284,"style":190},"04ddeb961b16",[4280],{"_key":4281,"_type":127,"marks":4282,"text":4283},"d8374a72a480",[],"Other financial wellbeing risks high on the list for employers include insufficient retirement savings (71%) and a lack of financial literacy (62%).",[],{"_key":4286,"_type":123,"children":4287,"markDefs":4292,"style":190},"7a6656c86117",[4288],{"_key":4289,"_type":127,"marks":4290,"text":4291},"dd82d0f9ddd7",[],"To combat these concerns, almost half of employers to their financial wellbeing offerings, and over a third (35%) say they will increase financial wellbeing spend.",[],{"_key":4294,"_type":123,"children":4295,"markDefs":4299,"style":190},"a1139ffe1b26",[4296],{"_key":4297,"_type":127,"marks":4298,"text":4044},"0b7588e7d560",[],[],{"_key":4301,"_type":123,"children":4302,"markDefs":4306,"style":190},"a89dac4c37c8",[4303],{"_key":4304,"_type":127,"marks":4305,"text":4052},"fb3ab1b70964",[],[],{"_key":4308,"_type":123,"children":4309,"markDefs":4313,"style":190},"845897bcdc0f",[4310],{"_key":4311,"_type":127,"marks":4312,"text":1222},"2a0b7940225d",[197],[],{"_key":4315,"_type":123,"children":4316,"markDefs":4321,"style":190},"f103b562373c",[4317],{"_key":4318,"_type":127,"marks":4319,"text":4320},"966951d08475",[],"“Money worries can have a detrimental impact on people’s home and work life. So, it’s good to see that employers are stepping up to provide employees with the tools and knowledge to better manage their finances. Many leading companies now provide employees with financial education and guidance from financial coaches which can help them to address gaps in financial literacy. It’s important to provide a range of learning methods. As well as in-person financial education, knowledge can also be supported through the creation of informative and stimulating content including webcasts, animations and interactive financial wellbeing platforms including Money&Me.",[],{"_key":4323,"_type":123,"children":4324,"markDefs":4329,"style":190},"77e812db28cf",[4325],{"_key":4326,"_type":127,"marks":4327,"text":4328},"6f67695abc32",[],"He adds; “Offering savings products such as a Workplace ISA are also important to help employees build financial resilience. This could be whether they are saving for the future or to create a fund for an emergency such as the car breaking down.”",[],{"_key":4331,"_type":123,"children":4332,"markDefs":4337,"style":190},"89821786a856",[4333],{"_key":4334,"_type":127,"marks":4335,"text":4336},"e350984d6327",[],"He adds; “But to boost engagement, it is important to ensure that employees are aware of all the financial wellbeing benefits on offer, how to access them and how they can use them to their advantage. This is why financial education in the workplace is so important as it can not only help develop understanding and encourage engagement with the benefits on offer, but it’s also a catalyst for behavioural change and action.”",[],[4339,4340],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":4341,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":4343,"title":381},{"base":4342},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":4345,"blogPostMeta":4346,"content":4368,"tag":4522,"title":4367},"a1a87fa5-d7b4-4ab2-946b-f592e98af837",{"_type":56,"featuredImage":4347,"featuredVideo":115,"preview":4363,"publishedAt":4364,"slug":4365,"title":4367},{"_type":58,"asset":4348},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":4349,"mimeType":102,"opt":4359,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":4350,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":4351},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":4352,"darkVibrant":4353,"dominant":4354,"lightMuted":4355,"lightVibrant":4356,"muted":4357,"vibrant":4358},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":4360},{"tags":4361},[4362],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"On 2nd April 2025, President Donald Trump announced a major shift in trade policy, introducing a 10% baseline tariff on all imports. The EU faces an additional 10%, while the UK avoids extra tariffs. China, Vietnam, and Thailand will see rates of 54%, 46%, and 36%, respectively. A separate 25% tariff will also apply to all foreign-made automobiles.","2025-04-04T15:18:00.000Z",{"_type":9,"current":4366},"week-ending-4th-april-2025","Week ending 4th April 2025.",[4369,4372,4376,4383,4391,4399,4403,4411,4415,4423,4431,4435,4443,4451,4459,4467,4475,4483,4491,4499,4507,4515],{"_key":4370,"_type":2605,"height":2606,"url":4371,"width":2608},"2d96e578968d","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1073188724?h=543c5bafeb",{"_key":4373,"_type":58,"asset":4374},"1608ff19bcc6",{"_ref":4375,"_type":109},"image-73070fc0aceee40f1bb10caccbbe33c523568467-602x477-png",{"_key":4377,"_type":123,"children":4378,"markDefs":4382,"style":190},"5b95a7e90011",[4379],{"_key":4380,"_type":127,"marks":4381,"text":4363},"cf179b7d83ac",[],[],{"_key":4384,"_type":123,"children":4385,"markDefs":4390,"style":190},"d24cd28a6341",[4386],{"_key":4387,"_type":127,"marks":4388,"text":4389},"fcb14857b89b",[],"While the new tariffs have sparked some concern, it is important to maintain perspective. Sectors such as automotive and pharmaceuticals may face short-term pressure, but others—such as utilities—are less likely to be impacted. These tariffs likely mark the beginning of broader negotiations and could be adjusted or reversed over time (as we saw during Trump’s previous term), reducing their long-term market impact.",[],{"_key":4392,"_type":123,"children":4393,"markDefs":4398,"style":190},"e6d7e237a063",[4394],{"_key":4395,"_type":127,"marks":4396,"text":4397},"3e660c48638f",[],"Recent events draw some striking parallels to the period following President Trump’s 2017 term. Markets initially rallied on promises of tax cuts and deregulation, but optimism faded as tariff talks took centre stage, triggering sharp equity declines and a weaker U.S. dollar.",[],{"_key":4400,"_type":58,"asset":4401},"04a7a7483e7f",{"_ref":4402,"_type":109},"image-aa250e06e9800c1d43325d69fad8b791fe76b037-1014x528-png",{"_key":4404,"_type":123,"children":4405,"markDefs":4410,"style":190},"70187c988cae",[4406],{"_key":4407,"_type":127,"marks":4408,"text":4409},"8375f053dece",[],"Today, we are seeing a similar market reaction, but this time President Trump is taking a more compressed, aggressive approach by implementing widespread tariff increases across different countries simultaneously.",[],{"_key":4412,"_type":58,"asset":4413},"228d9a382cf4",{"_ref":4414,"_type":109},"image-8f4215df767d3f8c516ce8624d0c372f9c490930-1021x477-png",{"_key":4416,"_type":123,"children":4417,"markDefs":4422,"style":190},"95a2a8fd314e",[4418],{"_key":4419,"_type":127,"marks":4420,"text":4421},"cd19d65253f1",[],"With the midterms in November next year, Trump appears to be pushing to have these measures in place early to boost approval ratings and avoid the missteps of his first term, which saw him lose control of the House of Representatives. If negotiations go well, a market rebound could follow, improving the economic backdrop ahead of the elections.",[],{"_key":4424,"_type":123,"children":4425,"markDefs":4430,"style":190},"256505c5bb76",[4426],{"_key":4427,"_type":127,"marks":4428,"text":4429},"0b5ebea9d424",[],"However, looking back to 2017 the market rebounded relatively quickly as negotiations unfolded and, in some cases, tariffs failed to materialise entirely. Despite initial volatility, investors soon recognised that the measures were not fixed, adjusted their expectations accordingly, and recalibrated their outlook for the future.",[],{"_key":4432,"_type":58,"asset":4433},"161f8247d177",{"_ref":4434,"_type":109},"image-11ad94c21f86a35016bee2cf2fdec627e211d4ec-1008x539-png",{"_key":4436,"_type":123,"children":4437,"markDefs":4442,"style":190},"099e377f5adb",[4438],{"_key":4439,"_type":127,"marks":4440,"text":4441},"f3e0d23ad478",[],"This reinforces the importance of staying focused on the long term — clients who remain committed to their investment strategy are well positioned to benefit as equity markets look past short-term noise and continue their upward trajectory.",[],{"_key":4444,"_type":123,"children":4445,"markDefs":4450,"style":190},"8741da3658aa",[4446],{"_key":4447,"_type":127,"marks":4448,"text":4449},"8fd83037fdda",[],"While the new tariffs imposed by the U.S. may cause disruptions in global markets, the economic impact on China, India, and other countries in broader Asia may not be as severe as some might expect.",[],{"_key":4452,"_type":123,"children":4453,"markDefs":4458,"style":190},"339d9d388f93",[4454],{"_key":4455,"_type":127,"marks":4456,"text":4457},"0c020c1d1268",[],"China, the world’s second-largest economy, maintains strong trade ties with the U.S., especially in manufacturing and technology. However, U.S. trade makes up a relatively small portion of its GDP compared to more export-dependent countries. While specific industries like technology and agriculture may feel the immediate impact of tariffs, China’s ongoing shift toward a consumption-driven economy, fuelled by its large and growing middle class, helps cushion broader economic effects. Domestic sectors such as retail, healthcare, and services are likely to remain resilient, and China may also use this period to deepen trade relations with other regions like the EU and India.",[],{"_key":4460,"_type":123,"children":4461,"markDefs":4466,"style":190},"99e430d31603",[4462],{"_key":4463,"_type":127,"marks":4464,"text":4465},"517f0aaf6e95",[],"Similarly, India—though it has significant U.S. trade in areas such as IT, textiles, and pharmaceuticals—relies less on exports overall. Like China, its trade with the U.S. is a small portion of GDP, with domestic demand playing a growing role in its economy. As a result, while some export-oriented sectors may face headwinds, many industries tied to domestic consumption, such as consumer goods, banking, and infrastructure, are expected to remain largely unaffected.",[],{"_key":4468,"_type":123,"children":4469,"markDefs":4474,"style":190},"f4c9eaf66ff8",[4470],{"_key":4471,"_type":127,"marks":4472,"text":4473},"52f39798dd5f",[],"As the short-term noise surrounding tariffs fades from global markets, we are left with the underlying fundamentals. In the U.S., economic data remains robust. The U.S. consumer is relatively strong, the labour market remains tight, and several industries benefit from significant barriers to entry, all of which position the markets well once the dust settles.",[],{"_key":4476,"_type":123,"children":4477,"markDefs":4482,"style":190},"8805647c0a52",[4478],{"_key":4479,"_type":127,"marks":4480,"text":4481},"80a87682e74e",[],"One must also consider the UK: whatever happens with tariffs, UK investors are likely to remain unscathed, given the makeup of the market, which helps protect it from short-term tariff noise.",[],{"_key":4484,"_type":123,"children":4485,"markDefs":4490,"style":190},"64a4e36c0564",[4486],{"_key":4487,"_type":127,"marks":4488,"text":4489},"24e1b3ebe7c8",[],"At present, European markets are focused on tariff news, overshadowing broader economic concerns. At current levels, Europe appears less attractive due to weak economic data, sector challenges, and political shifts, awaiting a catalyst to boost valuations despite a brief rally.",[],{"_key":4492,"_type":123,"children":4493,"markDefs":4498,"style":190},"4ae64a514918",[4494],{"_key":4495,"_type":127,"marks":4496,"text":4497},"b37933def7f4",[],"In Japan, the automotive sector is particularly vulnerable. Regardless of the outcome of the tariff decisions, the impact on Japan’s automotive manufacturers (among others) could be significant. A stronger yen could exacerbate the challenges faced by Japanese exporters, given the higher interest rate environment, creating a double-edged sword for the country’s economy over the medium term.",[],{"_key":4500,"_type":123,"children":4501,"markDefs":4506,"style":190},"741b8c8de55b",[4502],{"_key":4503,"_type":127,"marks":4504,"text":4505},"109cd230ccb6",[],"While uncertainty remains, it is important to note that we have likely seen the worst of the news. President Trump’s decision to announce all tariff changes at once may give markets more time to absorb the impact and trigger relief rallies as negotiations progress. While we will likely see some further short-term volatility, as trade talks reach a critical point, current market dynamics suggest the worst is behind us, setting the stage for a period of stabilisation and growth.",[],{"_key":4508,"_type":123,"children":4509,"markDefs":4514,"style":190},"a29c27be52e0",[4510],{"_key":4511,"_type":127,"marks":4512,"text":4513},"67436884f844",[],"Our team is closely monitoring developments and will adjust our strategy as needed, always prioritising your long-term goals. Maintaining a long-term investment strategy is key to favourable returns, and this is where the strength of a discretionary-managed portfolio truly shines. By globally diversifying across sectors, regions, and asset classes, these portfolios are built to weather volatility. In turbulent times, resisting reactive decisions is crucial, as pulling out during short-term dips can lock in losses and miss recoveries. Successful investing is about time in the market, not timing the market, and while uncertainty was expected during the first couple of months of Donald Trump’s presidency, his need to push through trade agreements and boost markets well ahead of the midterms will be paramount. Looking at the chart below, we have seen repeatedly over time, the market has faced various sell-offs such as global financial crisis, covid-19 but these periods of short-term volatility often pave the way for long-term opportunities and growth. Remember, it’s not about timing the market, but about time in the market, which has proven to be the key to achieving lasting success.",[],{"_key":4516,"_type":123,"children":4517,"markDefs":4521,"style":190},"28d2de005c16",[4518],{"_key":4519,"_type":127,"marks":4520,"text":3026},"5c317556b616",[197],[],[4523],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":4524,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":4526,"title":3039},{"base":4525},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":4528,"blogPostMeta":4529,"content":4551,"tag":4609,"title":4550},"0dbaa493-5cc4-4a89-8a9e-04d40bf2d32b",{"_type":56,"featuredImage":4530,"featuredVideo":115,"preview":4546,"publishedAt":4547,"slug":4548,"title":4550},{"_type":58,"asset":4531},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":4532,"mimeType":102,"opt":4542,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":4533,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":4534},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":4535,"darkVibrant":4536,"dominant":4537,"lightMuted":4538,"lightVibrant":4539,"muted":4540,"vibrant":4541},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":4543},{"tags":4544},[4545],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"On Tuesday, the FTSE 100 and European stocks saw positive gains, while US stocks fluctuated before closing marginally higher. As we expected, reports this week suggest that the tariffs announced will be the highest amount set, giving countries the opportunity to take steps to bring the tariff amount down.","2025-04-02T15:28:00.000Z",{"_type":9,"current":4549},"market-update-2nd-april-2025","Market Update – 2nd April 2025.",[4552,4555,4562,4570,4578,4586,4594,4602],{"_key":4553,"_type":2605,"height":2606,"url":4554,"width":2608},"ad8ea22aaaa7","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1071733974?h=f36f2ff59f",{"_key":4556,"_type":123,"children":4557,"markDefs":4561,"style":190},"5116f1ca5aa8",[4558],{"_key":4559,"_type":127,"marks":4560,"text":4546},"b82f03c439ce",[],[],{"_key":4563,"_type":123,"children":4564,"markDefs":4569,"style":190},"c1f2c005ad6d",[4565],{"_key":4566,"_type":127,"marks":4567,"text":4568},"e12ea855823d",[],"Investors are therefore eagerly awaiting US President Trump’s tariff announcements this week. The markets have been in a bit of a holding pattern as we anticipate a series of tariffs set to take effect, including a 25% levy on ‘all cars that are not made in the United States’. In addition, Trump is expected to unveil his plan for reciprocal tariffs with 2 April designated as ‘Liberation Day’. However, it’s important to recognise that these announcements are unlikely to set firm tariff levels. Instead, they are more likely a strategic move to gain leverage in ongoing trade negotiations with global partners, giving the administration leverage to secure more favourable trade terms.",[],{"_key":4571,"_type":123,"children":4572,"markDefs":4577,"style":190},"97b69ad831ea",[4573],{"_key":4574,"_type":127,"marks":4575,"text":4576},"dc9d53fb67ed",[],"Meanwhile, Europe’s annual inflation rate eased to 2.2% in March, slightly below the expected 2.3%. Despite four interest rate cuts since September by the European Central Bank, it appears as though rates are still restrictive bringing prices closer to the crucial 2% target. The Central Bank’s swift, data-driven decisions have set it apart from its Western counterparts, but the big question now is: what comes next? With inflation showing signs of improvement, the uncertain spectre of Trump’s tariffs looms large, potentially forcing policymakers to hit pause on any further rate cuts.",[],{"_key":4579,"_type":123,"children":4580,"markDefs":4585,"style":190},"ccb1c16825db",[4581],{"_key":4582,"_type":127,"marks":4583,"text":4584},"0a698f1dd22c",[],"China’s factory activity grew at its fastest pace in four months this March, driven by strong demand and rising export orders, though U.S. trade tensions cloud the outlook. The Caixin manufacturing PMI climbed to 51.2 from 50.8 in February, surpassing expectations and aligning with official data showing the fastest expansion in a year. New orders surged, with exports rising at their quickest pace in 11 months, partly due to U.S. importers stockpiling ahead of expected tariff hikes.",[],{"_key":4587,"_type":123,"children":4588,"markDefs":4593,"style":190},"a7ee78a60e02",[4589],{"_key":4590,"_type":127,"marks":4591,"text":4592},"3bd301fddab1",[],"Over in Japan, the unemployment rate edged down to 2.4% in February from 2.5% the previous month, according to government data. This came in slightly better than economists’ expectations of 2.5%. Meanwhile, the jobs-to-applicants ratio also declined, slipping to 1.24 from January’s 1.26.",[],{"_key":4595,"_type":123,"children":4596,"markDefs":4601,"style":190},"8d12d91d487f",[4597],{"_key":4598,"_type":127,"marks":4599,"text":4600},"fe9a92ef9b8f",[],"Still to come this week we have U.S. non-farm payrolls and unemployment rate and a speech from Fed Chair, Jerome Powell. We also have the Eurozone’s producer price index data.",[],{"_key":4603,"_type":123,"children":4604,"markDefs":4608,"style":190},"93d2458c0cf9",[4605],{"_key":4606,"_type":127,"marks":4607,"text":2546},"c7211d08837c",[197],[],[4610],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":4612,"blogPostMeta":4613,"content":4657,"tag":4770,"title":4656},"ffde6d28-beb3-4c78-a01c-83811cf46b38",{"_type":56,"featuredImage":4614,"featuredVideo":115,"preview":4652,"publishedAt":4653,"slug":4654,"title":4656},{"_type":58,"asset":4615},{"_createdAt":4616,"_id":4617,"_rev":62,"_type":63,"_updatedAt":64,"assetId":4618,"extension":393,"metadata":4619,"mimeType":421,"opt":4642,"originalFilename":4647,"path":4648,"sha1hash":4618,"size":4649,"uploadId":4650,"url":4651},"2025-06-16T10:02:54Z","image-d7a52218c5c94a2414878e7d4df2b89a826a3608-1000x668-jpg","d7a52218c5c94a2414878e7d4df2b89a826a3608",{"_type":68,"blurHash":4620,"dimensions":4621,"hasAlpha":4,"isOpaque":75,"lqip":4624,"palette":4625},"VYKUN8DhX7ITRQ?^NHofIUWB_3t7IoRjaeEM%MV?t7oL",{"_type":71,"aspectRatio":4622,"height":4623,"width":1112},1.4970059880239521,668,"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwAAAwEAAAAAAAAAAAAAAAAAAAUGB\u002F\u002FEACIQAAIBBAICAwEAAAAAAAAAAAECAwAEBQYREhMhFjJRQf\u002FEABUBAQEAAAAAAAAAAAAAAAAAAAQD\u002F8QAGREAAwEBAQAAAAAAAAAAAAAAAAECEQMS\u002F9oADAMBAAIRAxEAPwBvqW83OI1KFHt4EVE6oZF55NPYdykyWexcnjEWNdeszqfXP6fwVOYbW4sjZ+O6uHaL7BOo9GqODVrJI4rZmZoZOQyj1Rp6y1miK41LbxGh\u002FIMGQPBd23Tj+Gis6x+o4uGOSOONwiyEAFieKKv6sJh\u002F\u002F9k=",{"_type":78,"darkMuted":4626,"darkVibrant":4629,"dominant":4631,"lightMuted":4634,"lightVibrant":4636,"muted":4637,"vibrant":4640},{"_type":80,"background":4627,"foreground":82,"population":4628,"title":82},"#604537",2.96,{"_type":80,"background":4630,"foreground":82,"population":883,"title":82},"#081714",{"_type":80,"background":4632,"foreground":92,"population":4633,"title":82},"#dbbea8",6.59,{"_type":80,"background":4635,"foreground":92,"population":419,"title":82},"#acc9d4",{"_type":80,"background":4632,"foreground":92,"population":4633,"title":82},{"_type":80,"background":4638,"foreground":82,"population":4639,"title":82},"#8a6e5a",5.9,{"_type":80,"background":4641,"foreground":92,"population":2468,"title":82},"#d79774",{"media":4643},{"tags":4644},[4645],{"_key":4646,"_ref":108,"_type":109,"_weak":75},"Jd1w-TdVT2hBuIEuX87TS","shutterstock_1266166378.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002Fd7a52218c5c94a2414878e7d4df2b89a826a3608-1000x668.jpg",609018,"5IFpcfHgiVSzsvan6rwwsJe2qHkcmPSu","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002Fd7a52218c5c94a2414878e7d4df2b89a826a3608-1000x668.jpg","In the current environment, it has become difficult for a lot of people to save as much as they would like. In fact, a survey of working adults by WEALTH at work found that the biggest financial concerns for the year include not having enough savings for unexpected costs.","2025-04-01T10:02:00.000Z",{"_type":9,"current":4655},"tips-to-help-employees-build-their-financial-resilience-2","Tips to help employees build their financial resilience.",[4658,4666,4674,4682,4694,4706,4718,4726,4734,4742,4750,4762],{"_key":4659,"_type":123,"children":4660,"markDefs":4665,"style":190},"7c05665486e8",[4661],{"_key":4662,"_type":127,"marks":4663,"text":4664},"4dca5204d2c7",[],"In the current environment, it has become difficult for a lot of people to save as much as they would like. In fact, a survey of working adults by WEALTH at work found that the biggest financial concerns for the year include not having enough savings for unexpected costs (42%),not being able to save enough for the future (37%), not being able to pay basic living costs such as rent, mortgage payments, energy bills, food etc. (34%) and being in debt (29%).",[],{"_key":4667,"_type":123,"children":4668,"markDefs":4673,"style":190},"c3ebeafac68b",[4669],{"_key":4670,"_type":127,"marks":4671,"text":4672},"25776b2464c4",[],"This can have a serious impact on financial resilience, with the weight of this financial burden spilling into the workplace. Workers admit that money worries affect their performance at work by causing increased stress levels (40%) mental exhaustion (35%),decreased motivation (26%) and physical exhaustion (25%). More than a fifth (22%) admit that it led to reduced focus and concentration, and one in ten (10%) say it led them to increased sick days.",[],{"_key":4675,"_type":123,"children":4676,"markDefs":4681,"style":190},"5cc34132de03",[4677],{"_key":4678,"_type":127,"marks":4679,"text":4680},"aa370d91b9df",[],"With this in mind, WEALTH at work has prepared the following tips for employers to help employees build their financial resilience.",[],{"_key":4683,"_type":123,"children":4684,"markDefs":4693,"style":190},"7f48c314f323",[4685,4689],{"_key":4686,"_type":127,"marks":4687,"text":4688},"7fc1e00fb0e9",[197],"Understand the needs of employees",{"_key":4690,"_type":127,"marks":4691,"text":4692},"f7321cb0f689",[],"\nEmployees are likely to have different financial priorities depending on their life stage. For some the priority may be saving a deposit for a first home, whilst for others it might be saving for retirement, or for some it may be paying off debt. It’s important that employees put a plan in place on how to reach their goals and they may require support to do this. It therefore helps to design a programme which supports differing requirements.",[],{"_key":4695,"_type":123,"children":4696,"markDefs":4705,"style":190},"9962e41d755f",[4697,4701],{"_key":4698,"_type":127,"marks":4699,"text":4700},"6fd4f39cb8e3",[197],"Provide support on the basics",{"_key":4702,"_type":127,"marks":4703,"text":4704},"d4216e2da055",[],"\nMany people struggle to understand basic financial issues and helping employees become more familiar with them, is an important step. For example, employees could start by reviewing their outgoings, everything from bills and subscriptions to food shopping and going out. Really looking at what is spent can often highlight areas that could be cut back on. A great example of this is insurance as it is often the case that someone would get a better quote by shopping around and using tools like comparison sites, but many neglect to do this.",[],{"_key":4707,"_type":123,"children":4708,"markDefs":4717,"style":190},"f370d6de0b07",[4709,4713],{"_key":4710,"_type":127,"marks":4711,"text":4712},"aad5dfe63516",[197],"Promote the employee benefits package",{"_key":4714,"_type":127,"marks":4715,"text":4716},"59de44e9c3c5",[],"\nEmployees should be encouraged to investigate the range of workplace benefits that may be available and suitable for them. Our research with REBA of almost 200 employers found that support is growing for saving products, with many workplaces set to offer pay as you earn saving schemes such as help-to-save and opt-in payroll savings, employee share plans and tax-free saving wrappers such as ISAs. Some employers will also match any additional pensions contributions that employees may not be aware of. For example, someone in their 20s can increase their pension pot by 25% by saving just 1% more if their employers were to match this. Making sure benefits are relevant and well-explained can really help take up and improve money management.",[],{"_key":4719,"_type":123,"children":4720,"markDefs":4725,"style":190},"06f84a602c9c",[4721],{"_key":4722,"_type":127,"marks":4723,"text":4724},"d5b228481296",[197],"Help employees understand the difference between good & bad debt",[],{"_key":4727,"_type":123,"children":4728,"markDefs":4733,"style":190},"f27882ce9396",[4729],{"_key":4730,"_type":127,"marks":4731,"text":4732},"6cc5066fd9bd",[],"Another important principle for employees to understand is the difference between good debt and bad debt. For example, a mortgage is a form of good debt – it makes sense to have a loan in order to own your home as it is a stable, easy to manage approach to long-term borrowing. However, it should still be reviewed occasionally to ensure that it’s a good deal. At the opposite end of the spectrum, debt with high interest payments such as payday loans and credit cards can get out of control if they are not repaid quickly. Employees should realise that it should always be a priority to pay off bad debt. For example, a debt of £3,000 with a rate of 18% APR, could take 10 years and 10 months to pay off paying £52 a month, with total interest of £3,836 paid. If that monthly payment was increased to £100 a month, the debt would be paid off in 3 years and 4 months, and interest paid would be only £1,011. If this was increased to £325 a month, the debt would be paid in 10 months, with total interest of £253 paid.",[],{"_key":4735,"_type":123,"children":4736,"markDefs":4741,"style":190},"f5fc0951da24",[4737],{"_key":4738,"_type":127,"marks":4739,"text":4740},"447a91a8bce2",[197],"Stress the importance of an emergency fund",[],{"_key":4743,"_type":123,"children":4744,"markDefs":4749,"style":190},"274bb6bba415",[4745],{"_key":4746,"_type":127,"marks":4747,"text":4748},"d87db590e0e3",[],"A lack of savings can have a serious impact on financial resilience. Many people unfortunately realise too late the importance of having emergency savings. Ideally, employees should have 3-6 months of savings which can be accessed at short notice should they or another member of their household face a fall in income due to redundancy, illness, or any other expense e.g. replacing the boiler or expensive car repairs. Remember that workplace savings can help with this.",[],{"_key":4751,"_type":123,"children":4752,"markDefs":4761,"style":190},"a9ed92845d84",[4753,4757],{"_key":4754,"_type":127,"marks":4755,"text":4756},"93c96d88b8c7",[197],"Jonathan Watts-Lay, Director, WEALTH at work, comments;",{"_key":4758,"_type":127,"marks":4759,"text":4760},"4a674088d9f9",[]," “Many employees don’t recognise the importance of financial resilience until something happens which highlights how vulnerable their finances are. Building a good financial wellbeing programme is vitally important to help employees take control of their finances and put themselves in a more secure position in the future.”",[],{"_key":4763,"_type":123,"children":4764,"markDefs":4769,"style":190},"91d1a368a448",[4765],{"_key":4766,"_type":127,"marks":4767,"text":4768},"4a619d78550d",[],"He adds; “Many employers now offer their staff financial education and guidance through workshops, digital tools and helplines to help them understand the key issues relevant to them. Topics can cover a range of financial matters such as debt & money management, managing savings and retirement. In addition, many are also putting in place workplace ISAs to help employees to start saving from monthly payroll.”",[],[4771,4772],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":4773,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":4775,"title":381},{"base":4774},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":4777,"blogPostMeta":4778,"content":4800,"tag":4855,"title":4799},"68f3c180-569b-4957-8161-68ff4db490ea",{"_type":56,"featuredImage":4779,"featuredVideo":115,"preview":4795,"publishedAt":4796,"slug":4797,"title":4799},{"_type":58,"asset":4780},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":4781,"mimeType":102,"opt":4791,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":4782,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":4783},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":4784,"darkVibrant":4785,"dominant":4786,"lightMuted":4787,"lightVibrant":4788,"muted":4789,"vibrant":4790},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":4792},{"tags":4793},[4794],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"As shown in the accompanying table, it was a broadly negative week for global financial markets.","2025-03-28T16:16:00.000Z",{"_type":9,"current":4798},"week-ending-28th-march-2025","week ending 28th March 2025.",[4801,4804,4808,4815,4823,4831,4839,4847],{"_key":4802,"_type":2605,"height":2606,"url":4803,"width":2608},"9148d02e5c1d","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1070991252?h=197a83bf1d",{"_key":4805,"_type":58,"asset":4806},"990eadfe8cf9",{"_ref":4807,"_type":109},"image-1d02113d19079169f3105cc11350878968bb3878-440x349-png",{"_key":4809,"_type":123,"children":4810,"markDefs":4814,"style":190},"06915bd2d098",[4811],{"_key":4812,"_type":127,"marks":4813,"text":4795},"1e68da0d05c3",[],[],{"_key":4816,"_type":123,"children":4817,"markDefs":4822,"style":190},"700a53d4094c",[4818],{"_key":4819,"_type":127,"marks":4820,"text":4821},"9ca6bc76262f",[],"US markets struggled this week, with major indices closing lower as investors reacted to a combination of persistent inflation data and ongoing trade policy concerns.",[],{"_key":4824,"_type":123,"children":4825,"markDefs":4830,"style":190},"436090a1cc80",[4826],{"_key":4827,"_type":127,"marks":4828,"text":4829},"e4add5a9100f",[],"The week started on a cautiously optimistic note, with markets hoping for a more measured approach from the Trump administration on tariffs. However, sentiment shifted midweek after President Trump announced new import taxes of 25% on cars and car parts entering the US, set to take effect on 2 April. Charges on businesses importing vehicles are expected to begin on 3 April, with taxes on parts due to start in May or later. Following the announcement, automaker stocks worldwide took a hit. It’s important to remember, however, that these tariffs are still subject to negotiations. The tariffs are expected to increase car prices in the US and disrupt supply chains. As we’ve seen before, Trump often lets deadlines pass, providing additional time for further discussions.",[],{"_key":4832,"_type":123,"children":4833,"markDefs":4838,"style":190},"dc415bd16b64",[4834],{"_key":4835,"_type":127,"marks":4836,"text":4837},"f3d70bec8365",[],"In Europe, stocks ended the week lower, with the STOXX Europe 600 down 1.4% following Trump’s tariff announcement. While the threat of such tariffs had largely been priced into the market, the news particularly impacted German manufacturers due to their significant reliance on US exports. Despite the market dip, there were some bright spots. The eurozone private sector expanded for the third consecutive month, and Germany’s business sentiment reached its highest level since mid-2024. On the geopolitical front, hopes for a partial ceasefire between Russia and Ukraine also brought some stability to the region.",[],{"_key":4840,"_type":123,"children":4841,"markDefs":4846,"style":190},"1e5b36ff5109",[4842],{"_key":4843,"_type":127,"marks":4844,"text":4845},"a46236dc52b3",[],"In Japan, markets followed a similar pattern. The Nikkei 225 fell 1.48%, with Japanese automakers suffering from concerns over US tariffs. However, Japan’s government is actively pursuing an exemption, with Prime Minister Shigeru Ishiba emphasising that all options remain on the table to protect the country’s key auto sector.",[],{"_key":4848,"_type":123,"children":4849,"markDefs":4854,"style":190},"552827779d7b",[4850],{"_key":4851,"_type":127,"marks":4852,"text":4853},"67491e6b7c4a",[],"US inflation data also weighed on US markets towards the end of the week. The Fed’s preferred inflation gauge, the core Personal Consumption Expenditures (PCE) index, rose 0.4% in February, pushing the annual rate to 2.8%, well above the Fed’s 2% target. This release comes as investors have been closely monitoring data for signs of how President Trump’s tariff policies are affecting the economy. On a more positive note, business activity picked up in March. The Composite PMI rose to 53.5, indicating growth in the services sector, although the survey noted that many firms expressed concern about customer demand and the impact of policies.",[],[4856],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":4857,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":4859,"title":3039},{"base":4858},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":4861,"blogPostMeta":4862,"content":4885,"tag":4983,"title":4884},"5c91b61a-2d75-4670-8549-a5ae925777a3",{"_type":56,"featuredImage":4863,"featuredVideo":115,"preview":4880,"publishedAt":4881,"slug":4882,"title":4884},{"_type":58,"alt":4864,"asset":4865},"MARKET UPDATE",{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":4866,"mimeType":102,"opt":4876,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":4867,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":4868},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":4869,"darkVibrant":4870,"dominant":4871,"lightMuted":4872,"lightVibrant":4873,"muted":4874,"vibrant":4875},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":4877},{"tags":4878},[4879],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"This morning, UK headline CPI reading slowed from 3.0% in January to 2.8% in February, while core CPI inflation, which excludes volatile items such as food and energy, slowed to 3.5% from 3.7%. ","2025-03-26T15:14:00.000Z",{"_type":9,"current":4883},"market-update-26th-march-2025","Market Update – 26th March 2025.",[4886,4889,4897,4904,4912,4920,4928,4936,4944,4952,4960,4968,4976],{"_key":4887,"_type":2605,"height":2606,"url":4888,"width":2608},"2e35a2d1e9a0","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1069652273?h=fa98a659bd",{"_key":4890,"_type":123,"children":4891,"markDefs":4896,"style":190},"4450da6cca1b",[4892],{"_key":4893,"_type":127,"marks":4894,"text":4895},"f867245ce123",[],"This morning, UK headline CPI reading slowed from 3.0% in January to 2.8% in February, while core CPI inflation, which excludes volatile items such as food and energy, slowed to 3.5% from 3.7%. However, despite this cooling, we expect inflation to speed up again in the coming months due to rising energy prices and the soon-to-be increase to employer national insurance contributions and minimum wage as this is likely be passed on to consumers.",[],{"_key":4898,"_type":123,"children":4899,"markDefs":4903,"style":190},"91543b001510",[4900],{"_key":4901,"_type":127,"marks":4902,"text":606},"d857f50b6a62",[],[],{"_key":4905,"_type":123,"children":4906,"markDefs":4911,"style":190},"bb0b9e15ce97",[4907],{"_key":4908,"_type":127,"marks":4909,"text":4910},"2ebcdc6b5a96",[],"Unfortunately, these CPI figures were overshadowed by the Chancellor of the Exchequer, Rachel Reeves’ Spring Forecast just after midday.",[],{"_key":4913,"_type":123,"children":4914,"markDefs":4919,"style":190},"0fc3a9db7a45",[4915],{"_key":4916,"_type":127,"marks":4917,"text":4918},"cf7d8932e041",[],"Although Rachel Reeves kept her statement short, it wasn’t so sweet. As we weren’t expecting any increases in taxes, our focus was on her statement around economic growth estimates and increased government borrowing, as she attempts to restore her fiscal headroom.",[],{"_key":4921,"_type":123,"children":4922,"markDefs":4927,"style":190},"fe8d06376673",[4923],{"_key":4924,"_type":127,"marks":4925,"text":4926},"bda5ce0271ee",[],"As expected (and as we alluded to in our Autumn Statement commentary) there was a gloomy picture for the UK economy in the near-term as the Office for Budget Responsibility (OBR) had to make a hefty downgrade to our country’s growth for this year from 2% to just 1%.",[],{"_key":4929,"_type":123,"children":4930,"markDefs":4935,"style":190},"7c3e55857102",[4931],{"_key":4932,"_type":127,"marks":4933,"text":4934},"e930acee8df2",[],"Although some of this downgrade can be attributed to the current global uncertainty caused by Donald Trump’s tariffs talk, the OBR’s previous forecast was far too optimistic given the tax increases that were announced and come into effect from 5 April 2025. Surprisingly, the OBR upgraded their GDP growth forecasts for the years 2026 to 2029, to 1.9% in 2026; 1.8% in 2027; 1.7% in 2028; and 1.8% in 2029.",[],{"_key":4937,"_type":123,"children":4938,"markDefs":4943,"style":190},"9d5a0ca3e3de",[4939],{"_key":4940,"_type":127,"marks":4941,"text":4942},"1c45f5958f90",[],"Reeves reaffirmed a commitment to increase defence spending to 2.5% of GDP, funded through cuts to international aid and restructuring within NHS England—potentially boosting the profitability of defence contractors and related industries. She also suggested that we could see higher disposable income by the end of the decade, which might help revive consumer spending and improve sentiment amid the UK’s prolonged high-interest-rate environment.Gilt markets took the statement positively, helped by the announcement that the Debt Management Office plans £299 billion of gilt sales in 2025\u002F26, which is below the £302 billion estimated by the economists. As such, the cost of government borrowing (gilt yields – which also impacts the cost of mortgages), eased 0.03% to 4.72%.",[],{"_key":4945,"_type":123,"children":4946,"markDefs":4951,"style":190},"3cf617c58461",[4947],{"_key":4948,"_type":127,"marks":4949,"text":4950},"cafbc8be43ff",[],"March’s eurozone PMI data was characterised by modest growth, with the composite reading edging up to 50.4 from February’s 50.2 (in relation to PMI, anything above 50 indicates an expansion and anything below a contraction). However, the underlying data painted a mixed picture of the region’s economic health. In a surprising turn, manufacturing—driven largely by Germany—expanded for the first time in two years, posting its strongest growth since May 2022. A surge in pre-tariff shipments to the U.S. played a role, but there were also promising signs of rising domestic demand, albeit limited to the goods sector. On the other hand, the services industry remained under pressure, struggling to gain traction and slipping from 50.6 in February to 50.4 in March.",[],{"_key":4953,"_type":123,"children":4954,"markDefs":4959,"style":190},"4c6e61af22f9",[4955],{"_key":4956,"_type":127,"marks":4957,"text":4958},"0aad37aa31c8",[],"Economists suggest that the business climate could improve in the coming months, fuelled by renewed optimism over major spending plans in infrastructure and defence, particularly in Germany. These investments are raising cautious hopes for a broader economic rebound across Europe.",[],{"_key":4961,"_type":123,"children":4962,"markDefs":4967,"style":190},"272274bccd40",[4963],{"_key":4964,"_type":127,"marks":4965,"text":4966},"97434b1b0907",[],"Over in the U.S., business activity picked up in March, with the latest S&P Global survey revealed that input costs for businesses surged to their highest level in nearly two years, driven by rising expenses in both manufacturing and services. The same pick up could not be said for consumer sentiment, however. On Tuesday, The Conference Board reported that its consumer confidence index fell 7.2 points in March to 92.9 as concerns over import tariffs and government spending cuts somewhat subdued investor morale.",[],{"_key":4969,"_type":123,"children":4970,"markDefs":4975,"style":190},"4f05cd335aad",[4971],{"_key":4972,"_type":127,"marks":4973,"text":4974},"9e86815b80cf",[],"Still to come this week we have Tokyo inflation, UK retail sales, Eurozone consumer confidence and U.S. PCE data. Additionally, for more information on the Spring Forecast, please read commentary from our Investment Planning Director, Paul Morton.",[],{"_key":4977,"_type":123,"children":4978,"markDefs":4982,"style":190},"12794969591e",[4979],{"_key":4980,"_type":127,"marks":4981,"text":2546},"eb80bc9183a4",[197],[],[4984],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":4986,"blogPostMeta":4987,"content":5033,"tag":5132,"title":5134},"f64261bb-b029-469a-bcb8-c118af7971b6",{"_type":56,"featuredImage":4988,"featuredVideo":115,"preview":5028,"publishedAt":5029,"slug":5030,"title":5032},{"_type":58,"alt":513,"asset":4989},{"_createdAt":4990,"_id":4991,"_rev":62,"_type":63,"_updatedAt":64,"assetId":4992,"extension":66,"metadata":4993,"mimeType":102,"opt":5018,"originalFilename":5023,"path":5024,"sha1hash":4992,"size":5025,"uploadId":5026,"url":5027},"2025-03-25T16:27:33Z","image-57930808adbfcbffcb0738d0d272271167e2aa82-1024x683-png","57930808adbfcbffcb0738d0d272271167e2aa82",{"_type":68,"blurHash":4994,"dimensions":4995,"hasAlpha":4,"isOpaque":75,"lqip":4998,"palette":4999},"VBIrHPtRE5?baJ#59G_3e-R5-@0JRNRQtmD~xvDkx]bu",{"_type":71,"aspectRatio":4996,"height":4997,"width":2889},1.499267935578331,683,"data:image\u002Fpng;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAANCAIAAAAmMtkJAAAACXBIWXMAAAsTAAALEwEAmpwYAAADAUlEQVR4nCXLWU\u002FbBgAAYP+NiY2nquLYWvXYy6SWSgNW6LlNk6oxUKlWNKGOcrVlWQI5HNs5HBI7TozjuI6N7fqIjzh2nBQnkATSUjT1ZYdU7b9M26Tv9QOwLJxAwlB8O50CcSxVIFACS2ZREMtAFTpvanzTqfqt2lHbPT5qnfQOBj3\u002F5F\u002Ftk34HYEp4Bo3HogEQDCWQCIpCOJbMY8kUEoYiATwDCyxpVYWmq7dbdufAOfTdQ7\u002FxP0CRGLKYQZAwCIZiYBAEgxC0HQlvLS3OzX1zZ3XpYTiwkYR3SmROkVjLkGxLcWyt4egN1wBsQ2KZQuK\u002FDCORRCIaj4dWV5buT03Mz9z4dWn+l5XHz9eXwztbZHFXlpiqxpuGZFmyacpA99Bz6lqZJqhSntsv8\u002FtlisKg0Ob69\u002FeQxw\u002F4yHohspmGg8lklC5hpiE4turUVbum6roEnBz7vW7L86xmy+32Ot2eX7eUCgZl1h7lnsyLOys8GhA4nBcoTePrtiKKTJkukCSG51HAbVieZ7ue7b1uHvW7\u002FUG34Wh8IY5uLyPrC9jzxWL2mVArKnWOE0pQPDz3w4PZ2ZvT05NT05NARRT2ZVnUNNm0DMeVdbVEZyk8SJJBHHuGp1YINsQ0cnydjCVCt2\u002FPjoyOfjI8\u002FNHQ0NDHwwDFCWXxFatURaO2rxoxBH66vJgDn4pKilJhUozSVqrsZsu1\u002FFZ04\u002FrEtdGxT0fGPxu7cHn84lWArAi0ILOKLpp1XjVfBLcXvru7u\u002FNEM4mKV6x4e0pH1I903a+mMfirmalz50fHL16ZmLw1fetrIEcxBMPt8RKrGLxWQ3ax1bWf8FzYalbrfb8x6B+c\u002FuYP3rdah3yJ\u002FPHRw0tXv7j0+bUvb96fufMtAO\u002FiCayQKZTyDEcLGsVJOZJgZcHpDNpv\u002F+ycfmj1\u002F9LddwJncXsvURRfexH7eTOyEYA2AnEATGdBFIOzRJqgcJp\u002F+cpQa023PegMfu+dfeid\u002Ff26\u002F4dqH9OsTjEKpzREo6PYPb35xmie\u002FgNwj8E69o3chQAAAABJRU5ErkJggg==",{"_type":78,"darkMuted":5000,"darkVibrant":5003,"dominant":5006,"lightMuted":5009,"lightVibrant":5010,"muted":5012,"vibrant":5015},{"_type":80,"background":5001,"foreground":82,"population":5002,"title":82},"#624537",1.21,{"_type":80,"background":5004,"foreground":82,"population":5005,"title":82},"#0e0404",0.31,{"_type":80,"background":5007,"foreground":92,"population":5008,"title":82},"#bccfb4",2.64,{"_type":80,"background":5007,"foreground":92,"population":5008,"title":82},{"_type":80,"background":5011,"foreground":92,"population":482,"title":82},"#d4b2a5",{"_type":80,"background":5013,"foreground":82,"population":5014,"title":82},"#8f976f",1.34,{"_type":80,"background":5016,"foreground":92,"population":5017,"title":82},"#c59785",0.47,{"media":5019},{"tags":5020},[5021],{"_key":5022,"_ref":108,"_type":109,"_weak":75},"-Q0B7NBCo10OIB5-AWZHE","shutterstock_2454482127-green-min-1024x683.png","images\u002Fsoc6bg8y\u002Fdevelopment\u002F57930808adbfcbffcb0738d0d272271167e2aa82-1024x683.png",631665,"4Ue8Yx2mlM60FeEUkEb5gvQgypR7sq5Y","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F57930808adbfcbffcb0738d0d272271167e2aa82-1024x683.png","This Debt Awareness Week (24th – 30th March), WEALTH at work – a leading financial wellbeing, retirement and workplace savings specialist, are encouraging employers to support employees to tackle money issues and build a saving safety net.","2025-03-24T16:07:00.000Z",{"_type":9,"current":5031},"this-debt-awareness-week-new-research-reveals-top-money-worries","This Debt Awareness Week new research reveals top money worries.",[5034,5041,5048,5056,5064,5072,5080,5088,5100,5108,5116,5124],{"_key":5035,"_type":123,"children":5036,"markDefs":5040,"style":190},"3af63d1025ae",[5037],{"_key":5038,"_type":127,"marks":5039,"text":5028},"d8318182b2ea",[],[],{"_key":5042,"_type":123,"children":5043,"markDefs":5047,"style":190},"3ad5d1eb45a5",[5044],{"_key":5045,"_type":127,"marks":5046,"text":606},"aceb38daed57",[],[],{"_key":5049,"_type":123,"children":5050,"markDefs":5055,"style":190},"0490ea16ad27",[5051],{"_key":5052,"_type":127,"marks":5053,"text":5054},"c4da1029b22b",[],"Almost a quarter of UK workers (23%) have had to borrow money from family and friends in the last year because of money worries, and almost a fifth have taken on debt (18%) – according to new research of over 2,000 workers by WEALTH at work. Over a quarter (28%) have worked more overtime, and more than one in ten workers (13%) have taken on an additional job.",[],{"_key":5057,"_type":123,"children":5058,"markDefs":5063,"style":190},"9040e44deb9f",[5059],{"_key":5060,"_type":127,"marks":5061,"text":5062},"3daaa55ac5b9",[],"Workers thought that their biggest financial concerns for the year included not having enough savings for unexpected costs (42%), not being able to save enough for the future (37%), not being able to pay basic living costs such as rent, mortgage payments, energy bills, food etc. (34%) and being in debt (29%).",[],{"_key":5065,"_type":123,"children":5066,"markDefs":5071,"style":190},"4319c8756546",[5067],{"_key":5068,"_type":127,"marks":5069,"text":5070},"afc4efa75835",[],"The weight of this financial burden and debt anxiety has spilt into the workplace. Workers admit that money worries affect their performance at work by causing increased stress levels (40%), mental exhaustion (35%), decreased motivation (26%) and physical exhaustion (25%). More than a fifth (22%) admitted that it led to reduced focus and concentration, and one in ten (10%) say it has led to increased sick days.",[],{"_key":5073,"_type":123,"children":5074,"markDefs":5079,"style":190},"eebe8aa64151",[5075],{"_key":5076,"_type":127,"marks":5077,"text":5078},"3a56649d2df9",[],"Whilst 61% of workers say they feel supported and 40% say they are comfortable discussing money worries or debt-related issues with their employer, only 13% would actually do so. Those age 55+ are the age group least likely to seek help from their employer, with only 5% saying they would.",[],{"_key":5081,"_type":123,"children":5082,"markDefs":5087,"style":190},"bbdcb6d95180",[5083],{"_key":5084,"_type":127,"marks":5085,"text":5086},"658fada41777",[],"Despite these findings, there is a positive future outlook with 43% of workers believing their financial situation will improve. Also encouragingly, the research found that if they had spare cash, more workers would save it for a rainy day i.e. such as in an ISA (42%), pay off debt (35%), spend on essential bills (34%) or save it for retirement (26%), rather than spending it on something they want (25%).",[],{"_key":5089,"_type":123,"children":5090,"markDefs":5099,"style":190},"262f5c1911c4",[5091,5095],{"_key":5092,"_type":127,"marks":5093,"text":5094},"ddc0d06d1e7f",[197],"Jonathan Watts-Lay, WEALTH at work, comments,",{"_key":5096,"_type":127,"marks":5097,"text":5098},"5e5d99f60b51",[]," “It seems financial worries have become the new normal. With almost 14.6 million UK adults not coping financially or finding it difficult to cope, many are looking for ways to help ease the strain on their finances.”",[],{"_key":5101,"_type":123,"children":5102,"markDefs":5107,"style":190},"4a74e6d9d505",[5103],{"_key":5104,"_type":127,"marks":5105,"text":5106},"ceac43120614",[],"He explains; “Whilst being employed has traditionally been associated with financial stability, research from StepChange showed that 44% of those seeking debt advice were full-time employed, cementing that money worries are firmly also a workplace problem. Afterall, when struggling with money, people are less productive when they are in work, can be tipped into financial vulnerability and at a greater risk of predatory behaviour from scammers.”",[],{"_key":5109,"_type":123,"children":5110,"markDefs":5115,"style":190},"b199040fd3e4",[5111],{"_key":5112,"_type":127,"marks":5113,"text":5114},"f5f211a158ed",[],"Watts-Lay adds; “It’s interesting that the research found workers would rather save spare cash for a rainy day than spend it on something they want. After all, having a savings safety net to fall back on is a crucial part to overcome money worries. In fact, research finds that overall those with savings are generally less anxious about money and have greater life satisfaction. This is because savings can help improve financial resilience by removing the need to borrow, as well as preventing hardship by having access to funds to draw on when needed.”",[],{"_key":5117,"_type":123,"children":5118,"markDefs":5123,"style":190},"04ffc7f95cba",[5119],{"_key":5120,"_type":127,"marks":5121,"text":5122},"ced4931a09a7",[],"He continues; “These findings should prompt employers to consider how employees are being supported to tackle money issues head on and build financial resilience. Many employers overcome this financial wellbeing risk by providing financial education and guidance, as well as providing access to workplace savings such as ISAs. This support can make a huge difference by giving workers the opportunity to understand their finances, including ways to save money, learn about budgeting, manage debt, and how to boost savings and prepare for retirement.”",[],{"_key":5125,"_type":123,"children":5126,"markDefs":5131,"style":190},"4ae8359b673f",[5127],{"_key":5128,"_type":127,"marks":5129,"text":5130},"f877753eed68",[],"He continues, “So don’t bury your head in the sand, there is support available and it’s always worth speaking to your employer to see how they can help. This all makes for a brighter future for all.”",[],[5133],{"_createdAt":980,"_id":981,"_rev":982,"_type":377,"_updatedAt":983,"brandSpecific":75,"slug":984,"title":985},"This Debt Awareness Week new research reveals top money worries. 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research highlights the workplace impact of money worries on employees;\n\n","2025-03-24T13:56:00.000Z",{"_type":9,"current":5182},"the-impact-of-money-worries-survey-results-2025","The impact of money worries - Survey results 2025.",[5185,5188,5196,5204,5212,5220,5228,5236,5244,5255],{"_key":5186,"_type":2605,"height":2606,"url":5187,"width":2608},"7b2d3d1e5950","https:\u002F\u002Fwealthatwork.turtl.co\u002Fstory\u002F67d2f5748c6534b8760e8409\u002Fpage\u002F1?draft=c5d14117-b38f-4d0d-a1b7-add3028a2631&teaser=yes",{"_key":5189,"_type":123,"children":5190,"markDefs":5195,"style":190},"dd2425d65116",[5191],{"_key":5192,"_type":127,"marks":5193,"text":5194},"eb138a83f047",[],"Our research highlights the workplace impact of money worries on employees;",[],{"_key":5197,"_type":123,"children":5198,"level":203,"listItem":759,"markDefs":5203,"style":190},"9864ceba9473",[5199],{"_key":5200,"_type":127,"marks":5201,"text":5202},"3e8b675e8435",[],"40% said it increased stress levels",[],{"_key":5205,"_type":123,"children":5206,"level":203,"listItem":759,"markDefs":5211,"style":190},"0c6802cf5de9",[5207],{"_key":5208,"_type":127,"marks":5209,"text":5210},"45c13228ae64",[],"35% said it led to mental exhaustion",[],{"_key":5213,"_type":123,"children":5214,"level":203,"listItem":759,"markDefs":5219,"style":190},"b12a921dafca",[5215],{"_key":5216,"_type":127,"marks":5217,"text":5218},"9696d95fd90d",[],"26% said it led to decreased motivation",[],{"_key":5221,"_type":123,"children":5222,"level":203,"listItem":759,"markDefs":5227,"style":190},"59c4d8646be4",[5223],{"_key":5224,"_type":127,"marks":5225,"text":5226},"968c778c5c35",[],"10% said it has led to increased sick days",[],{"_key":5229,"_type":123,"children":5230,"markDefs":5235,"style":190},"bbf5b8cba8c3",[5231],{"_key":5232,"_type":127,"marks":5233,"text":5234},"29e147fd0dcc",[],"Encouragingly, the research also found that if they had spare cash, more would save it for a rainy day i.e. such as in an ISA (42%), pay off debt (35%), save it for retirement (26%), or spend on essential bills (34%) rather than spending it on something they want (25%).",[],{"_key":5237,"_type":123,"children":5238,"markDefs":5243,"style":190},"9ebc9eee41e2",[5239],{"_key":5240,"_type":127,"marks":5241,"text":5242},"ad36e8b2e64f",[],"With only 13% saying that they would seek help from their employer, the onus is on workplaces to remove the stigma around money worries and offer employees easily accessible support.",[],{"_key":5245,"_type":123,"children":5246,"markDefs":5252,"style":190},"4c42f825b014",[5247],{"_key":5248,"_type":127,"marks":5249,"text":5251},"dea46c5e9f42",[5250],"3bb9a9116095","Click here to download",[5253],{"_key":5250,"_type":228,"href":5254},"https:\u002F\u002Fcdn.sanity.io\u002Ffiles\u002Fsoc6bg8y\u002Fproduction\u002Fa554458be65adf14a650983562b2f8647bc904b3.pdf",{"_key":5256,"_type":123,"children":5257,"markDefs":5267,"style":190},"9802669acfe0",[5258,5262],{"_key":5259,"_type":127,"marks":5260,"text":5261},"af2a6022201f",[],"If you would like to discuss how we can help you to support your employees to improve their financial future, please ",{"_key":5263,"_type":127,"marks":5264,"text":5266},"5a790138d7fe",[5265],"0d9193674062","contact 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explains; “Whilst being employed has traditionally been associated with financial stability, research from StepChange",{"_key":5380,"_type":127,"marks":5381,"text":1166},"c6a5d8c32e3f",[5382],"1c383ace787d",{"_key":5384,"_type":127,"marks":5385,"text":5386},"58d2ee1f6b54",[]," showed that 44% of those seeking debt advice were full-time employed, cementing that money worries are firmly also a workplace problem. Afterall, when struggling with money, people are less productive when they are in work, can be tipped into financial vulnerability and at a greater risk of predatory behaviour from scammers.”",[5388],{"_key":5382,"_type":228,"href":5389},"https:\u002F\u002Fwww.wealthatwork.co.uk\u002Fcorporate\u002F2025\u002F03\u002F24\u002Fthis-debt-awareness-week-new-research-reveals-the-workplace-impact-of-money-worries\u002F#_ftn1",{"_key":5391,"_type":123,"children":5392,"markDefs":5396,"style":190},"b7b1a34b9998",[5393],{"_key":5394,"_type":127,"marks":5395,"text":5114},"4e21ed673046",[],[],{"_key":5398,"_type":123,"children":5399,"markDefs":5403,"style":190},"2f5f79f6444c",[5400],{"_key":5401,"_type":127,"marks":5402,"text":5122},"75bda8992e62",[],[],{"_key":5405,"_type":123,"children":5406,"markDefs":5411,"style":190},"d0b5a5b58de7",[5407],{"_key":5408,"_type":127,"marks":5409,"text":5410},"3a299dc066d6",[],"“He continues; “With so few people saying that they would actually seek help from their employer, the onus is on employers to remove the stigma around money worries and offer easily accessible support to all staff. Through financial coaching many people discover important financial lessons that make a considerable difference to their finances and overall wellbeing which in turn can lead to increased productivity and less absenteeism in the workplace. This all makes for a brighter future for all.”",[],{"_key":5413,"_type":123,"children":5414,"markDefs":5419,"style":190},"1ec3525ea98e",[5415],{"_key":5416,"_type":127,"marks":5417,"text":5418},"5a465f3c47c1",[],"Research for WEALTH at work was carried out online by Opinion Matters throughout 25\u002F02\u002F2025 – 04\u002F03\u002F2025 amongst a panel resulting in 2,001 UK workers. ",[],{"_key":5421,"_type":123,"children":5422,"markDefs":5428,"style":190},"a16e266af354",[5423],{"_key":5424,"_type":127,"marks":5425,"text":5427},"6daf9d30d1cb",[5426],"5f4213af8aba","Click here to see the report.",[5429],{"_key":5426,"_type":228,"href":5430},"https:\u002F\u002Fwww.wealthatwork.co.uk\u002Fcorporate\u002F2025\u002F03\u002F24\u002Fthe-impact-of-money-worries-survey-results-2025\u002F",[5432,5433],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":5434,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":5436,"title":381},{"base":5435},{"id":372,"rev":376},{"_type":9,"current":380},"This Debt Awareness Week new research reveals the workplace impact of money worries. 1",{"_id":5439,"blogPostMeta":5440,"content":5462,"tag":5511,"title":5461},"ae1de48d-78b8-499e-a6bc-9d8c72264534",{"_type":56,"featuredImage":5441,"featuredVideo":115,"preview":5457,"publishedAt":5458,"slug":5459,"title":5461},{"_type":58,"alt":513,"asset":5442},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":5443,"mimeType":102,"opt":5453,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":5444,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":5445},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":5446,"darkVibrant":5447,"dominant":5448,"lightMuted":5449,"lightVibrant":5450,"muted":5451,"vibrant":5452},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":5454},{"tags":5455},[5456],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"As you can see, markets broadly closed the week higher, with interest rate decisions taking centre stage. Investors got a boost Wednesday as the Federal Reserve held interest rates steady at 4.25%-4.5% and signalled confidence in short-term stability. In response, US stocks rallied, closing higher as the Fed met expectations.","2025-03-21T16:07:00.000Z",{"_type":9,"current":5460},"week-ending-21st-march-2025","Week ending 21st March 2025.",[5463,5466,5473,5480,5488,5496,5504],{"_key":5464,"_type":2605,"height":2606,"url":5465,"width":2608},"d1dc3ae4f301","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1065048972?h=f0247580d7",{"_key":5467,"_type":123,"children":5468,"markDefs":5472,"style":190},"13fa4782c218",[5469],{"_key":5470,"_type":127,"marks":5471,"text":5457},"c1990c1e5f44",[],[],{"_key":5474,"_type":123,"children":5475,"markDefs":5479,"style":190},"df164e49c148",[5476],{"_key":5477,"_type":127,"marks":5478,"text":606},"02c132218dbb",[],[],{"_key":5481,"_type":123,"children":5482,"markDefs":5487,"style":190},"21b7d7f267fa",[5483],{"_key":5484,"_type":127,"marks":5485,"text":5486},"ddd3e5a4f1d6",[],"In a statement after the decision, Fed Chair Jerome Powell acknowledged slowing consumer spending and cautioned that tariffs could drive prices higher. The Fed downgraded its growth forecast to 1.7% for this year, down from 2.1%, while raising its core inflation estimate to 2.8%. Emphasising policymakers’ commitment to a data dependent approach, Powell also said the Fed would be ready to keep rates high if inflation persists but signalled flexibility if the labour market weakens or inflation cools faster than expected.",[],{"_key":5489,"_type":123,"children":5490,"markDefs":5495,"style":190},"fbfcad1f6469",[5491],{"_key":5492,"_type":127,"marks":5493,"text":5494},"0a5d76fd7154",[],"In the UK, the unemployment rate remained steady at 4.4% in January, while wage growth showed signs of easing but remained relatively strong (outpacing inflation), according to data from the Office for National Statistics (ONS). Regular pay, excluding bonuses, rose by 5.9% in the three months to January, while total pay, which includes bonuses, increased by 5.8%, slightly down from 6.1% in the previous period.Following this, and despite the UK economy showing signs of weakness when it contracted by 0.1% in January, the Bank of England held interest rates at 4.5% during its policy meeting on Thursday, citing ongoing global uncertainties, including risks posed by US trade tariffs and geopolitical tensions. Governor Andrew Bailey reaffirmed that rates remain on a “gradually declining path,” though policymakers caution that inflation is expected to temporarily rise to 3.7% this year, driven primarily by higher energy costs and supply-side constraints.The Japanese yen lost ground against major currencies in Friday’s European session after fresh inflation data painted a mixed picture of the country’s economic landscape. Headline inflation in Japan eased to 3.7% in February from 4.0% the previous month, largely due to government energy subsidies. Similarly, core inflation, which excludes fresh food, slipped to 3.0% from 3.2%. However, stripping out both fresh food and energy, inflation inched up to 2.6% from 2.5%, reflecting persistent price pressures in services and wages. Despite signs of cooling inflation, mounting wage growth and steady services inflation are keeping the Bank of Japan under pressure to consider further rate hikes.",[],{"_key":5497,"_type":123,"children":5498,"markDefs":5503,"style":190},"a7de3de1706d",[5499],{"_key":5500,"_type":127,"marks":5501,"text":5502},"6f2f2d76a6fc",[],"Still to come this week we have Eurozone manufacturing and services PMI, UK retail prices, UK CPI and US PCE data.",[],{"_key":5505,"_type":123,"children":5506,"markDefs":5510,"style":190},"3328f157d0a6",[5507],{"_key":5508,"_type":127,"marks":5509,"text":2546},"dbce21081bcd",[197],[],[5512],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":5513,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":5515,"title":3039},{"base":5514},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":5517,"blogPostMeta":5518,"content":5540,"tag":5605,"title":5539},"c242f007-fb3f-45fa-a16f-ff0e94708960",{"_type":56,"featuredImage":5519,"featuredVideo":115,"preview":5535,"publishedAt":5536,"slug":5537,"title":5539},{"_type":58,"alt":513,"asset":5520},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":5521,"mimeType":102,"opt":5531,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":5522,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":5523},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":5524,"darkVibrant":5525,"dominant":5526,"lightMuted":5527,"lightVibrant":5528,"muted":5529,"vibrant":5530},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":5532},{"tags":5533},[5534],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"China’s economy showed promising signs in early 2025, with retail sales rising 4%, driven by the government’s strong efforts to boost domestic consumption and mitigate trade tensions with the US. Industrial production also grew by 5.9%, and fixed asset investment exceeded expectations with a 4.1% increase, adding a positive momentum to the outlook. ","2025-03-19T16:07:00.000Z",{"_type":9,"current":5538},"market-update-19th-march-2025","Market Update – 19th March 2025.",[5541,5548,5551,5559,5566,5574,5582,5590,5598],{"_key":5542,"_type":123,"children":5543,"markDefs":5547,"style":190},"5cd523b52185",[5544],{"_key":5545,"_type":127,"marks":5546,"text":606},"662531527b6f",[],[],{"_key":5549,"_type":2605,"height":2606,"url":5550,"width":2608},"6449c4ad68bb","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1067301933?h=235b96f564",{"_key":5552,"_type":123,"children":5553,"markDefs":5558,"style":190},"500adf03c029",[5554],{"_key":5555,"_type":127,"marks":5556,"text":5557},"794dd67fd4b1",[],"China’s economy showed promising signs in early 2025, with retail sales rising 4%, driven by the government’s strong efforts to boost domestic consumption and mitigate trade tensions with the US. Industrial production also grew by 5.9%, and fixed asset investment exceeded expectations with a 4.1% increase, adding a positive momentum to the outlook. While challenges like rising unemployment (5.4%) and a slowing property sector remain, it appears that Beijing’s focus on stimulating demand and pushing for a 5% growth target remains steadfast. The news comes ahead of the dozens of foreign CEOs attending the China Development Forum in Beijing this month, signalling China’s push to attract foreign investment amid trade tensions and highlighting further efforts to stimulate domestic consumption.",[],{"_key":5560,"_type":123,"children":5561,"markDefs":5565,"style":190},"c53236c662e0",[5562],{"_key":5563,"_type":127,"marks":5564,"text":606},"30445694d8a2",[],[],{"_key":5567,"_type":123,"children":5568,"markDefs":5573,"style":190},"8d8299967a5f",[5569],{"_key":5570,"_type":127,"marks":5571,"text":5572},"f4fb773da47b",[],"Over in the US, retail sales rose by 0.2% in February, signalling modest resilience in consumer spending. Online shopping and health goods boosted the numbers, while restaurants and petrol stations experienced declines. The modest uptick is positive for the economy although it reflects consumers taking caution amid inflation and trade uncertainties (including tariffs and federal workforce reductions). The key question now is whether this data adds to a picture of the economy that pushes the Federal Reserve to execute another interest rate cut when they meet on Wednesday. The market is currently pricing in no change in rates following recent comments from Fed chair Powell that the economy is holding up well.",[],{"_key":5575,"_type":123,"children":5576,"markDefs":5581,"style":190},"60f2a75c0509",[5577],{"_key":5578,"_type":127,"marks":5579,"text":5580},"40920e2053bd",[],"Yesterday, European stocks climbed after German legislators approved a significant increase in funding for defence and infrastructure. On Tuesday, Germany’s government amended its constitution, easing strict borrowing restrictions to enable a substantial rise in military expenditures. In response to the decision, Chancellor Scholz stated that enhancing Europe’s role within NATO would, in turn, reinforce a broader trans-Atlantic alliance.On Tuesday, Russia agreed to a limited ceasefire on energy and infrastructure as part of a US-led initiative to end its invasion of Ukraine. Moscow and Kyiv would stop targeting each other’s power plants and electrical grids, paving the way for negotiations on a potential halt to fighting in the Black Sea—followed by discussions on a full ceasefire and a peace agreement in the three-year-old war. In response, oil futures fell as the possibility that the US will ease sanctions on the flow of crude from Moscow was lifted. However, both countries soon launched airstrikes on each other’s infrastructure, with Zelensky reporting that some Ukrainian hospitals were hit.",[],{"_key":5583,"_type":123,"children":5584,"markDefs":5589,"style":190},"040f9ba53df6",[5585],{"_key":5586,"_type":127,"marks":5587,"text":5588},"6701bb0d9f7f",[],"Nvidia announced its new generation of artificial intelligence chips, designed to power future advancements in robotics and self-driving cars at their annual conference. Nvidia’s sales are up more than sixfold since its business was transformed by the release of OpenAI’s ChatGPT in late 2022. Interestingly, however, its shares fell more than 3% following the announcement. While modest, the fall highlights investor caution amid economic uncertainties of the likes linked to Trump’s tariffs.",[],{"_key":5591,"_type":123,"children":5592,"markDefs":5597,"style":190},"400ca8ea769e",[5593],{"_key":5594,"_type":127,"marks":5595,"text":5596},"83aec02e5678",[],"Still to come this week we have China’s prime loan rate decisions, UK unemployment data, the Bank of England’s interest rate decision and Japan’s inflation rate.",[],{"_key":5599,"_type":123,"children":5600,"markDefs":5604,"style":190},"156a4ea2460f",[5601],{"_key":5602,"_type":127,"marks":5603,"text":2546},"6a8b1a381963",[197],[],[5606,5607],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":5608,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":5610,"title":3039},{"base":5609},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":5612,"blogPostMeta":5613,"content":5635,"tag":5702,"title":5634},"e818f486-c16d-479d-baab-c917731dc290",{"_type":56,"featuredImage":5614,"featuredVideo":115,"preview":5630,"publishedAt":5631,"slug":5632,"title":5634},{"_type":58,"alt":513,"asset":5615},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":5616,"mimeType":102,"opt":5626,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":5617,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":5618},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":5619,"darkVibrant":5620,"dominant":5621,"lightMuted":5622,"lightVibrant":5623,"muted":5624,"vibrant":5625},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":5627},{"tags":5628},[5629],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"It’s been another week full of trade rhetoric. Mid-week, the US imposed 25% tariffs on steel and aluminium imports. The duties were announced in mid-February as stock market investors cheered President Trump’s ‘America first’ agenda which saw only Mexico, Canada, and China come under initial pressure.","2025-03-17T16:07:00.000Z",{"_type":9,"current":5633},"week-ending-14th-march-2025","Week ending 14th March 2025.",[5636,5639,5647,5655,5663,5671,5679,5687,5695],{"_key":5637,"_type":2605,"height":2606,"url":5638,"width":2608},"4f56cdd1afa0","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1066542611?h=919819c354",{"_key":5640,"_type":123,"children":5641,"markDefs":5646,"style":190},"2a8027fd5f70",[5642],{"_key":5643,"_type":127,"marks":5644,"text":5645},"1f0b9a35225a",[],"It’s been another week full of trade rhetoric. Mid-week, the US imposed 25% tariffs on steel and aluminium imports. The duties were announced in mid-February as stock market investors cheered President Trump’s ‘America first’ agenda which saw only Mexico, Canada, and China come under initial pressure. Canada is the biggest exporter of both steel and aluminium to America. However, the White House on Tuesday rowed back on a threat to double the country’s tariff to 50%. The EU took less than 10 minutes to respond with countermeasures, which will take effect on 1st April.",[],{"_key":5648,"_type":123,"children":5649,"markDefs":5654,"style":190},"dff9dd50394c",[5650],{"_key":5651,"_type":127,"marks":5652,"text":5653},"f731a0f9bb7d",[],"UK business secretary Jonathan Reynolds said on Wednesday morning that while he was disappointed, there would be no immediate retaliation by the UK government as negotiations continue over a wider trade deal with the US.",[],{"_key":5656,"_type":123,"children":5657,"markDefs":5662,"style":190},"f7c0e3a49784",[5658],{"_key":5659,"_type":127,"marks":5660,"text":5661},"b31a6996a75c",[],"US inflation data came as a welcome distraction for investors. Annual inflation eased to 2.8% in February, down from 3% in January, beating the forecast of 2.9%. The core rate, excluding goods and energy, rose 3.1%, down from 3.3%. Egg prices surged 10.4% due to the avian flu outbreak, while energy prices rose more modestly by 0.2%, compared to 1.1% in January.Though inflation remains persistent, this small dip suggests it may be resuming its downward trend, potentially giving the Federal Reserve room to consider easing rates. However, the Fed is expected to keep rates steady at its March 18-19 meeting. Chair Jerome Powell emphasized that the economy remains stable and the Fed can afford to wait before taking action.",[],{"_key":5664,"_type":123,"children":5665,"markDefs":5670,"style":190},"c9da40a7185a",[5666],{"_key":5667,"_type":127,"marks":5668,"text":5669},"93be73d7739a",[],"This stability should reassure investors that the Federal Reserve continues to prioritize a balanced approach to monetary policy, ensuring financial markets remain steady. Data later in the week also reinforced that inflation is steady and may be cooling further. US producer price inflation also slowed, with the Producer Price Index (PPI) for final demand in the US rising 3.2% year-over-year in February. This marked a slowdown from January’s 3.7% increase and fell just short of the anticipated 3.3%.",[],{"_key":5672,"_type":123,"children":5673,"markDefs":5678,"style":190},"b5ede69b4263",[5674],{"_key":5675,"_type":127,"marks":5676,"text":5677},"11a9c67123ca",[],"The UK economy unexpectedly contracted by 0.1% in January, falling short of expectations for 0.1% growth. This marks a setback for the government ahead of Chancellor Rachel Reeves’ “Spring Statement” on March 26, where she is set to outline economic plans and forecasts from the Office for Budget Responsibility. The decline was primarily driven by a sharp drop in industrial output compared to December. Despite this, Reeves has emphasized the need to act “further and faster” to stimulate the economy. With growth remaining a top priority, this data highlights the ongoing challenges in achieving that goal. However, investors should remain optimistic, as policymakers are actively implementing measures to support economic recovery, ensuring a resilient outlook for the UK market.On Thursday, Bank of Japan Governor Ueda struck an optimistic tone when discussing consumer spending. He reinforced the Bank’s commitment to scaling back its sizable balance sheet – a notable effort to further reduce monetary stimulus. Despite rising living costs weighing on domestic consumption for some time now, Ueda also suggested confidence that expanding wages—coupled with their prediction of easing inflation—will help drive economic momentum. The Bank is expected to meet next week, with market participants pricing in a pause in rate hikes but a potential increase in May, contingent upon inflation trends and uncertainty surrounding U.S. trade policies.",[],{"_key":5680,"_type":123,"children":5681,"markDefs":5686,"style":190},"ef0a56695349",[5682],{"_key":5683,"_type":127,"marks":5684,"text":5685},"4a33a379d531",[],"Mark Carney was sworn in as Canada’s prime minister on Friday, ending Justin Trudeau’s nine-year tenure. He takes office amid a trade war with the U.S. and is expected to adopt a firm stance against President Trump, as shown in his response to recent U.S. tariffs on Canadian steel and aluminium.",[],{"_key":5688,"_type":123,"children":5689,"markDefs":5694,"style":190},"2f24ad5be431",[5690],{"_key":5691,"_type":127,"marks":5692,"text":5693},"51b7278d7a50",[],"To come next week, we have Chinese retail sales and unemployment data, US retail sales, and the Bank of Japan’s interest rate decision.",[],{"_key":5696,"_type":123,"children":5697,"markDefs":5701,"style":190},"18e35ccadd2b",[5698],{"_key":5699,"_type":127,"marks":5700,"text":2546},"b0e8acedf91f",[197],[],[5703],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":5704,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":5706,"title":3039},{"base":5705},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":5708,"blogPostMeta":5709,"content":5731,"tag":5819,"title":5730},"ec7cc5c9-f2f2-4a08-872b-36a0ae0ecc8b",{"_type":56,"featuredImage":5710,"featuredVideo":115,"preview":5726,"publishedAt":5727,"slug":5728,"title":5730},{"_type":58,"alt":513,"asset":5711},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":5712,"mimeType":102,"opt":5722,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":5713,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":5714},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":5715,"darkVibrant":5716,"dominant":5717,"lightMuted":5718,"lightVibrant":5719,"muted":5720,"vibrant":5721},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":5723},{"tags":5724},[5725],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"On Friday, Chinese policymakers lowered their inflation target to around 2%. By Monday, the National Bureau of Statistics reported that February’s Consumer Price Index (CPI) had fallen 0.7% year over year, with core inflation—excluding food and energy—declining by 0.1% last month.","2025-03-12T16:07:00.000Z",{"_type":9,"current":5729},"market-update-12th-march-2025","Market Update – 12th March 2025.",[5732,5734,5741,5748,5756,5764,5772,5780,5788,5796,5804,5812],{"_key":5733,"_type":2605,"height":2606,"url":5465,"width":2608},"b20d9e1b5220",{"_key":5735,"_type":123,"children":5736,"markDefs":5740,"style":190},"aa5ab563cb7c",[5737],{"_key":5738,"_type":127,"marks":5739,"text":5726},"98d35dd6811c",[],[],{"_key":5742,"_type":123,"children":5743,"markDefs":5747,"style":190},"129f957aef16",[5744],{"_key":5745,"_type":127,"marks":5746,"text":606},"04c22dafc90f",[],[],{"_key":5749,"_type":123,"children":5750,"markDefs":5755,"style":190},"0da2a516c49b",[5751],{"_key":5752,"_type":127,"marks":5753,"text":5754},"c4931cdc74b4",[],"The data suggests lingering deflationary pressures and weak domestic demand, despite recent AI-driven investor optimism. Economists advocate further monetary easing, though comparisons to an early Lunar New Year may distort trends. Meanwhile, at last week’s National Commerce Work Conference, officials set a 5% consumption growth target for 2025, aiming to boost trade and stimulate demand.",[],{"_key":5757,"_type":123,"children":5758,"markDefs":5763,"style":190},"249bc094e01a",[5759],{"_key":5760,"_type":127,"marks":5761,"text":5762},"614019233a29",[],"The latest survey from the Recruitment and Employment Confederation, released Monday, indicated that the UK job market cooled in February, though at a slower pace than January. The softer decline suggests that expectations of future rate cuts and stronger-than-anticipated economic data may be easing pressures on businesses.",[],{"_key":5765,"_type":123,"children":5766,"markDefs":5771,"style":190},"1010f7d598a7",[5767],{"_key":5768,"_type":127,"marks":5769,"text":5770},"3c04afff2a88",[],"That said, the Bank of England is widely expected to hold interest rates steady at 4.5% in its meeting next week. Policymakers may weigh potential rate cuts against the possible impact of April’s increases in National Insurance contributions and the minimum wage. Compounding this, wage growth continues to trend lower, moving below the 6% seen in Q4 2024.On Monday, U.S. stocks sold off following remarks by President Trump in a Sunday interview. When asked whether he foresaw a recession this year, Trump gave an ambiguous response, stating that the country would go through a “transition” due to the scale of upcoming actions, which he described as “very big.”",[],{"_key":5773,"_type":123,"children":5774,"markDefs":5779,"style":190},"e56d3cd14048",[5775],{"_key":5776,"_type":127,"marks":5777,"text":5778},"df6a6fc62cf7",[],"Despite later clarifying on Tuesday that he did not anticipate a recession, market volatility persisted through the first half of the week. This is in part due to a repeatedly shifting stance on tariffs from the president, who at times has announced taxes only to enact last-minute pauses. One of the tariffs that has come to fruition today is one of 25% on Canadian steel.",[],{"_key":5781,"_type":123,"children":5782,"markDefs":5787,"style":190},"f2bad7c44896",[5783],{"_key":5784,"_type":127,"marks":5785,"text":5786},"a18a0a42d714",[],"Trump’s rhetoric has spooked investors and the past two weeks have certainly been rocky as investors have grappled with the uncertainties and extremities within his flippant remarks. Trump’s bark – forever worse than his bite – may cause some short-term noise in markets but if we look back to his previous term in office, we see similarities that eventually gave way to moderated trade deals and productive relationships with global partners.",[],{"_key":5789,"_type":123,"children":5790,"markDefs":5795,"style":190},"5e4a6f384524",[5791],{"_key":5792,"_type":127,"marks":5793,"text":5794},"61e862231f62",[],"Savvy investors should look beyond the headlines and focus on the data. Last Friday, Jerome Powell reaffirmed that the U.S. economy remains in a strong position. This is precisely why the Fed prioritises distinguishing meaningful trends from short-term noise—and why they chose to pause interest rate cuts at their last meeting.",[],{"_key":5797,"_type":123,"children":5798,"markDefs":5803,"style":190},"e462cc9882e0",[5799],{"_key":5800,"_type":127,"marks":5801,"text":5802},"94b3352edb98",[],"Our focus remains on a well-diversified strategy designed to weather market ups and downs. Not only do dips in market sentiment create attractive entry points for long-term investors, but we urge clients to remember that Trump’s hyperbole is fleeting, whereas your investment journey is built for the long run.",[],{"_key":5805,"_type":123,"children":5806,"markDefs":5811,"style":190},"f5ca825edca6",[5807],{"_key":5808,"_type":127,"marks":5809,"text":5810},"e271942de69a",[],"Still to come this week we have U.S. CPI and PPI, UK GDP, and Michigan Consumer Sentiment.",[],{"_key":5813,"_type":123,"children":5814,"markDefs":5818,"style":190},"0435a2253bcf",[5815],{"_key":5816,"_type":127,"marks":5817,"text":2546},"39a8dbc9ade7",[197],[],[5820],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":5822,"blogPostMeta":5823,"content":5844,"tag":5933,"title":5843},"f819a2b9-8cff-4df0-950e-84bbbed1f697",{"_type":56,"featuredImage":5824,"featuredVideo":115,"preview":5840,"publishedAt":5727,"slug":5841,"title":5843},{"_type":58,"alt":513,"asset":5825},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":5826,"mimeType":102,"opt":5836,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":5827,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":5828},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":5829,"darkVibrant":5830,"dominant":5831,"lightMuted":5832,"lightVibrant":5833,"muted":5834,"vibrant":5835},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":5837},{"tags":5838},[5839],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"China’s Caixin manufacturing PMI climbed to 50.8 on Monday, marking its strongest expansion in three months and exceeding expectations. Since last October, the private-sector PMI has consistently stayed above the 50-point threshold that distinguishes growth from contraction.",{"_type":9,"current":5842},"market-update-5th-march-2025","Market Update – 5th March 2025.",[5845,5848,5855,5862,5870,5878,5886,5894,5902,5910,5918,5926],{"_key":5846,"_type":2605,"height":2606,"url":5847,"width":2608},"5ebb515cc599","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1062747049?h=1696e6a682",{"_key":5849,"_type":123,"children":5850,"markDefs":5854,"style":190},"9f44ab70e0f8",[5851],{"_key":5852,"_type":127,"marks":5853,"text":5840},"d9776284c8a1",[],[],{"_key":5856,"_type":123,"children":5857,"markDefs":5861,"style":190},"cb94d717725c",[5858],{"_key":5859,"_type":127,"marks":5860,"text":606},"f6cc1766ad96",[],[],{"_key":5863,"_type":123,"children":5864,"markDefs":5869,"style":190},"bf9c2e41236e",[5865],{"_key":5866,"_type":127,"marks":5867,"text":5868},"ead560e81802",[],"The survey showed that new export orders increased at their fastest pace since April, suggesting rising demand from overseas buyers. This uptick in foreign interest may be linked to U.S. importers rushing to secure Chinese goods ahead of both potential and actual tariff hikes imposed by the US. On Tuesday, President Trump imposed a further 10% levy on Chinese goods.",[],{"_key":5871,"_type":123,"children":5872,"markDefs":5877,"style":190},"b29894d58266",[5873],{"_key":5874,"_type":127,"marks":5875,"text":5876},"9e178a4b9ccf",[],"On Tuesday, the Trump administration implemented hefty 25% tariffs on Canada and Mexico, a move that some economists warn could ignite a global trade war. This concern grew as Canada swiftly retaliated with its own tariffs, and there is speculation that Mexico will announce similar measures by Sunday. The U.S. decision triggered a short period of market turbulence, heightening investor fears about potential economic fallout. As a result, the dollar weakened as investors sought refuge in safe-haven treasuries, driving yields down.",[],{"_key":5879,"_type":123,"children":5880,"markDefs":5885,"style":190},"04797071ddb5",[5881],{"_key":5882,"_type":127,"marks":5883,"text":5884},"4563023bf33b",[],"Following a highly tense meeting between President Zelensky and Trump last week, Trump halted all military aid to Ukraine while communication between the two leaders stalled. However, on Tuesday, Trump revealed that Zelensky reached out to him to confirm that Ukraine is ready to reinstate the minerals agreement and, subsequently, the restoration of U.S. aid to Ukraine. Market participants have closely followed the current situation with curiosity, but it has had little impact on the markets. While the suspension of aid to Ukraine drove European defence stocks higher, reinforcing expectations of increased defence spending and expedited support for Ukraine, traders appear more focused on concerns over tariffs.In February, inflation in the Eurozone declined to 2.4%, a slight drop from January’s 2.5% but still higher than the 2.3% forecasted by economists. This slowdown was primarily driven by weaker energy price inflation and an exceptionally low 0.9% inflation rate in France.",[],{"_key":5887,"_type":123,"children":5888,"markDefs":5893,"style":190},"0ed63cbafb0a",[5889],{"_key":5890,"_type":127,"marks":5891,"text":5892},"eef3626bc2bd",[],"With the economy struggling with sluggish growth —marked by a manufacturing downturn and restrained consumer spending—the European Central Bank (ECB) is expected to lower its key interest rate by 25 basis points again at its next meeting.",[],{"_key":5895,"_type":123,"children":5896,"markDefs":5901,"style":190},"0775a929c6de",[5897],{"_key":5898,"_type":127,"marks":5899,"text":5900},"ffbe73bcd57a",[],"Over in Ireland, manufacturing PMI rose to 51.9 in February 2025 from 51.3 in January, marking the fastest factory growth since February 2024. New orders saw their strongest increase in three years, while output rose steadily, driven by domestic demand.",[],{"_key":5903,"_type":123,"children":5904,"markDefs":5909,"style":190},"bd76ca56f12d",[5905],{"_key":5906,"_type":127,"marks":5907,"text":5908},"318a513c825b",[],"We appreciate the past week has been turbulent with market noise and geopolitical chaos. It’s understandable to feel unsettled, but predicting short-term movements in global equity markets is inherently difficult. The path for equities is rarely smooth, yet history shows that the best way to maximize returns is not by timing the market but by maximising time in the market.",[],{"_key":5911,"_type":123,"children":5912,"markDefs":5917,"style":190},"46a814025ae2",[5913],{"_key":5914,"_type":127,"marks":5915,"text":5916},"9f070f52d733",[],"Similar market dynamics played out during the early years of the first Trump administration, particularly in 2018, when trade tensions with China and Canada triggered short-term volatility. While tariffs created temporary headwinds, markets adapted, a U.S.-China trade deal emerged, and momentum returned. There are even silver linings amidst the uncertainty. The recent drop in oil prices—following OPEC+’s decision to boost production from April—acts like a tax cut, potentially increasing disposable income and stimulating economic activity. While volatility may persist for the short term, history reminds us that markets are resilient, and opportunities often emerge in ambiguous times.",[],{"_key":5919,"_type":123,"children":5920,"markDefs":5925,"style":190},"edfed154ccc5",[5921],{"_key":5922,"_type":127,"marks":5923,"text":5924},"ef0e9c0bde82",[],"Still to come this week we have Eurozone retail sales, the ECB’s interest rate decision and US jobs data.",[],{"_key":5927,"_type":123,"children":5928,"markDefs":5932,"style":190},"d105c38375ef",[5929],{"_key":5930,"_type":127,"marks":5931,"text":2546},"030dd8a2ddbf",[197],[],[5934],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":5936,"blogPostMeta":5937,"content":5959,"tag":6056,"title":5958},"340ffc92-101d-4db4-a383-603f3581337c",{"_type":56,"featuredImage":5938,"featuredVideo":115,"preview":5954,"publishedAt":5955,"slug":5956,"title":5958},{"_type":58,"alt":513,"asset":5939},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":5940,"mimeType":102,"opt":5950,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":5941,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":5942},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":5943,"darkVibrant":5944,"dominant":5945,"lightMuted":5946,"lightVibrant":5947,"muted":5948,"vibrant":5949},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":5951},{"tags":5952},[5953],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"As shown in the accompanying table, financial markets broadly declined this week. Ongoing uncertainty—markets’ greatest foe—and shifting policies weighed on investor sentiment.","2025-03-10T16:07:00.000Z",{"_type":9,"current":5957},"week-ending-7th-march-2025","Week ending 7th march 2025.",[5960,5963,5970,5977,5985,5993,6001,6009,6017,6025,6033,6041,6049],{"_key":5961,"_type":2605,"height":2606,"url":5962,"width":2608},"2ab4323d11d1","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1064271888?h=fe6a9193a9",{"_key":5964,"_type":123,"children":5965,"markDefs":5969,"style":190},"eb8295f34c38",[5966],{"_key":5967,"_type":127,"marks":5968,"text":5954},"0b73f84d817e",[],[],{"_key":5971,"_type":123,"children":5972,"markDefs":5976,"style":190},"670a1a42cee3",[5973],{"_key":5974,"_type":127,"marks":5975,"text":606},"b5be6f88832a",[],[],{"_key":5978,"_type":123,"children":5979,"markDefs":5984,"style":190},"bc40910c1562",[5980],{"_key":5981,"_type":127,"marks":5982,"text":5983},"f4ffd3307bbd",[],"Over in Europe performance was mixed, the prospect of increased spending on defence and infrastructure by Germany and the European Union helped to moderate losses.",[],{"_key":5986,"_type":123,"children":5987,"markDefs":5992,"style":190},"2c3ce0e3eb34",[5988],{"_key":5989,"_type":127,"marks":5990,"text":5991},"da9aeaca6a37",[],"Germany’s DAX rose 2.03% this week with Friedrich Merz’s conservative alliance and the Social Democratic Party, who are in talks to form the next government, agreed to create an off-balance sheet €500 billion infrastructure fund, boost defence spending and loosen debt rules for states.",[],{"_key":5994,"_type":123,"children":5995,"markDefs":6000,"style":190},"08f12355c05d",[5996],{"_key":5997,"_type":127,"marks":5998,"text":5999},"594ebc18e3fc",[],"The European Central Bank (ECB) cut interest rates on Thursday, reducing the rate on bank deposits by 25 basis points to 2.5%, making monetary policy “less restrictive.” With the ECB’s inflation target nearing 2%, the key question is how much further the easing cycle will continue. This decision also comes amid rising global trade tensions and shifts in Germany’s fiscal policies and new plans to increase Europe’s military spending.While the ECB’s actions have helped reduce borrowing costs, spurring loan growth, uncertainty remains about their long-term effects, especially with developments in Europe. With Germany and the EU commissions announcements just days before the policy meeting, policymakers have not yet had time to assess the full impact on growth and inflation. ECB President Christine Lagarde acknowledged the frustration over repetitive rhetoric but stressed that the rapidly changing economic landscape requires caution with risks from energy prices, trade policy, and shifting fiscal policies.",[],{"_key":6002,"_type":123,"children":6003,"markDefs":6008,"style":190},"3a23cbac1fe0",[6004],{"_key":6005,"_type":127,"marks":6006,"text":6007},"17cd883fa34b",[],"This week’s market activity serves as a timely reminder that while it’s easy to get swept up in the short-term noise, it’s crucial to avoid knee jerk reaction. A case in point: President Trump’s ever-changing stance on tariffs. On Tuesday, March 4th, the US administration announced sweeping 25% tariffs on imports from Mexico and Canada. However, by Thursday, the implementation was postponed for a month. This temporary delay applies to goods covered under the USMCA trade agreement, which was negotiated during Trump’s first term, giving both countries some breathing room for continued discussions. These shifting policy moves highlight the importance of maintaining a long-term economic perspective, rather than reacting hastily to the latest developments in trade and tariffs.",[],{"_key":6010,"_type":123,"children":6011,"markDefs":6016,"style":190},"8f6b31eb295b",[6012],{"_key":6013,"_type":127,"marks":6014,"text":6015},"1df80fa206d7",[],"The latest US labour market report revealed job growth picked up in February with a gain of 151,000 jobs, slightly below expectations but an improvement from January’s 125,000. Job growth was strongest in healthcare, financial activities, and transportation, while federal employment declined. Federal government payrolls, excluding the post office, fell by 6,700, signalling a broader trend as Elon Musk’s Department of Government Efficiency (DOGE) has implemented significant layoffs as part of a major initiative to downsize the government and cut costs.",[],{"_key":6018,"_type":123,"children":6019,"markDefs":6024,"style":190},"ba541ad7a8a4",[6020],{"_key":6021,"_type":127,"marks":6022,"text":6023},"52d699fc9128",[],"The unemployment rose to 4.1% in February 2025, up from 4.0% in January and slightly exceeding market expectations of 4.0%. Overall, the data suggests a cooling labour market, yet it remains resilient, which could support a more cautious approach by the Federal Reserve.On Friday, at an event at the University of Chicago, Federal Reserve Chair Jerome Powell reassured markets, noting that despite elevated uncertainty, “the US economy continues to be in a good place.” Regarding interest rates, he added, “We do not need to be in a hurry and are well-positioned to wait for greater clarity.”",[],{"_key":6026,"_type":123,"children":6027,"markDefs":6032,"style":190},"07fd6447f40f",[6028],{"_key":6029,"_type":127,"marks":6030,"text":6031},"d6616128a25d",[],"Chinese stock markets advanced this week after Beijing set economic growth targets in line with forecasts and signalled further stimulus. At the National People’s Congress, China maintained its 5% growth target for 2025 but raised its fiscal deficit goal to 4% of GDP, the highest since 1994, amid ongoing trade tensions and a struggling property sector. While the government emphasised boosting consumption, specific measures remain unclear.",[],{"_key":6034,"_type":123,"children":6035,"markDefs":6040,"style":190},"3c0299745bd9",[6036],{"_key":6037,"_type":127,"marks":6038,"text":6039},"65199e1b57b2",[],"With global financial markets experiencing uneven performance, this underscores the importance of a diversified portfolio to manage risks across different regions and asset classes.",[],{"_key":6042,"_type":123,"children":6043,"markDefs":6048,"style":190},"0993298eb465",[6044],{"_key":6045,"_type":127,"marks":6046,"text":6047},"c28f225b0f1c",[],"Coming up next week, US inflation data, PPI, initial jobless claims and University of Michigan consumer sentiment as well as UK retail sales and GDP growth.",[],{"_key":6050,"_type":123,"children":6051,"markDefs":6055,"style":190},"840ea6cccca6",[6052],{"_key":6053,"_type":127,"marks":6054,"text":3026},"a33da043becc",[197],[],[6057],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":6058,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":6060,"title":3039},{"base":6059},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":6062,"blogPostMeta":6063,"content":6085,"tag":6174,"title":6084},"fb46010b-0c51-47a6-b368-fe7f736bd9f5",{"_type":56,"featuredImage":6064,"featuredVideo":115,"preview":6080,"publishedAt":6081,"slug":6082,"title":6084},{"_type":58,"alt":513,"asset":6065},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":6066,"mimeType":102,"opt":6076,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":6067,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":6068},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":6069,"darkVibrant":6070,"dominant":6071,"lightMuted":6072,"lightVibrant":6073,"muted":6074,"vibrant":6075},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":6077},{"tags":6078},[6079],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"As you can see from the accompanying table financial markets were mixed this week amid company earnings reports, economic data and talk on tariffs.","2025-03-03T16:07:00.000Z",{"_type":9,"current":6083},"week-ending-28th-february-2025","Week ending 28th February 2025.",[6086,6089,6096,6103,6111,6119,6127,6135,6143,6151,6159,6167],{"_key":6087,"_type":2605,"height":2606,"url":6088,"width":2608},"991d91165b04","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1062007640?h=1cf45e6b88",{"_key":6090,"_type":123,"children":6091,"markDefs":6095,"style":190},"75eb3103a245",[6092],{"_key":6093,"_type":127,"marks":6094,"text":6080},"c004b2d14bca",[],[],{"_key":6097,"_type":123,"children":6098,"markDefs":6102,"style":190},"efc75d34179f",[6099],{"_key":6100,"_type":127,"marks":6101,"text":606},"3d0170d47fb9",[],[],{"_key":6104,"_type":123,"children":6105,"markDefs":6110,"style":190},"bda13cc493b4",[6106],{"_key":6107,"_type":127,"marks":6108,"text":6109},"115491e4d4ca",[],"U.S. stocks ended the week lower, weighed down by the “Magnificent Seven.” Nvidia’s Q4 earnings beat expectations but revealed a slowdown in data centre revenue growth. Still, the company posted $11 billion in Blackwell product revenue, exceeding forecasts and easing demand concerns.",[],{"_key":6112,"_type":123,"children":6113,"markDefs":6118,"style":190},"83b6c2dda8a6",[6114],{"_key":6115,"_type":127,"marks":6116,"text":6117},"e1cb03f8d812",[],"On Thursday, President Trump announced new tariffs on Mexico and Canada effective March 4th, alongside an additional 10% tariff on Chinese goods. In response, Asian markets saw a sharp pullback on Friday, erasing much of their earlier weekly gains. He also proposed 25% tariffs on imports from the European Union, particularly for automotives. Despite this, European markets closed the week slightly higher, supported by strong corporate earnings and gains in defence stocks.Markets have been relatively calm amidst Trump’s tariff proposals, but growing uncertainty around trade negotiations is now weighing on investor confidence. Trump’s unpredictable approach, balancing negotiation tactics and policy, has made it hard for the market to find clear direction. With Trump directing his team to explore “reciprocal” tariffs for each country, volatility is expected to continue as investors adopt a “wait and see” approach. Short-term fluctuations may persist, but pullbacks could present buying opportunities for long-term investors.",[],{"_key":6120,"_type":123,"children":6121,"markDefs":6126,"style":190},"657952e340c0",[6122],{"_key":6123,"_type":127,"marks":6124,"text":6125},"6dd0767a5db3",[],"In the US, Friday’s release of January’s core PCE inflation report met expectations, providing reassurance about inflation’s trajectory. Annual personal consumption growth eased to 2.5%, down from 2.6% in December, while core inflation slowed to 2.6%, from 2.9%. Personal income saw a significant 0.9% month-over-month increase, its largest rise in a year. However, personal spending dropped by 0.2%, marking the first decline in nearly two years. The softer consumer spending and slower income growth are likely to capture the Fed’s attention. While inflation is decelerating, the monthly rate remains higher than the Fed would prefer, keeping future rate hikes in focus.",[],{"_key":6128,"_type":123,"children":6129,"markDefs":6134,"style":190},"1529b34e840e",[6130],{"_key":6131,"_type":127,"marks":6132,"text":6133},"e866b92a0ef0",[],"The UK’s FTSE 100 outperformed other major indices, with UK Prime Minister Keir Starmer’s White House visit keeping sentiment positive. While discussions on a trade deal with the US were cordial, there were no firm commitments made on trade terms but no mention of tariffs which was seen as a positive. Starmer also came away without any U.S. security guarantees for Ukraine.",[],{"_key":6136,"_type":123,"children":6137,"markDefs":6142,"style":190},"5d22abcbf66e",[6138],{"_key":6139,"_type":127,"marks":6140,"text":6141},"5dcea4f2da1c",[],"On Friday, tensions flared in the Oval Office during a meeting between President Trump, U.S. Vice President JD Vance, and Ukrainian President Zelensky. The discussion focused on a potential deal where the U.S. would receive mineral resources from Ukraine in exchange for supporting ceasefire negotiations with Russia. What began as a cordial talk quickly escalated into a heated argument, with Trump and Vance accusing Zelensky of not showing enough gratitude for U.S. support and “gambling with World War Three.”As no agreement was reached on either issue, this added to the uncertainty surrounding the prospects of a peace deal with Russia. Despite the drama, U.S. markets, which had already closed after European markets, responded with caution. The S&P 500 initially dipped following the confrontation but regained ground to finish the day higher. Many investors are speculating that President Trump may still pursue the deal in the future.",[],{"_key":6144,"_type":123,"children":6145,"markDefs":6150,"style":190},"bc725a1a2773",[6146],{"_key":6147,"_type":127,"marks":6148,"text":6149},"b84b257e5bf7",[],"Over the weekend, British Prime Minister Keir Starmer welcomed Zelensky as well as other European leaders for discussions. During the meeting, he emphasized the importance of Ukraine’s allies maintaining and strengthening their support.",[],{"_key":6152,"_type":123,"children":6153,"markDefs":6158,"style":190},"cb3638f4d87c",[6154],{"_key":6155,"_type":127,"marks":6156,"text":6157},"597529994378",[],"As always, investors should keep an eye on geopolitical developments, but there is reassurance in the fact that markets have remained resilient despite the headlines.",[],{"_key":6160,"_type":123,"children":6161,"markDefs":6166,"style":190},"66645a10bf1c",[6162],{"_key":6163,"_type":127,"marks":6164,"text":6165},"5c2246e010a7",[],"Coming up next week, Eurozone inflation data, unemployment rate and the ECBs interest rate decision. Chinese PMI, US Services PMI and US labour market data. We also have The Chinese People’s Political Consultative Conference on March 4th, followed by the National People’s Congress on March 5th.",[],{"_key":6168,"_type":123,"children":6169,"markDefs":6173,"style":190},"2837add0e98d",[6170],{"_key":6171,"_type":127,"marks":6172,"text":3026},"048bf2653d8e",[197],[],[6175],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":6176,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":6178,"title":3039},{"base":6177},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":6180,"blogPostMeta":6181,"content":6224,"tag":6302,"title":6223},"277c3de2-b77b-4330-a728-acf195da316a",{"_type":56,"featuredImage":6182,"featuredVideo":115,"preview":6219,"publishedAt":6220,"slug":6221,"title":6223},{"_type":58,"alt":513,"asset":6183},{"_createdAt":6184,"_id":6185,"_rev":62,"_type":63,"_updatedAt":64,"assetId":6186,"extension":393,"metadata":6187,"mimeType":421,"opt":6209,"originalFilename":6214,"path":6215,"sha1hash":6186,"size":6216,"uploadId":6217,"url":6218},"2025-03-26T10:28:17Z","image-9256ac866b36892268668bdda3ec2d042efa14ab-1000x667-jpg","9256ac866b36892268668bdda3ec2d042efa14ab",{"_type":68,"blurHash":6188,"dimensions":6189,"hasAlpha":4,"isOpaque":75,"lqip":6190,"palette":6191},"VIIqomN3.Q.8D*o[4:=^%1Vss:9EE1M|9F?woIt7tRNG",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAGQAAAgMBAAAAAAAAAAAAAAAAAAUBAwQG\u002F8QAIxAAAQMDBAIDAAAAAAAAAAAAAQIDBAAFBhESITEHExQiMv\u002FEABUBAQEAAAAAAAAAAAAAAAAAAAQC\u002F8QAGxEBAAIDAQEAAAAAAAAAAAAAAQACAxESBEH\u002F2gAMAwEAAhEDEQA\u002FAMebY\u002FfbJOniOAt12KSXArlKSajxxLuWN3Nt6NFWyj4wQ7r04s9GndgdeyKTe2Lk8pYQA1uHBKRzpVEMhWQ7FAlPr2o1P4A6oLXneOsYG6dsb3XIW1zFKuUB1ySR9iBRXE5XeJca9vtJWFAackUUZ8p9WQZGf\u002F\u002FZ",{"_type":78,"darkMuted":6192,"darkVibrant":6195,"dominant":6198,"lightMuted":6201,"lightVibrant":6203,"muted":6204,"vibrant":6207},{"_type":80,"background":6193,"foreground":82,"population":6194,"title":82},"#583a29",4.24,{"_type":80,"background":6196,"foreground":82,"population":6197,"title":82},"#716224",4.23,{"_type":80,"background":6199,"foreground":92,"population":6200,"title":82},"#debba1",5.85,{"_type":80,"background":6202,"foreground":92,"population":880,"title":82},"#c6ceae",{"_type":80,"background":6199,"foreground":92,"population":6200,"title":82},{"_type":80,"background":6205,"foreground":82,"population":6206,"title":82},"#a7885a",4.18,{"_type":80,"background":6208,"foreground":92,"population":93,"title":82},"#dbb661",{"media":6210},{"tags":6211},[6212],{"_key":6213,"_ref":108,"_type":109,"_weak":75},"5MNCRFz9H6QjdxMoIUaXL","shutterstock_1363004507.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F9256ac866b36892268668bdda3ec2d042efa14ab-1000x667.jpg",737821,"JlAWmQtC540ta4sjKVBvoKKwEvkLbc8R","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F9256ac866b36892268668bdda3ec2d042efa14ab-1000x667.jpg","With the end of the tax year fast approaching, there is still time for individuals to take full advantage of their £20,000 ISA allowance.","2025-02-26T16:07:00.000Z",{"_type":9,"current":6222},"individuals-should-act-fast-to-make-the-most-of-their-isa-allowance.","Individuals should act fast to make the most of their ISA allowance.",[6225,6232,6239,6247,6255,6262,6270,6278,6286,6294],{"_key":6226,"_type":123,"children":6227,"markDefs":6231,"style":190},"34c2b658f76b",[6228],{"_key":6229,"_type":127,"marks":6230,"text":6219},"17402ef0fe7d",[],[],{"_key":6233,"_type":123,"children":6234,"markDefs":6238,"style":190},"c96f072697ec",[6235],{"_key":6236,"_type":127,"marks":6237,"text":606},"09690d226bca",[],[],{"_key":6240,"_type":123,"children":6241,"markDefs":6246,"style":190},"7c506d958a6d",[6242],{"_key":6243,"_type":127,"marks":6244,"text":6245},"f36bacede564",[],"Chancellor Rachel Reeves is also understood to be considering reducing the Cash ISA tax-free allowance by 80% from £20,000 to just £4,000 annually and whilst it’s not confirmed when such a change would be introduced, there is speculation it could be as early as 6 April 2025.",[],{"_key":6248,"_type":123,"children":6249,"markDefs":6254,"style":190},"960bdb3e9eac",[6250],{"_key":6251,"_type":127,"marks":6252,"text":6253},"b3114e75d620",[],"There have also already been many reductions in tax allowances and increases in tax rates over recent times. So maximising ISA contributions before the end of this tax year is now more important than ever.",[],{"_key":6256,"_type":123,"children":6257,"markDefs":6261,"style":190},"3f73cf57ef62",[6258],{"_key":6259,"_type":127,"marks":6260,"text":4756},"07d0cb5273cd",[197],[],{"_key":6263,"_type":123,"children":6264,"markDefs":6269,"style":190},"227a961186af",[6265],{"_key":6266,"_type":127,"marks":6267,"text":6268},"1f96af86bc89",[],"“With the end of the tax year fast approaching and rumours that the Cash ISA allowance may be drastically cut, it’s more important than ever that people review their finances now. It’s crucial to keep in mind that any unused allowance can’t be carried over into the new tax year. So, for those who have savings or investments held outside an ISA or a pension, it is a case of ‘use it or lose it’.”",[],{"_key":6271,"_type":123,"children":6272,"markDefs":6277,"style":190},"d0b6da7f2841",[6273],{"_key":6274,"_type":127,"marks":6275,"text":6276},"fcadbc40f9e7",[],"Watts-Lay explains; “Many other savings allowances have shrunk in recent times. This includes the Tax-Free Dividend Allowance which has fallen from £5,000 in 2017\u002F18 to just £500 today, while the Capital Gains Tax (CGT) exemption, which was £12,300 in 2022\u002F23, has dropped to £3,000. From October 2024, CGT rates rose to 18% for basic rate taxpayers and 24% for those paying tax above the basic rate.”",[],{"_key":6279,"_type":123,"children":6280,"markDefs":6285,"style":190},"f6c55e68df90",[6281],{"_key":6282,"_type":127,"marks":6283,"text":6284},"5fcdf42a4b32",[],"Watts-Lay explains; “Not only this but rising interest rates have also led more savers to exceed their Personal Savings Allowance (£1,000 for basic rate taxpayers and £500 for higher rate taxpayers), resulting in unexpected tax liabilities. In contrast, the ISA allowance currently still remains at £20,000 which allows individuals to shield their savings and investments from taxes on interest, dividends, and capital gains; although we don’t know how this will change in the future.”",[],{"_key":6287,"_type":123,"children":6288,"markDefs":6293,"style":190},"36d8f4919981",[6289],{"_key":6290,"_type":127,"marks":6291,"text":6292},"bbc621374b43",[],"He comments; “Many employers want to support their employees to build financial resilience for the future and therefore offer financial education to help with understanding of savings methods, as well as access to savings vehicles like Workplace ISAs that provide a tax efficient way to invest. Whilst we don’t know what potential changes to tax allowances and rates may lay ahead, providing financial wellbeing support in the workplace to help employees improve their financial future can only be a good thing.”",[],{"_key":6295,"_type":123,"children":6296,"markDefs":6301,"style":190},"67e177897b07",[6297],{"_key":6298,"_type":127,"marks":6299,"text":6300},"0fc1dd0bbb1d",[],"“It’s always worth speaking to your employer to see how they can help you.”",[],[6303],{"_createdAt":980,"_id":981,"_rev":982,"_type":377,"_updatedAt":983,"brandSpecific":75,"slug":984,"title":985},{"_id":6305,"blogPostMeta":6306,"content":6327,"tag":6408,"title":6326},"3d1f8bc7-660f-4dda-97a2-0632310cd45c",{"_type":56,"featuredImage":6307,"featuredVideo":115,"preview":6323,"publishedAt":6220,"slug":6324,"title":6326},{"_type":58,"alt":513,"asset":6308},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":6309,"mimeType":102,"opt":6319,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":6310,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":6311},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":6312,"darkVibrant":6313,"dominant":6314,"lightMuted":6315,"lightVibrant":6316,"muted":6317,"vibrant":6318},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":6320},{"tags":6321},[6322],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"This week has been relatively quiet for financial markets, but there are signs of renewed momentum in Europe’s luxury goods sector which, after a period of sluggish performance, appears to be enjoying moderate revival.",{"_type":9,"current":6325},"market-update-26th-february-2025","Market Update – 26th February 2025.",[6328,6335,6338,6346,6353,6361,6369,6377,6385,6393,6401],{"_key":6329,"_type":123,"children":6330,"markDefs":6334,"style":190},"3d173da56057",[6331],{"_key":6332,"_type":127,"marks":6333,"text":606},"aa95f1a76b9b",[],[],{"_key":6336,"_type":2605,"height":2606,"url":6337,"width":2608},"9bb45262c12f","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1060441809?h=d6097bb9ee",{"_key":6339,"_type":123,"children":6340,"markDefs":6345,"style":190},"9ce3915ab8f6",[6341],{"_key":6342,"_type":127,"marks":6343,"text":6344},"392ccad7822a",[],"This week has been relatively quiet for financial markets, but there are signs of renewed momentum in Europe’s luxury goods sector which, after a period of sluggish performance, appears to be enjoying moderate revival. Hermès and Cartier, two of the biggest names in luxury retail, reported strong earnings this month, signalling a potential turnaround. Economists suggest that this means the worst may be behind us, with robust demand from US and European consumers driving recovery.",[],{"_key":6347,"_type":123,"children":6348,"markDefs":6352,"style":190},"a6e26c7ffda9",[6349],{"_key":6350,"_type":127,"marks":6351,"text":606},"bb2724591511",[],[],{"_key":6354,"_type":123,"children":6355,"markDefs":6360,"style":190},"f28da043c1cc",[6356],{"_key":6357,"_type":127,"marks":6358,"text":6359},"c1f524669de2",[],"However, Chinese consumers—long the backbone of the luxury sector—remain a key uncertainty. While Western demand is fuelling growth, analysts are closely monitoring the impact of US tariffs and economic headwinds on Chinese spending. If higher costs trickle down to consumers, a full return to pre-pandemic spending levels could take longer—a challenge not just for China, but for shoppers worldwide.",[],{"_key":6362,"_type":123,"children":6363,"markDefs":6368,"style":190},"1f5d0917da8b",[6364],{"_key":6365,"_type":127,"marks":6366,"text":6367},"900b90ab1e28",[],"Meanwhile, data on Tuesday revealed that Germany’s economy shrunk by 0.2% in Q4 2024, confirming earlier estimates, as exports plunged 2.2%—the steepest drop since mid-2020. While GDP saw a modest 0.1% rise in Q3, the full-year decline of 0.2% marks the second straight year of contraction. Rising energy costs, foreign competition, high interest rates, and mounting economic uncertainty continue to drag down Europe’s largest economy, raising concerns about its recovery path.",[],{"_key":6370,"_type":123,"children":6371,"markDefs":6376,"style":190},"f52bbed4aa37",[6372],{"_key":6373,"_type":127,"marks":6374,"text":6375},"e5deb340ce22",[],"The data was published shortly off the back of the preliminary results of the snap election in Germany this month. The CDU is expected to win 208 seats in the German Parliament, based on provisional results from the German election held on February 23, 2025. Although this would make the CDU the biggest party, they would still have too few seats to form a government and would therefore have to enter into a coalition with one or more of the other parties. Both the Euro and German stock markets are likely to see positive momentum in the short term amid election optimism.In the US, a new administration is prioritising retaining jobs on American soil and reducing bureaucracy to support domestic businesses. However, on Tuesday, the Conference Board’s consumer confidence index fell to 98.3 in February from 105.3 in January. While views on current business conditions improved slightly, perceptions of the labour market weakened, and pessimism about future business conditions, income prospects, and employment opportunities reached a 10-month high.",[],{"_key":6378,"_type":123,"children":6379,"markDefs":6384,"style":190},"38f33fed03ff",[6380],{"_key":6381,"_type":127,"marks":6382,"text":6383},"80b06d266414",[],"Investors are also closely watching developments on President Trump’s latest proposed tariffs. On Monday, Trump announced that tariffs on Canada and Mexico will take effect next month, following a brief suspension, as part of his broader efforts to counter what he views as unfair import taxes from other countries, which he argues have harmed US manufacturing jobs.",[],{"_key":6386,"_type":123,"children":6387,"markDefs":6392,"style":190},"bcf8d1a171ed",[6388],{"_key":6389,"_type":127,"marks":6390,"text":6391},"e31a1ae428ac",[],"Still to come this week, tech-chip giant Nvidia is set to release its earnings report, with investors watching closely to see if its remarkable growth streak continues. The company has consistently outperformed expectations, exceeding consensus estimates by an average of $1.8 billion over the past five quarters. Market participants are particularly eager to gauge revenue from Nvidia’s Blackwell chips, amid growing concerns over how US tariff threats and export controls could impact its future prospects.",[],{"_key":6394,"_type":123,"children":6395,"markDefs":6400,"style":190},"37b412231014",[6396],{"_key":6397,"_type":127,"marks":6398,"text":6399},"8b6072ea5d04",[],"Also to come this week we have US GDP and PCE data, Tokyo CPI and Japan’s retail sales data, and China’s PMI data.",[],{"_key":6402,"_type":123,"children":6403,"markDefs":6407,"style":190},"21687c33d2cf",[6404],{"_key":6405,"_type":127,"marks":6406,"text":2546},"efdf3f44529f",[197],[],[6409],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":6411,"blogPostMeta":6412,"content":6454,"tag":6545,"title":6453},"765ff791-c8e5-4dd3-8490-eb62b671e4fa",{"_type":56,"featuredImage":6413,"featuredVideo":115,"preview":6450,"publishedAt":6220,"slug":6451,"title":6453},{"_type":58,"alt":513,"asset":6414},{"_createdAt":6415,"_id":6416,"_rev":62,"_type":63,"_updatedAt":64,"assetId":6417,"extension":393,"metadata":6418,"mimeType":421,"opt":6440,"originalFilename":6445,"path":6446,"sha1hash":6417,"size":6447,"uploadId":6448,"url":6449},"2025-03-26T09:11:06Z","image-a5a977f371d8bede9fad2bc923fea5e4070d95bc-1000x667-jpg","a5a977f371d8bede9fad2bc923fea5e4070d95bc",{"_type":68,"blurHash":6419,"dimensions":6420,"hasAlpha":4,"isOpaque":75,"lqip":6421,"palette":6422},"VXMGVDem$eWX9Z~AkDR,IUWXRjRjIooyt7NGRjxaxuof",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwAAAwEAAAAAAAAAAAAAAAAAAAUGB\u002F\u002FEACIQAAICAgEEAwEAAAAAAAAAAAECAwQABSEGERIxMkJhcf\u002FEABUBAQEAAAAAAAAAAAAAAAAAAAME\u002F8QAGREAAwEBAQAAAAAAAAAAAAAAAQIDADFB\u002F9oADAMBAAIRAxEAPwDUOn0o0tG9i1KkSR8ksewxRT3sNvaqK9gSVmk8Sqjv2445yNmim6p1YgnsyVoEcApH9v7j3obX19RVtV66eQWT5NyTkkphl1lalG1LtWje16HCge8Mz7Zbm6+wsATFQrlQB+YYRkSeZRVR7v\u002FZ",{"_type":78,"darkMuted":6423,"darkVibrant":6426,"dominant":6429,"lightMuted":6432,"lightVibrant":6434,"muted":6436,"vibrant":6437},{"_type":80,"background":6424,"foreground":82,"population":6425,"title":82},"#523e32",1.35,{"_type":80,"background":6427,"foreground":82,"population":6428,"title":82},"#7e4a32",2.6,{"_type":80,"background":6430,"foreground":82,"population":6431,"title":82},"#b18a6e",5.31,{"_type":80,"background":6433,"foreground":92,"population":1326,"title":82},"#d4b6a0",{"_type":80,"background":6435,"foreground":92,"population":2283,"title":82},"#e9b089",{"_type":80,"background":6430,"foreground":82,"population":6431,"title":82},{"_type":80,"background":6438,"foreground":82,"population":6439,"title":82},"#916144",1.58,{"media":6441},{"tags":6442},[6443],{"_key":6444,"_ref":108,"_type":109,"_weak":75},"4cc4BYELFZRdPEhVZQsH1","shutterstock_774091627.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002Fa5a977f371d8bede9fad2bc923fea5e4070d95bc-1000x667.jpg",559740,"fVRzJV1AeTg65NpT102wgr3Yw8v8aTVY","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002Fa5a977f371d8bede9fad2bc923fea5e4070d95bc-1000x667.jpg","There is just over a month left to check and fill any gaps in National Insurance (NI) records going back to 2006 to boost State Pension entitlement. ",{"_type":9,"current":6452},"check-state-pension-entitlement-before-5-april-deadline","Check State Pension entitlement before 5 April deadline.",[6455,6463,6470,6478,6486,6494,6502,6510,6518,6526,6537],{"_key":6456,"_type":123,"children":6457,"markDefs":6462,"style":190},"8f8e1c50ec80",[6458],{"_key":6459,"_type":127,"marks":6460,"text":6461},"577bef7dd164",[],"There is just over a month left to check and fill any gaps in National Insurance (NI) records going back to 2006 to boost State Pension entitlement. As a minimum of 35 years of NI is needed to receive the full State Pension payment, anyone who thinks that they may have any gaps in their records should check their entitlement now so they can consider filling these before 5 April. After this date, individuals will only be able to make voluntary contributions for the last 6 years of NI credit.",[],{"_key":6464,"_type":123,"children":6465,"markDefs":6469,"style":190},"075ae31937ef",[6466],{"_key":6467,"_type":127,"marks":6468,"text":606},"7118b78967d6",[],[],{"_key":6471,"_type":123,"children":6472,"markDefs":6477,"style":190},"c74fb57c648a",[6473],{"_key":6474,"_type":127,"marks":6475,"text":6476},"7dd090587b33",[],"Currently NI credits can be purchased for those who are employed. The cost of this is £17.45 per week, or £907.40 to plug the gap for a full year in your record. Each extra complete year of National Insurance purchased will give up to £6.32 more a week (£328.64 a year) in State Pension, before any annual increase.",[],{"_key":6479,"_type":123,"children":6480,"markDefs":6485,"style":190},"4cc9258df437",[6481],{"_key":6482,"_type":127,"marks":6483,"text":6484},"1c5d006dcd7a",[],"According to MoneyHelper, the point of making voluntary National Insurance contributions is to pay a small amount now, so you get more State Pension in the long run.",[],{"_key":6487,"_type":123,"children":6488,"markDefs":6493,"style":190},"b109c392d57c",[6489],{"_key":6490,"_type":127,"marks":6491,"text":6492},"629b2d8b1f4f",[],"For example, you could pay between £15.30 and £907.40 for one extra National Insurance year and get back:",[],{"_key":6495,"_type":123,"children":6496,"level":203,"listItem":759,"markDefs":6501,"style":190},"1d399248c93b",[6497],{"_key":6498,"_type":127,"marks":6499,"text":6500},"9cbb7830517b",[],"over £1,600 if you lived for another five years, and",[],{"_key":6503,"_type":123,"children":6504,"level":203,"listItem":759,"markDefs":6509,"style":190},"d76f269e1c0a",[6505],{"_key":6506,"_type":127,"marks":6507,"text":6508},"6d8ee70ddda9",[],"over £6,500 if you lived another 20 years.",[],{"_key":6511,"_type":123,"children":6512,"markDefs":6517,"style":190},"f5cd438b73aa",[6513],{"_key":6514,"_type":127,"marks":6515,"text":6516},"a10f44e7aac8",[],"It can take a number of years to get back what you pay in, so people should think how long they will expect to get their State Pension for. If someone was to die before reaching State Pension age, they wouldn’t get anything back.",[],{"_key":6519,"_type":123,"children":6520,"markDefs":6525,"style":190},"4f1e636a7e38",[6521],{"_key":6522,"_type":127,"marks":6523,"text":6524},"27ccdd7cd0c1",[],"Individuals can make an enquiry to find out their entitlement by requesting a State Pension statement using a form called a BR19, which is available online or by calling the government helpline on 0345 3000 168. Alternatively, those who have a Government Gateway account can access these details online.",[],{"_key":6527,"_type":123,"children":6528,"markDefs":6536,"style":190},"5e410b48f24b",[6529,6532],{"_key":6530,"_type":127,"marks":6531,"text":2054},"bc6da495eeff",[197],{"_key":6533,"_type":127,"marks":6534,"text":6535},"2bcd62f1e55f",[]," “With the 5 April deadline fast approaching, it is important for those who think they may have not built enough entitlement to receive the full State Pension to check their records now. Those who have a gap of more than 6 years in National Insurance contributions, which may include those who have taken a career break, have worked abroad or had time off for child or elderly care, may want to consider filling these gaps in their record now to ensure they are on track to receive the full State Pension entitlement at retirement.”",[],{"_key":6538,"_type":123,"children":6539,"markDefs":6544,"style":190},"eae9e23e3c4c",[6540],{"_key":6541,"_type":127,"marks":6542,"text":6543},"1a063e7e28fa",[],"He adds; “It’s exceptionally important that people get the support needed to understand all their options when approaching retirement so that they are able to make informed decisions. This includes realising all the options for creating a retirement income such as a workplace pension or any other saving such as an ISA, as well how to find out their state pension entitlement. Many leading companies now provide this support in the workplace through financial education, guidance and investment advice. So, it’s always worth speaking to your employee to see what support they provide.”",[],[6546],{"_createdAt":980,"_id":981,"_rev":982,"_type":377,"_updatedAt":983,"brandSpecific":75,"slug":984,"title":985},{"_id":6548,"blogPostMeta":6549,"content":6571,"tag":6629,"title":6570},"0169394a-bcad-4a81-9fd6-3c3b7538ee3c",{"_type":56,"featuredImage":6550,"featuredVideo":115,"preview":6566,"publishedAt":6567,"slug":6568,"title":6570},{"_type":58,"asset":6551},{"_createdAt":6415,"_id":6416,"_rev":62,"_type":63,"_updatedAt":64,"assetId":6417,"extension":393,"metadata":6552,"mimeType":421,"opt":6562,"originalFilename":6445,"path":6446,"sha1hash":6417,"size":6447,"uploadId":6448,"url":6449},{"_type":68,"blurHash":6419,"dimensions":6553,"hasAlpha":4,"isOpaque":75,"lqip":6421,"palette":6554},{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},{"_type":78,"darkMuted":6555,"darkVibrant":6556,"dominant":6557,"lightMuted":6558,"lightVibrant":6559,"muted":6560,"vibrant":6561},{"_type":80,"background":6424,"foreground":82,"population":6425,"title":82},{"_type":80,"background":6427,"foreground":82,"population":6428,"title":82},{"_type":80,"background":6430,"foreground":82,"population":6431,"title":82},{"_type":80,"background":6433,"foreground":92,"population":1326,"title":82},{"_type":80,"background":6435,"foreground":92,"population":2283,"title":82},{"_type":80,"background":6430,"foreground":82,"population":6431,"title":82},{"_type":80,"background":6438,"foreground":82,"population":6439,"title":82},{"media":6563},{"tags":6564},[6565],{"_key":6444,"_ref":108,"_type":109,"_weak":75},"There is just over a month left to check and fill any gaps in National Insurance (NI) records going back to 2006 to boost State Pension entitlement. As a minimum of 35 years of NI is needed to receive the full State Pension payment, anyone who thinks that they may have any gaps in their records should check their entitlement now so they can consider filling these before 5 April. ","2025-02-26T11:01:00.000Z",{"_type":9,"current":6569},"do-employees-know-to-check-state-pension-entitlement-before-5-april-deadline","Do employees know to check State Pension entitlement before 5 April deadline?",[6572,6579,6587,6595,6603,6611,6621],{"_key":6573,"_type":123,"children":6574,"markDefs":6578,"style":190},"696e628776a0",[6575],{"_key":6576,"_type":127,"marks":6577,"text":6461},"33d6d23dda20",[],[],{"_key":6580,"_type":123,"children":6581,"markDefs":6586,"style":190},"d04888dfc399",[6582],{"_key":6583,"_type":127,"marks":6584,"text":6585},"832b73c9ad83",[],"Currently NI credits can be purchased for those who are employed. The cost of this is £17.45 per week, or £907.40 to plug the gap for a full year in your Each extra complete year of National Insurance purchased will give up to £6.32 more a week (£328.64 a year) in State Pension, before any annual increase.",[],{"_key":6588,"_type":123,"children":6589,"markDefs":6594,"style":190},"d5527e9e4307",[6590],{"_key":6591,"_type":127,"marks":6592,"text":6593},"d36c390bbb21",[],"According to MoneyHelper, the point of making voluntary National Insurance contributions is to pay a small amount now, so you get more State Pension in the long run. For example, you could pay between £15.30 and £907.40 for one extra National Insurance year and get back:",[],{"_key":6596,"_type":123,"children":6597,"markDefs":6602,"style":190},"f9893047afd0",[6598],{"_key":6599,"_type":127,"marks":6600,"text":6601},"62ffd4c0bc1b",[],"• over £1,600 if you lived for another five years, and\n• over £6,500 if you lived another 20 years.",[],{"_key":6604,"_type":123,"children":6605,"markDefs":6610,"style":190},"5bc5f6508250",[6606],{"_key":6607,"_type":127,"marks":6608,"text":6609},"212aabe0d855",[],"It can take a number of years to get back what you pay in, so people should think how long they will expect to get their State Pension for. If someone was to die before reaching State Pension age, they wouldn’t get anything back.\nIndividuals can make an enquiry to find out their entitlement by requesting a State Pension statement using a form called a BR19, which is available online or by calling the government helpline on 0345 3000 168. Alternatively, those who have a Government Gateway account can access these details online.",[],{"_key":6612,"_type":123,"children":6613,"markDefs":6620,"style":190},"9bb2f411e853",[6614,6617],{"_key":6615,"_type":127,"marks":6616,"text":2054},"bdf139e9408d",[197],{"_key":6618,"_type":127,"marks":6619,"text":6535},"145835123d40",[],[],{"_key":6622,"_type":123,"children":6623,"markDefs":6628,"style":190},"ad4dbe3f51af",[6624],{"_key":6625,"_type":127,"marks":6626,"text":6627},"f4fb7fbe7cd1",[],"He adds; “It’s exceptionally important to ensure employees are supported to understand all their options when approaching retirement so that they are able to make informed decisions. This includes helping employees realise all the options for creating a retirement income such as their workplace pension or any other savings such as an ISA, as well how to find out their State Pension entitlement. Many leading companies now deliver this sort of support in the workplace through financial education workshops, one-to-one guidance or coaching sessions, digital tools and helplines, as well as providing access to investment advice.”",[],[6630,6631],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":6632,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":6634,"title":381},{"base":6633},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":6636,"blogPostMeta":6637,"content":6657,"tag":6716,"title":6223},"cfbbd33c-8c6e-4f4f-849e-8c8948389080",{"_type":56,"featuredImage":6638,"featuredVideo":115,"preview":6219,"publishedAt":6654,"slug":6655,"title":6223},{"_type":58,"asset":6639},{"_createdAt":6184,"_id":6185,"_rev":62,"_type":63,"_updatedAt":64,"assetId":6186,"extension":393,"metadata":6640,"mimeType":421,"opt":6650,"originalFilename":6214,"path":6215,"sha1hash":6186,"size":6216,"uploadId":6217,"url":6218},{"_type":68,"blurHash":6188,"dimensions":6641,"hasAlpha":4,"isOpaque":75,"lqip":6190,"palette":6642},{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},{"_type":78,"darkMuted":6643,"darkVibrant":6644,"dominant":6645,"lightMuted":6646,"lightVibrant":6647,"muted":6648,"vibrant":6649},{"_type":80,"background":6193,"foreground":82,"population":6194,"title":82},{"_type":80,"background":6196,"foreground":82,"population":6197,"title":82},{"_type":80,"background":6199,"foreground":92,"population":6200,"title":82},{"_type":80,"background":6202,"foreground":92,"population":880,"title":82},{"_type":80,"background":6199,"foreground":92,"population":6200,"title":82},{"_type":80,"background":6205,"foreground":82,"population":6206,"title":82},{"_type":80,"background":6208,"foreground":92,"population":93,"title":82},{"media":6651},{"tags":6652},[6653],{"_key":6213,"_ref":108,"_type":109,"_weak":75},"2025-02-26T10:59:00.000Z",{"_type":9,"current":6656},"individuals-should-act-fast-to-make-the-most-of-their-isa-allowance",[6658,6665,6673,6680,6687,6694,6701,6708],{"_key":6659,"_type":123,"children":6660,"markDefs":6664,"style":190},"ea0834588070",[6661],{"_key":6662,"_type":127,"marks":6663,"text":6219},"5e2c86876e83",[],[],{"_key":6666,"_type":123,"children":6667,"markDefs":6672,"style":190},"c8f7f618b0a8",[6668],{"_key":6669,"_type":127,"marks":6670,"text":6671},"25a61e422c80",[],"Chancellor Rachel Reeves is also understood to be considering reducing the Cash ISA tax-free allowance by 80% from £20,000 to just £4,000 annually and whilst it’s not confirmed when such a change would be introduced, there is speculation it could be as early as",[],{"_key":6674,"_type":123,"children":6675,"markDefs":6679,"style":190},"34531e26cfa1",[6676],{"_key":6677,"_type":127,"marks":6678,"text":6253},"93fd82ebcd99",[],[],{"_key":6681,"_type":123,"children":6682,"markDefs":6686,"style":190},"81d8ba67e3a5",[6683],{"_key":6684,"_type":127,"marks":6685,"text":4756},"b1c86a6bcc32",[197],[],{"_key":6688,"_type":123,"children":6689,"markDefs":6693,"style":190},"4d37aa3b5e19",[6690],{"_key":6691,"_type":127,"marks":6692,"text":6268},"86f3af0534dd",[],[],{"_key":6695,"_type":123,"children":6696,"markDefs":6700,"style":190},"ab9c7cd77397",[6697],{"_key":6698,"_type":127,"marks":6699,"text":6276},"24fde8348abd",[],[],{"_key":6702,"_type":123,"children":6703,"markDefs":6707,"style":190},"52bd25f86c43",[6704],{"_key":6705,"_type":127,"marks":6706,"text":6284},"eb72f64dcd4e",[],[],{"_key":6709,"_type":123,"children":6710,"markDefs":6715,"style":190},"28d337e9d1dd",[6711],{"_key":6712,"_type":127,"marks":6713,"text":6714},"8e7a9ed6d68b",[],"He comments; “Many employers want to support their employees to build financial resilience for the future, and therefore offer financial education to help with understanding of savings methods, as well as access to savings vehicles like Workplace ISAs that provide a tax efficient way to invest. Whilst we don’t know what potential changes to tax allowances and rates may lay ahead, providing financial wellbeing support in the workplace to help employees improve their financial future can only be a good thing.”",[],[6717,6718],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":6719,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":6721,"title":381},{"base":6720},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":6723,"blogPostMeta":6724,"content":6746,"tag":6828,"title":6745},"b33d96e1-f8f9-4aa6-a8b2-d5ac70e2a66d",{"_type":56,"featuredImage":6725,"featuredVideo":115,"preview":6741,"publishedAt":6742,"slug":6743,"title":6745},{"_type":58,"alt":513,"asset":6726},{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":6727,"mimeType":102,"opt":6737,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":6728,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":6729},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":6730,"darkVibrant":6731,"dominant":6732,"lightMuted":6733,"lightVibrant":6734,"muted":6735,"vibrant":6736},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":6738},{"tags":6739},[6740],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"This week in financial markets, key economic indicators and central bank minutes provided mixed signals, contributing to a cautious tone for global markets.\n","2025-02-24T16:07:00.000Z",{"_type":9,"current":6744},"week-ending-21st-february-2025","Week ending 21st February 2025.",[6747,6750,6758,6765,6773,6781,6789,6797,6805,6813,6821],{"_key":6748,"_type":2605,"height":2606,"url":6749,"width":2608},"e3513bda88b1","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1059693013?h=77e5509e1c",{"_key":6751,"_type":123,"children":6752,"markDefs":6757,"style":190},"abdfff6205b9",[6753],{"_key":6754,"_type":127,"marks":6755,"text":6756},"fec657518974",[],"This week in financial markets, key economic indicators and central bank minutes provided mixed signals, contributing to a cautious tone for global markets.",[],{"_key":6759,"_type":123,"children":6760,"markDefs":6764,"style":190},"02041b198a09",[6761],{"_key":6762,"_type":127,"marks":6763,"text":606},"8c11c6c782c8",[],[],{"_key":6766,"_type":123,"children":6767,"markDefs":6772,"style":190},"5fa455ebd29c",[6768],{"_key":6769,"_type":127,"marks":6770,"text":6771},"fe92b8b88037",[],"US stocks ended the holiday-shortened week lower after an early rally lost momentum. With markets closed on Monday for Presidents’ Day, equities rose on Tuesday and Wednesday, pushing the S&P 500 to record highs. However, losses later in the week erased those gains, dragging major indexes into negative territory.",[],{"_key":6774,"_type":123,"children":6775,"markDefs":6780,"style":190},"af54a77ed7b3",[6776],{"_key":6777,"_type":127,"marks":6778,"text":6779},"c0f867f24d0f",[],"The Federal Reserve’s January meeting minutes offered no major surprises for markets. Policymakers noted a resilient economy but emphasised that progress on inflation is needed before rate cuts can be considered. Despite a strong labour market, high inflation keeps policy tight. The Federal Open Market Committee (FOMC) also highlighted that the risk of rising inflation outweighs concerns about slowing growth, citing potential cost increases from Trump-era tariffs and immigration restrictions. This suggests that the Fed will continue prioritising inflation control.Geopolitical developments and trade policy remained key themes this week. President Trump’s push to resolve the Russia-Ukraine conflict made headlines, while his announcement of potential tariffs on automobiles, pharmaceuticals, and lumber added further uncertainty. Although details were limited, the prospect of new trade barriers dampened investor sentiment. However, as seen with previous tariff proposals, there is still room for negotiations or possible concessions from certain countries.",[],{"_key":6782,"_type":123,"children":6783,"markDefs":6788,"style":190},"b949deb3582e",[6784],{"_key":6785,"_type":127,"marks":6786,"text":6787},"cf44458cea7a",[],"Later in the week, the market faced pressure amid concerns over consumer spending causing major US indices to pull back from near record highs and close the week in negative territory. Walmart’s quarterly earnings report, released on Thursday, exceeded expectations, though its cautious outlook for the year ahead tempered investor sentiment. US business activity showed signs of slowing in February, Composite Purchasing Managers’ Index (PMI) falling to 50.4, its lowest level in 17 months. While the PMI suggests near stagnation, it still indicates modest growth. The services sector dipped into contractionary territory, but manufacturing remained strong. Rising input costs and policy uncertainties were identified as key factors influencing the data, contributing to market jitters towards the end of the week.UK retail sales rebounded in January, rising 1.7%, surpassing expectations. While food stores saw a strong 5.6% increase, sectors like household goods, clothing, and automotive fuel experienced declines, highlighting uneven growth.",[],{"_key":6790,"_type":123,"children":6791,"markDefs":6796,"style":190},"48be17dac3ec",[6792],{"_key":6793,"_type":127,"marks":6794,"text":6795},"19ee58284c6a",[],"UK manufacturing continued to struggle, with the PMI dipping further into contraction due to weaker domestic and overseas sales. The services sector showed some promise, rising to 51.5, indicating modest expansion. However, new business declined as firms faced budget cuts and inflationary pressures, amid payroll tax hikes and higher labour costs. The Bank of England’s recent decision to lower interest rates by 0.25 percentage points for the third time since August reflects its concern over weak growth, but the central bank remains cautious about further cuts, preferring to wait for more clarity on inflation trends.",[],{"_key":6798,"_type":123,"children":6799,"markDefs":6804,"style":190},"116635f6b9da",[6800],{"_key":6801,"_type":127,"marks":6802,"text":6803},"33bb12b7dcf7",[],"Asian markets saw positive momentum, with Hong Kong’s Hang Seng Index climbing 2.98% to its highest level since February 2022, driven by strong investor sentiment. A key catalyst was better-than-expected earnings from tech companies, particularly Alibaba, whose shares surged 12.9% after reporting a significant profit increase for the December quarter. Sentiment was further boosted by a high-profile meeting between President Xi and leading tech entrepreneurs, alongside a more supportive government stance towards the private sector.",[],{"_key":6806,"_type":123,"children":6807,"markDefs":6812,"style":190},"46c11f33c961",[6808],{"_key":6809,"_type":127,"marks":6810,"text":6811},"99548d63cd3e",[],"European markets had a relatively strong week, driven by cautious optimism as investors monitored US trade policy developments and efforts to resolve the Russia-Ukraine conflict. Major stock indexes showed mixed results, with Germany’s DAX dropping 1.00% ahead of Sunday’s federal election. Germany’s conservative Christian Democrats (CDU) and the Christian Social Union (CSU) emerged victorious in the country’s federal elections. Meanwhile, the far-right Alternative for Germany (AfD) achieved its best-ever result, and Chancellor Olaf Scholz’s party suffered a significant defeat.",[],{"_key":6814,"_type":123,"children":6815,"markDefs":6820,"style":190},"857fd73612e4",[6816],{"_key":6817,"_type":127,"marks":6818,"text":6819},"3465418e6a14",[],"Looking ahead, this week will feature US durable goods orders and the core PCE, the Federal Reserve’s preferred measure of inflation, as well as Eurozone economic sentiment and Japanese industrial production and retail sales.",[],{"_key":6822,"_type":123,"children":6823,"markDefs":6827,"style":190},"fe3b1019ca95",[6824],{"_key":6825,"_type":127,"marks":6826,"text":3026},"7e4e21cf81eb",[197],[],[6829],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":6830,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":6832,"title":3039},{"base":6831},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":6834,"blogPostMeta":6835,"content":6879,"tag":7020,"title":6878},"955f2284-ce18-4321-9254-99d85092664b",{"_type":56,"featuredImage":6836,"featuredVideo":115,"preview":6874,"publishedAt":6875,"slug":6876,"title":6878},{"_type":58,"alt":513,"asset":6837},{"_createdAt":6838,"_id":6839,"_rev":62,"_type":63,"_updatedAt":64,"assetId":6840,"extension":393,"metadata":6841,"mimeType":421,"opt":6864,"originalFilename":6869,"path":6870,"sha1hash":6840,"size":6871,"uploadId":6872,"url":6873},"2025-03-26T10:35:54Z","image-898be24f3b4a0ac35d07c42ec55fefcf390a5b42-1000x667-jpg","898be24f3b4a0ac35d07c42ec55fefcf390a5b42",{"_type":68,"blurHash":6842,"dimensions":6843,"hasAlpha":4,"isOpaque":75,"lqip":6844,"palette":6845},"VEG[$g009t~qH?4m?Hbc9F-;-V-pIARPIVpIMxROxuNb",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwABAQEBAAAAAAAAAAAAAAAABgACB\u002F\u002FEACQQAAEDBAEDBQAAAAAAAAAAAAIBAwQABRESBgcUISIxQVGh\u002F8QAFQEBAQAAAAAAAAAAAAAAAAAAAgP\u002FxAAYEQADAQEAAAAAAAAAAAAAAAAAAQIRE\u002F\u002FaAAwDAQACEQMRAD8ALyptwsUkYoXFoHddtU91pfb25N0RpHpb77SAJPAg5VM0ei9Oxekd2\u002Fd5DrqNISKbaLj9rp\u002FSoBiDdpJCLjzjggq4wmET6oUpWDhVjCztntrRa9keMZ9Seaqxy64yy5BLUXiFNvAp8VVLoh8aZ\u002F\u002FZ",{"_type":78,"darkMuted":6846,"darkVibrant":6849,"dominant":6851,"lightMuted":6852,"lightVibrant":6855,"muted":6858,"vibrant":6861},{"_type":80,"background":6847,"foreground":82,"population":6848,"title":82},"#344756",4.64,{"_type":80,"background":6850,"foreground":82,"population":482,"title":82},"#6b3619",{"_type":80,"background":6847,"foreground":82,"population":6848,"title":82},{"_type":80,"background":6853,"foreground":92,"population":6854,"title":92},"#dac8be",0.81,{"_type":80,"background":6856,"foreground":92,"population":6857,"title":82},"#e4bfa9",1.6,{"_type":80,"background":6859,"foreground":82,"population":6860,"title":82},"#8b7b6d",4.56,{"_type":80,"background":6862,"foreground":92,"population":6863,"title":82},"#e0a07d",0.75,{"media":6865},{"tags":6866},[6867],{"_key":6868,"_ref":108,"_type":109,"_weak":75},"34cZUUb9lknBmQlWZT1jt","shutterstock_2457080347.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F898be24f3b4a0ac35d07c42ec55fefcf390a5b42-1000x667.jpg",331184,"0jKtrVuDCBX9z57GqQVoQ7MwtPQvCYGc","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F898be24f3b4a0ac35d07c42ec55fefcf390a5b42-1000x667.jpg","According to CIPDs Labour Market Outlook, one in four (25%) employers are planning to make redundancies in the three months to March 2025, another record high outside of 2020.","2025-02-21T16:07:00.000Z",{"_type":9,"current":6877},"key-areas-to-consider-for-those-facing-redundancy","Key areas to consider for those facing redundancy.",[6880,6887,6894,6902,6914,6926,6938,6950,6962,6974,6986,6998,7009],{"_key":6881,"_type":123,"children":6882,"markDefs":6886,"style":190},"eb889b2db1ab",[6883],{"_key":6884,"_type":127,"marks":6885,"text":6874},"678bee73be28",[],[],{"_key":6888,"_type":123,"children":6889,"markDefs":6893,"style":190},"91634af3c30c",[6890],{"_key":6891,"_type":127,"marks":6892,"text":606},"c262825a18ec",[],[],{"_key":6895,"_type":123,"children":6896,"markDefs":6901,"style":190},"b6ecae6ecb39",[6897],{"_key":6898,"_type":127,"marks":6899,"text":6900},"6248326729cd",[],"Facing redundancy can be an intimidating time, therefore it is important people are aware of their rights and have a clear overview of their finances. WEALTH at work have provided an overview of some of the key areas that people will need to understand if they are made redundant.",[],{"_key":6903,"_type":123,"children":6904,"markDefs":6913,"style":190},"258c1dc68768",[6905,6909],{"_key":6906,"_type":127,"marks":6907,"text":6908},"fc9d8ebc5cbb",[197],"1. Redundancy Entitlement",{"_key":6910,"_type":127,"marks":6911,"text":6912},"0c3cb19e969d",[]," – When someone is made redundant, they may be entitled to redundancy pay. Redundancy packages are not set in stone, they vary according to the company but are also based on age, length of employment, and job role. For those who have been in the same job for at least two years, their employer is usually legally required to pay them ‘Statutory redundancy pay’ but this also depends on an employee’s contract as they may be entitled to more. There are also plenty of online resources such as GOV.UK or Money Helper which can help employees to understand their rights.",[],{"_key":6915,"_type":123,"children":6916,"markDefs":6925,"style":190},"6cb4e03e241b",[6917,6921],{"_key":6918,"_type":127,"marks":6919,"text":6920},"b4ed4b08a538",[197],"2. Taxation on redundancy payment",{"_key":6922,"_type":127,"marks":6923,"text":6924},"4927080608c5",[]," – It is important that people understand how much they will actually receive once tax has been paid. Usually, the first £30k is tax free, with anything over this being added to their income and charged at the marginal rate. Please note, employee National Insurance is not deducted from a redundancy payment. For example, someone who has an annual salary of £36k, has earned £15k so far this tax year and is offered £50k redundancy would owe £4,000 in tax on their redundancy pay. This is because the first £30k of their redundancy pay is tax free but the remaining £20k is taxable. As they have earned £15k so far this year, even with the £20k added to this, they are still within the basic rate tax band, so tax of £4,000 is due on the redundancy pay (20% of £20k). Please note, individuals could end up in a higher rate tax bracket, depending on their income and redundancy pay.",[],{"_key":6927,"_type":123,"children":6928,"markDefs":6937,"style":190},"80af5734b4f9",[6929,6933],{"_key":6930,"_type":127,"marks":6931,"text":6932},"e8abbddcf0c2",[197],"3. Review financial position and budget",{"_key":6934,"_type":127,"marks":6935,"text":6936},"4ae5572acc3c",[]," – It is important for people to work out what assets they have, pensions, savings, ISAs, property and investments, and what liabilities they have e.g. a mortgage, debt, childcare, insurance and utility bills. Then look at any other household income and expenses. If the amount of money they need each month is more than the amount they have coming in, they can then work out what action they need to take to cover their costs. Money Helper has a great budget planner: Budget Planner | Free online budget planning tool | MoneyHelper",[],{"_key":6939,"_type":123,"children":6940,"markDefs":6949,"style":190},"9c8db20569c9",[6941,6945],{"_key":6942,"_type":127,"marks":6943,"text":6944},"22fff6dc4b54",[197],"4. Debt repayment",{"_key":6946,"_type":127,"marks":6947,"text":6948},"f67ba42f7723",[]," – For those who can afford to, it might be worth using some of their redundancy payment to pay off any expensive debts they may have. There are many different types of debt with varying rates of interest. Credit cards can have rates of 17 – 20%, with payday loans typically having rates of 1,250% . For example, a debt of £3,000 with a rate of 18% APR , could take 10 years and 10 months to pay off if paying £52 a month, with total interest of £3,836 paid. If that monthly payment was increased to £100 a month, the debt would be paid off in 3 years and 4 months, and interest paid would be only £1,011. If this was increased to £325 a month, the debt would be paid in 10 months, with total interest of £253 paid.",[],{"_key":6951,"_type":123,"children":6952,"markDefs":6961,"style":190},"b29eb39882ce",[6953,6957],{"_key":6954,"_type":127,"marks":6955,"text":6956},"36017b27831a",[197],"5. Mortgage overpayment",{"_key":6958,"_type":127,"marks":6959,"text":6960},"15f5fb1b939d",[]," – Mortgage interest rates tend to be significantly lower than other debts and can include payment holidays for those who are made redundant. However, if they don’t have other debts, employees may want to consider overpaying on their mortgage.",[],{"_key":6963,"_type":123,"children":6964,"markDefs":6973,"style":190},"54b33f1b07be",[6965,6969],{"_key":6966,"_type":127,"marks":6967,"text":6968},"2de21e442145",[197],"6. Is retirement a possibility?",{"_key":6970,"_type":127,"marks":6971,"text":6972},"e8859e0ecaeb",[]," – For those nearing retirement age, they may consider the idea of retiring early. Depending on their circumstances, this may be more achievable than they think. An individual could use their redundancy payment or pension tax free cash to pay off any outstanding loans and mortgages, and as a result, they may be able to maintain their standard of living. For example, someone earning £30,000 per year, once they have paid income tax (£3,006), National Insurance (£1,202), pension contributions via salary sacrifice (£2,400), mortgage (£6,000) and loans (£2,400), may end up with a disposable annual income of around £14,992. Often when people realise that they may only need a retirement income of less than half of their salary to maintain their standard of living, it can make retirement a more realistic option.",[],{"_key":6975,"_type":123,"children":6976,"markDefs":6985,"style":190},"684ee9697f31",[6977,6981],{"_key":6978,"_type":127,"marks":6979,"text":6980},"606a01e0470f",[197],"7. What happens to someone’s workplace pension?",{"_key":6982,"_type":127,"marks":6983,"text":6984},"ebc678417cae",[]," It is fine for pensions to be kept with a previous employer as it will remain invested and safe until retirement. Some people prefer to move their pension to their new workplace pension scheme, or a private pension. There are benefits to this in that all pensions are kept together in one place, however, there can be a cost when transferring a pension; investment charges are not all the same and the range of investment options varies between schemes. It is important to make sure these things are checked before moving a pension.",[],{"_key":6987,"_type":123,"children":6988,"markDefs":6997,"style":190},"7464746c78f8",[6989,6993],{"_key":6990,"_type":127,"marks":6991,"text":6992},"3b4c6a08d608",[197],"8. Paying more into a pension",{"_key":6994,"_type":127,"marks":6995,"text":6996},"f7a716665b47",[]," – For those people who can afford to do so, it may be worth considering paying some of their redundancy payment into their pension to boost their retirement savings. There are limits on the tax relief that can be received from pension contributions each year, so it will be important to check these carefully first. For those approaching retirement, this may be a particularly attractive way of providing a final boost to the value of their pension pot.",[],{"_key":6999,"_type":123,"children":7000,"markDefs":7008,"style":190},"c3a913ade7a4",[7001,7004],{"_key":7002,"_type":127,"marks":7003,"text":1476},"ed3623480007",[197],{"_key":7005,"_type":127,"marks":7006,"text":7007},"7ab32bf6fe0a",[]," – Unfortunately, there are some really unscrupulous people in the world, who won’t think twice about scamming someone out of their redundancy pay. For people who are looking for somewhere to keep their redundancy pay beyond just their current account, it is important to do research. Before handing over any money, always check that the firm is regulated by the Financial Conduct Authority (FCA).",[],{"_key":7010,"_type":123,"children":7011,"markDefs":7019,"style":190},"ebd6d50854a4",[7012,7015],{"_key":7013,"_type":127,"marks":7014,"text":4756},"0086c5d3e78b",[197],{"_key":7016,"_type":127,"marks":7017,"text":7018},"d70f7252d533",[],"\n“People facing redundancy need support to make the most of their finances at what can be a really challenging time. It’s important that they understand how much they will actually receive from their redundancy pay after tax, and it is crucial that they are helped to understand how to manage their finances such as how to budget, manage debt or cut down their spending and bills so they can make it last if they don’t get a new job quickly. For those approaching retirement, it may even help them afford retirement when perhaps they thought it wasn’t a possibility. It’s encouraging that many leading companies already have in place or are putting in place redundancy support for employees to help them navigate these issues at a very difficult time.”",[],[7021,7022],{"_createdAt":980,"_id":981,"_rev":982,"_type":377,"_updatedAt":983,"brandSpecific":75,"slug":984,"title":985},{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":7023,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":7025,"title":3039},{"base":7024},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":7027,"blogPostMeta":7028,"content":7049,"tag":7179,"title":7048},"f4c4e827-0769-4155-834c-70d80c56ecc1",{"_type":56,"featuredImage":7029,"featuredVideo":115,"preview":6874,"publishedAt":7045,"slug":7046,"title":7048},{"_type":58,"asset":7030},{"_createdAt":6838,"_id":6839,"_rev":62,"_type":63,"_updatedAt":64,"assetId":6840,"extension":393,"metadata":7031,"mimeType":421,"opt":7041,"originalFilename":6869,"path":6870,"sha1hash":6840,"size":6871,"uploadId":6872,"url":6873},{"_type":68,"blurHash":6842,"dimensions":7032,"hasAlpha":4,"isOpaque":75,"lqip":6844,"palette":7033},{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},{"_type":78,"darkMuted":7034,"darkVibrant":7035,"dominant":7036,"lightMuted":7037,"lightVibrant":7038,"muted":7039,"vibrant":7040},{"_type":80,"background":6847,"foreground":82,"population":6848,"title":82},{"_type":80,"background":6850,"foreground":82,"population":482,"title":82},{"_type":80,"background":6847,"foreground":82,"population":6848,"title":82},{"_type":80,"background":6853,"foreground":92,"population":6854,"title":92},{"_type":80,"background":6856,"foreground":92,"population":6857,"title":82},{"_type":80,"background":6859,"foreground":82,"population":6860,"title":82},{"_type":80,"background":6862,"foreground":92,"population":6863,"title":82},{"media":7042},{"tags":7043},[7044],{"_key":6868,"_ref":108,"_type":109,"_weak":75},"2025-02-19T10:58:00.000Z",{"_type":9,"current":7047},"how-to-support-employees-facing-redundancy","How to support employees facing redundancy.",[7050,7058,7066,7076,7086,7096,7107,7119,7129,7139,7150,7160,7171],{"_key":7051,"_type":123,"children":7052,"markDefs":7057,"style":190},"cfcdd8b471e3",[7053],{"_key":7054,"_type":127,"marks":7055,"text":7056},"1e0dce317222",[],"According to CIPDs Labour Market Outlook, one in four (25%) employers are planning to make redundancies in the three months to March 2025, another record high outside of 2020 .",[],{"_key":7059,"_type":123,"children":7060,"markDefs":7065,"style":190},"f439b0644cce",[7061],{"_key":7062,"_type":127,"marks":7063,"text":7064},"ee68855d7fb4",[],"Facing redundancy can be an intimidating time, therefore it is important employees are aware of their rights and have a clear overview of their finances. WEALTH at work have provided an overview of some of the key areas that employees will need to understand if they are made redundant.",[],{"_key":7067,"_type":123,"children":7068,"markDefs":7075,"style":190},"ba93f171c19c",[7069,7072],{"_key":7070,"_type":127,"marks":7071,"text":6908},"20768620b57f",[197],{"_key":7073,"_type":127,"marks":7074,"text":6912},"5783ebeb7876",[],[],{"_key":7077,"_type":123,"children":7078,"markDefs":7085,"style":190},"7daa5426dc9c",[7079,7082],{"_key":7080,"_type":127,"marks":7081,"text":6920},"2962b279bb4d",[197],{"_key":7083,"_type":127,"marks":7084,"text":6924},"be9289ddc0a2",[],[],{"_key":7087,"_type":123,"children":7088,"markDefs":7095,"style":190},"202fb83f7ed5",[7089,7092],{"_key":7090,"_type":127,"marks":7091,"text":6932},"704baa52f417",[197],{"_key":7093,"_type":127,"marks":7094,"text":6936},"d30063d65594",[],[],{"_key":7097,"_type":123,"children":7098,"markDefs":7106,"style":190},"19eca38e7e91",[7099,7102],{"_key":7100,"_type":127,"marks":7101,"text":6944},"8adb8506091b",[197],{"_key":7103,"_type":127,"marks":7104,"text":7105},"e0df219740ac",[]," – For those who can afford to, it might be worth using some of their redundancy payment to pay off any expensive debts they may have. There are many different types of debt with varying rates of interest. Credit cards can have rates of 17 – 20%, with payday loans typically having rates of 1,250% .For example, a debt of £3,000 with a rate of 18% APR , could take 10 years and 10 months to pay off if paying £52 a month, with total interest of £3,836 paid. If that monthly payment was increased to £100 a month, the debt would be paid off in 3 years and 4 months, and interest paid would be only £1,011. If this was increased to £325 a month, the debt would be paid in 10 months, with total interest of £253 paid.",[],{"_key":7108,"_type":123,"children":7109,"markDefs":7118,"style":190},"df11a87ee8a1",[7110,7114],{"_key":7111,"_type":127,"marks":7112,"text":7113},"9dd16dbd3148",[197],"5. Mortgage overpayment –",{"_key":7115,"_type":127,"marks":7116,"text":7117},"954fb96ab8ba",[]," Mortgage interest rates tend to be significantly lower than other debts and can include payment holidays for those who are made redundant. However, if they don’t have other debts, employees may want to consider overpaying on their mortgage.",[],{"_key":7120,"_type":123,"children":7121,"markDefs":7128,"style":190},"d06c6d1c3bf8",[7122,7125],{"_key":7123,"_type":127,"marks":7124,"text":6968},"9195c98310b9",[197],{"_key":7126,"_type":127,"marks":7127,"text":6972},"a813df5cd2bc",[],[],{"_key":7130,"_type":123,"children":7131,"markDefs":7138,"style":190},"6efb555bc89e",[7132,7135],{"_key":7133,"_type":127,"marks":7134,"text":6980},"04a277edb67d",[197],{"_key":7136,"_type":127,"marks":7137,"text":6984},"199263b59dbe",[],[],{"_key":7140,"_type":123,"children":7141,"markDefs":7149,"style":190},"3ff2e689f04d",[7142,7145],{"_key":7143,"_type":127,"marks":7144,"text":6992},"9fbc5034e321",[197],{"_key":7146,"_type":127,"marks":7147,"text":7148},"6d1b409111d4",[]," – For employees who can afford to do so, it may be worth considering paying some of their redundancy payment into their pension to boost their retirement savings. There are limits on the tax relief that can be received from pension contributions each year, so it will be important to check these carefully first. For those approaching retirement, this may be a particularly attractive way of providing a final boost to the value of their pension pot.",[],{"_key":7151,"_type":123,"children":7152,"markDefs":7159,"style":190},"a2139977df03",[7153,7156],{"_key":7154,"_type":127,"marks":7155,"text":1476},"964e22b30e5e",[197],{"_key":7157,"_type":127,"marks":7158,"text":7007},"abe2303fa705",[],[],{"_key":7161,"_type":123,"children":7162,"markDefs":7170,"style":190},"8f5845b7ae7d",[7163,7166],{"_key":7164,"_type":127,"marks":7165,"text":4756},"06208cd24f80",[197],{"_key":7167,"_type":127,"marks":7168,"text":7169},"73f875dd96e0",[]," “For organisations that are making redundancies, it’s really important that the workforce receive the appropriate support so they understand how it will impact their finances. It can be a really difficult time and it is crucial that they get help around areas such as how to budget, manage debt and cut down on spending and bills. Employees will also need to understand how much they will actually receive from their redundancy pay after tax, how to make it last if they don’t get a new job quickly, or how it could help them afford retirement when perhaps they thought it wasn’t a possibility.”",[],{"_key":7172,"_type":123,"children":7173,"markDefs":7178,"style":190},"7e41c230d972",[7174],{"_key":7175,"_type":127,"marks":7176,"text":7177},"06cb4841034c",[],"He adds; “People need help when they are told they are losing their job, and it’s encouraging that many leading companies already have redundancy support programmes in place and providing financial education, guidance and investment advice for their staff to help them navigate these issues at a time when financial wellbeing is so important.”",[],[7180,7181],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":7182,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":7184,"title":381},{"base":7183},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":7186,"blogPostMeta":7187,"content":7210,"tag":7273,"title":7209},"f7a02f9d-55c1-4ecd-8984-eea118001867",{"_type":56,"featuredImage":7188,"featuredVideo":115,"preview":7205,"publishedAt":7206,"slug":7207,"title":7209},{"_type":58,"alt":7189,"asset":7190},"market update",{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":7191,"mimeType":102,"opt":7201,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":7192,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":7193},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":7194,"darkVibrant":7195,"dominant":7196,"lightMuted":7197,"lightVibrant":7198,"muted":7199,"vibrant":7200},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":7202},{"tags":7203},[7204],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"This week, the spotlight was on Ukraine-Russia peace talks, as US and Russian officials met in Saudi Arabia. The US administration said it would hold direct talks with Russian President Vladimir Putin to end the war, excluding Kyiv from any discussion and allowing Russia to keep any Ukrainian land it had seized. ","2025-02-19T10:39:00.000Z",{"_type":9,"current":7208},"market-update-19th-february-2025","Market Update – 19th February 2025.",[7211,7219,7226,7234,7242,7250,7258,7266],{"_key":7212,"_type":123,"children":7213,"markDefs":7218,"style":190},"444daecfbcee",[7214],{"_key":7215,"_type":127,"marks":7216,"text":7217},"84e9ebc1f735",[],"This week, the spotlight was on Ukraine-Russia peace talks, as US and Russian officials met in Saudi Arabia. The US administration said it would hold direct talks with Russian President Vladimir Putin to end the war, excluding Kyiv from any discussion and allowing Russia to keep any Ukrainian land it had seized. President Trump has also mentioned that the U.S. is interested in securing 50% of Ukraine’s rare earth minerals. Investors are closely monitoring these US-led negotiations, particularly given the current absence of EU and Ukrainian representatives from the discussions.",[],{"_key":7220,"_type":123,"children":7221,"markDefs":7225,"style":190},"9d32f00eb196",[7222],{"_key":7223,"_type":127,"marks":7224,"text":606},"18b55c0c8e1a",[],[],{"_key":7227,"_type":123,"children":7228,"markDefs":7233,"style":190},"38da94b32fde",[7229],{"_key":7230,"_type":127,"marks":7231,"text":7232},"529f1a70d5d3",[],"The week began with subdued trading, as US markets were closed for Presidents’ Day on Monday. In contrast, UK and European stocks saw modest gains, driven by a surge in defence sector stocks. Arms manufacturers saw notable increases following Trump’s calls for NATO members to significantly boost military spending.",[],{"_key":7235,"_type":123,"children":7236,"markDefs":7241,"style":190},"7022f0df354f",[7237],{"_key":7238,"_type":127,"marks":7239,"text":7240},"570fb75157a7",[],"UK CPI data for January showed an unexpected rise in inflation to 3%, driven mainly by higher transport and food prices. Core inflation, which excludes energy and food, also increased to 3.7% from 3.2% in December. Earlier this month, weak growth and easing inflation led the Bank of England to cut interest rates to 4.5%, with more reductions expected. However, the Bank warned that rising global energy costs and regulated price changes could push headline inflation to 3.7% by Q3 2025.UK job data released on Tuesday also revealed that the unemployment rate remained steady at 4.4% for the period from October to December 2024, surpassing expectations for an increase to 4.5%. The data also showed that wage growth remains strong. Average earnings, including bonuses, rose by 6% year-on-year, up from 5.5% in November. Pay growth, excluding bonuses, marked its third consecutive increase, driven by gains in both the private and public sectors.",[],{"_key":7243,"_type":123,"children":7244,"markDefs":7249,"style":190},"888a0bd0ad88",[7245],{"_key":7246,"_type":127,"marks":7247,"text":7248},"fd3d354dab07",[],"While the UK labour market showed more resilience than anticipated over the Christmas period, with lower-than-expected unemployment and rising wages, there are concerns that this could be a final seasonal boost before tougher times ahead. With rising living wages and a hike in employers’ national insurance contributions, many large employers have indicated they may look to trim labour costs before the tax hikes in April.",[],{"_key":7251,"_type":123,"children":7252,"markDefs":7257,"style":190},"efbf1dc60c31",[7253],{"_key":7254,"_type":127,"marks":7255,"text":7256},"034e4aa4f861",[],"Japan’s exports grew 7.2% year-on-year in January, up from 2.8% in December but slightly below the 7.7% market forecast. The US was a key driver, with shipments to the world’s largest economy rising 8.1%, likely due to businesses front-loading orders ahead of potential US tariff measures under Trump’s trade policies. Meanwhile, imports surged 16.7%, far exceeding both December’s 1.7% gain and the 9.3% market consensus, reflecting stronger domestic demand and rising global costs.",[],{"_key":7259,"_type":123,"children":7260,"markDefs":7265,"style":190},"c74d76d3906e",[7261],{"_key":7262,"_type":127,"marks":7263,"text":7264},"ba528a45a8bc",[],"Still to come this week we have the FOMC meeting minutes, Eurozone consumer confidence, Japan’s CPI and UK retail sales.",[],{"_key":7267,"_type":123,"children":7268,"markDefs":7272,"style":190},"b66c5805dd9a",[7269],{"_key":7270,"_type":127,"marks":7271,"text":2546},"30cf02a9b24c",[197],[],[7274],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":7276,"blogPostMeta":7277,"content":7317,"tag":7590,"title":7316},"8a716bf0-2aee-46bf-83b3-8afbb3eb7414",{"_type":56,"featuredImage":7278,"featuredVideo":115,"preview":7312,"publishedAt":7313,"slug":7314,"title":7316},{"_type":58,"alt":7279,"asset":7280},"market 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Trump’s Presidential victory heralded the return of headline risk thanks to his off-the-cuff comments – nor has he changed his love of tariffs, or his method of communicating them (social media), which unfortunately has added unnecessary volatility to global financial markets over the valuation period (5 October 2024 to 5 January 2025).","2025-02-18T10:41:00.000Z",{"_type":9,"current":7315},"market-overview-5th-october-2024-5th-january-2025.","Market Overview – 5th October 2024 – 5th January 2025.",[7318,7326,7333,7341,7349,7357,7365,7373,7381,7389,7397,7405,7413,7421,7429,7437,7445,7453,7471,7479,7487,7495,7503,7511,7519,7527,7535,7543,7551,7559,7567,7575,7582],{"_key":7319,"_type":123,"children":7320,"markDefs":7325,"style":190},"50b8c6d4f377",[7321],{"_key":7322,"_type":127,"marks":7323,"text":7324},"5a08e57dd0dc",[],"And so, it begins!",[],{"_key":7327,"_type":123,"children":7328,"markDefs":7332,"style":190},"a07bf5b18279",[7329],{"_key":7330,"_type":127,"marks":7331,"text":7312},"a5e571d77d5d",[],[],{"_key":7334,"_type":123,"children":7335,"markDefs":7340,"style":190},"4d6d0d5fb5c3",[7336],{"_key":7337,"_type":127,"marks":7338,"text":7339},"3407e4760205",[],"However, we believe that, as we saw in his first Presidency, his bark will be worse than his bite with the threat of tariffs only being used as a negotiating tool rather than being implemented at the levels he has indicated (60% on Chinese imports and 20% on everyone else).",[],{"_key":7342,"_type":123,"children":7343,"markDefs":7348,"style":190},"700f8c00a091",[7344],{"_key":7345,"_type":127,"marks":7346,"text":7347},"9396f0d66e42",[],"Additionally, as he likes to remind everybody about the strength of both the US economy and the US equity market, and how low inflation was during his first term, an aggressive trade war would prevent a repeat of this.",[],{"_key":7350,"_type":123,"children":7351,"markDefs":7356,"style":190},"b47b94bda88b",[7352],{"_key":7353,"_type":127,"marks":7354,"text":7355},"8141f646ef53",[],"This is because tariffs he is proposing are effectively an inflationary tax on US imports, which could slow US economic growth as higher import costs will reduce consumer spending power (especially if the US central bank, the Fed, increases interest rates to ensure that this inflation doesn’t become embedded); and is likely to dampen business confidence and capital expenditure.",[],{"_key":7358,"_type":123,"children":7359,"markDefs":7364,"style":190},"b6a76c321421",[7360],{"_key":7361,"_type":127,"marks":7362,"text":7363},"c9a28bb54c81",[],"That isn’t saying we don’t believe tariffs won’t be imposed, just that we don’t believe they will be imposed at the debilitating rates he has proposed, as moderate tariff rates are unlikely to have a significant impact on economic growth.",[],{"_key":7366,"_type":123,"children":7367,"markDefs":7372,"style":190},"14e910b43463",[7368],{"_key":7369,"_type":127,"marks":7370,"text":7371},"c62d98750c80",[],"It hasn’t just been Donald Trump that has been exhausting to follow.",[],{"_key":7374,"_type":123,"children":7375,"markDefs":7380,"style":190},"4d178b0b4fb4",[7376],{"_key":7377,"_type":127,"marks":7378,"text":7379},"86ff3420ab71",[],"Out of nowhere, South Korea’s President Yoon Suk Yeol, declared martial law. Although this was later rescinded and the President was impeached, the fact that this happened to a country that is not just home to companies such as Samsung and Hyundai, it also has around 24,000 US military personnel stationed there!",[],{"_key":7382,"_type":123,"children":7383,"markDefs":7388,"style":190},"f952758fbedd",[7384],{"_key":7385,"_type":127,"marks":7386,"text":7387},"36c64d338ce7",[],"Similarly, the dramatic collapse of the Assad regime in Syria highlights how fluid the geopolitical landscape remains.",[],{"_key":7390,"_type":123,"children":7391,"markDefs":7396,"style":190},"68c869953e81",[7392],{"_key":7393,"_type":127,"marks":7394,"text":7395},"1add9a77d74f",[],"The French government also collapsed last month – but thankfully, while the high drama optics were fascinating, the financial implications were limited.",[],{"_key":7398,"_type":123,"children":7399,"markDefs":7404,"style":190},"d4749c566ed5",[7400],{"_key":7401,"_type":127,"marks":7402,"text":7403},"f38366e13fd4",[],"However, that has not been the case in the UK. As we indicated in our last valuation commentary, numbers 10 & 11 Downing Street talked the UK economy into a contraction with their constant downbeat, black-hole rhetoric as Gross Domestic Product (GDP) readings for both September and October 2024 were -0.1%.",[],{"_key":7406,"_type":123,"children":7407,"markDefs":7412,"style":190},"4f0ab19a3c4f",[7408],{"_key":7409,"_type":127,"marks":7410,"text":7411},"01614be34366",[],"Unfortunately, these GDP readings could deteriorate further after Chancellor Rachel Reeves’ Autumn Statement raised taxes by £40bn and increased spending by £70bn, with the shortfall being funded by increased government borrowing (via the issue of gilts).",[],{"_key":7414,"_type":123,"children":7415,"markDefs":7420,"style":190},"62563899d530",[7416],{"_key":7417,"_type":127,"marks":7418,"text":7419},"8e3732bdeb8d",[],"With these tax increases predominately coming from higher employer National Insurance contributions, we are likely to see higher inflation (as companies pass these higher costs back to us by way of higher prices – which in turn could delay UK interest rate cuts) and higher unemployment (and thus slow economic growth) as companies make redundancies.",[],{"_key":7422,"_type":123,"children":7423,"markDefs":7428,"style":190},"7687cabb0391",[7424],{"_key":7425,"_type":127,"marks":7426,"text":7427},"4aaf2bfc2e08",[],"However, of greater concern to us is the level of gilt issuance needed by the government, coupled with the fact that gilt yields have risen sharply since the Autumn Statement. Even though Rachel Reeves relaxed the rules on UK borrowing to provide more fiscal headroom, as gilt yields have risen, gilt prices (which move inversely to the yield) have fallen – and consequently her fiscal rules could potentially be breached resulting in further tax increases and\u002For cuts in government spending.",[],{"_key":7430,"_type":123,"children":7431,"markDefs":7436,"style":190},"f7ccb35c72e5",[7432],{"_key":7433,"_type":127,"marks":7434,"text":7435},"5c763f08769b",[],"Furthermore, as the gilt yields impact the cost of other lending products, we could see the cost of mortgages increase and the economy contract further just as we did in 2022 following Liz Truss’ mini budget.",[],{"_key":7438,"_type":123,"children":7439,"markDefs":7444,"style":190},"127531d3fdf2",[7440],{"_key":7441,"_type":127,"marks":7442,"text":7443},"6a34f0d8b493",[],"On a positive note, this has resulted in a weaker pound. For example, since the Autumn Statement the pound has fallen from $1.30 to $1.24 against the US dollar – and what is bad for the pound is good for the FTSE-100. This is because around two-thirds of the FTSE-100’s total revenue is derived from abroad, and so a weak pound increases returns for exporters and the value of overseas earnings. Consequently, despite the fiscal uncertainties, the FTSE-100 has held-up reasonably well over the valuation period (down 0.68%), versus South Korea (martial law) which fell 4.97% over the same period; France (political uncertainty) -3.44%; and China (potentially the biggest casualty from tariffs) which dropped 11.3%.",[],{"_key":7446,"_type":123,"children":7447,"markDefs":7452,"style":190},"73c51e2aa769",[7448],{"_key":7449,"_type":127,"marks":7450,"text":7451},"f064d9cc79de",[],"In summary, while we remain optimistic on the outlook for financial markets in 2025 given the macro environment, it is very unlikely to be a tranquil year.",[],{"_key":7454,"_type":123,"children":7455,"markDefs":7468,"style":190},"75379a5e5a4c",[7456,7460,7465],{"_key":7457,"_type":127,"marks":7458,"text":7459},"929b20095adc",[],"As such please make sure you are subscribed to receive our regular Market Summary emails and videos, which keep clients up to date with our thoughts and views. If you don’t already receive these, please visit ",{"_key":7461,"_type":127,"marks":7462,"text":7464},"3c2ce82109fb",[7463],"ce1f9717028d","www.wealthatwork.co.uk\u002Fmywealth\u002Fsign-up",{"_key":7466,"_type":127,"marks":7467,"text":225},"e3e444b1e6eb",[],[7469],{"_key":7463,"_type":228,"href":7470},"https:\u002F\u002Fwww.wealthatwork.co.uk\u002Fmywealth\u002Fsign-up\u002F",{"_key":7472,"_type":123,"children":7473,"markDefs":7478,"style":190},"8eba252dfde1",[7474],{"_key":7475,"_type":127,"marks":7476,"text":7477},"64bfdd33e4dc",[197],"Income Element",[],{"_key":7480,"_type":123,"children":7481,"markDefs":7486,"style":190},"f606578b985d",[7482],{"_key":7483,"_type":127,"marks":7484,"text":7485},"766ea24828db",[],"Gilts, which is debt issued by the UK government, are seen as lower risk to corporate bonds (which is debt issued by companies) – and so as gilt yields have risen, so too have corporate bond yields.",[],{"_key":7488,"_type":123,"children":7489,"markDefs":7494,"style":190},"e53ad454be1e",[7490],{"_key":7491,"_type":127,"marks":7492,"text":7493},"c771b72b5738",[],"As bond yields have risen, prices (which move inversely to the yield) have fallen – hence Income Portfolios have generally seen a fall in value over the valuation period.",[],{"_key":7496,"_type":123,"children":7497,"markDefs":7502,"style":190},"9b0bf130c581",[7498],{"_key":7499,"_type":127,"marks":7500,"text":7501},"726232b25cee",[],"However, given our strategy of holding a diversified spread of financially secure companies with investment-grade credit ratings and stable income until they mature effectively means that a negative quarter, while understandably unsettling, shouldn’t be too concerning as maturity dates and values are known.",[],{"_key":7504,"_type":123,"children":7505,"markDefs":7510,"style":190},"5621ce568362",[7506],{"_key":7507,"_type":127,"marks":7508,"text":7509},"b2c74c6c68a1",[197],"Long-Term Growth Element",[],{"_key":7512,"_type":123,"children":7513,"markDefs":7518,"style":190},"2bad036673c0",[7514],{"_key":7515,"_type":127,"marks":7516,"text":7517},"4d6e64f2143e",[],"In the UK, the market appears to be under-pricing the prospect of faster interest rate cuts from the Bank of England, which we believe is likely to intervene to prevent a sharp economic slowdown. This on its own provides a strong bull case for UK equities.",[],{"_key":7520,"_type":123,"children":7521,"markDefs":7526,"style":190},"ae0faa8c9602",[7522],{"_key":7523,"_type":127,"marks":7524,"text":7525},"504b9f40aaa9",[],"In addition, while the UK is not fully immune from potential US tariffs, around 68% of UK sales to the US are services (legal, management consultancy, financial services, etc). Therefore, providing Donald Trump’s proposed tariffs are only applied to goods (there has been no mention of tariffs on services), while they would be unwelcome, they would be manageable.",[],{"_key":7528,"_type":123,"children":7529,"markDefs":7534,"style":190},"94ef950d3d55",[7530],{"_key":7531,"_type":127,"marks":7532,"text":7533},"30b0490b5eed",[],"Furthermore, while FTSE 100 companies derive nearly 30% of their revenues from the US, much of this come from operations and manufacturing facilities based in the US, rather than from exports to the US.",[],{"_key":7536,"_type":123,"children":7537,"markDefs":7542,"style":190},"c2cc278dd75b",[7538],{"_key":7539,"_type":127,"marks":7540,"text":7541},"46f6789c0b2b",[],"We also remain positive on US equities given the potential for an extension of Donald Trump’s previous tax cuts, deregulation and artificial intelligence (which continues to support US technology companies). Additionally, helped by a strong macro background, US companies had a strong reporting period with three out of four companies announcing that profits were higher than expected.",[],{"_key":7544,"_type":123,"children":7545,"markDefs":7550,"style":190},"25c430e61367",[7546],{"_key":7547,"_type":127,"marks":7548,"text":7549},"49edf64449aa",[],"This contrasts with European companies, which in aggregate reported profits below estimates. European companies are heavily exposed to both autos and luxury products, and to China – neither of which have been helpful.",[],{"_key":7552,"_type":123,"children":7553,"markDefs":7558,"style":190},"9689305a31fc",[7554],{"_key":7555,"_type":127,"marks":7556,"text":7557},"4e807ba07f11",[],"Compounding Europe’s deteriorating economic backdrop, there is political uncertainty in both Germany and France, coupled with a significant risk that Donald Trump will impose tariffs on European imports. As such, during the valuation period we reduced the exposure to European companies.",[],{"_key":7560,"_type":123,"children":7561,"markDefs":7566,"style":190},"e2b4ab92e7d0",[7562],{"_key":7563,"_type":127,"marks":7564,"text":7565},"e6a5b7793309",[],"Contrasting outlooks for monetary policy between China and India, resulted in money being taken out of the Franklin FTSE India holding, with the proceeds used to fund a position in the iShares MSCI China ETF.",[],{"_key":7568,"_type":123,"children":7569,"markDefs":7574,"style":190},"bd226ff77556",[7570],{"_key":7571,"_type":127,"marks":7572,"text":7573},"3d78c407895f",[],"For clients with Ethical portfolios, the performance of shares in socially responsible companies has been mixed. Although inflation and interest rates have become more supportive, some of Donald Trump’s likely policies, such as renewable energy dis-incentivising, have weighed on performance.",[],{"_key":7576,"_type":123,"children":7577,"markDefs":7581,"style":190},"4750bc19a378",[7578],{"_key":7579,"_type":127,"marks":7580,"text":606},"cae54a5f5bb7",[],[],{"_key":7583,"_type":123,"children":7584,"markDefs":7589,"style":190},"84c9b2d66db4",[7585],{"_key":7586,"_type":127,"marks":7587,"text":7588},"6572b237fe24",[197],"The Investment Management Team",[],[7591],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":7593,"blogPostMeta":7594,"content":7617,"tag":7688,"title":7616},"bacfac12-bfa2-4fd3-a970-abed8f9f2b89",{"_type":56,"featuredImage":7595,"featuredVideo":115,"preview":7612,"publishedAt":7613,"slug":7614,"title":7616},{"_type":58,"alt":7596,"asset":7597}," SKYLINE",{"_createdAt":2882,"_id":2883,"_rev":517,"_type":63,"_updatedAt":518,"assetId":2884,"extension":66,"metadata":7598,"mimeType":102,"opt":7608,"originalFilename":2916,"path":2917,"sha1hash":2884,"size":2918,"uploadId":2919,"url":2920},{"_type":68,"blurHash":2886,"dimensions":7599,"hasAlpha":75,"isOpaque":75,"lqip":2891,"palette":7600},{"_type":71,"aspectRatio":2888,"height":2889,"width":2890},{"_type":78,"darkMuted":7601,"darkVibrant":7602,"dominant":7603,"lightMuted":7604,"lightVibrant":7605,"muted":7606,"vibrant":7607},{"_type":80,"background":2894,"foreground":82,"population":2895,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2897,"foreground":82,"population":2898,"title":82},{"_type":80,"background":2901,"foreground":92,"population":2902,"title":82},{"_type":80,"background":2904,"foreground":92,"population":2905,"title":82},{"_type":80,"background":2907,"foreground":82,"population":2908,"title":82},{"_type":80,"background":2910,"foreground":82,"population":705,"title":82},{"media":7609},{"tags":7610},[7611],{"_key":2915,"_ref":548,"_type":109,"_weak":75},"As you can see from the accompanying table, it was broadly a positive week for financial markets.\n","2025-02-17T10:54:00.000Z",{"_type":9,"current":7615},"week-ending-14th-february-2025","Week ending 14th February 2025.",[7618,7626,7633,7641,7649,7657,7665,7673,7681],{"_key":7619,"_type":123,"children":7620,"markDefs":7625,"style":190},"55d203844247",[7621],{"_key":7622,"_type":127,"marks":7623,"text":7624},"a0b146d91023",[],"As you can see from the accompanying table, it was broadly a positive week for financial markets.",[],{"_key":7627,"_type":123,"children":7628,"markDefs":7632,"style":190},"a39d4614652f",[7629],{"_key":7630,"_type":127,"marks":7631,"text":606},"bd3fad2c38cc",[],[],{"_key":7634,"_type":123,"children":7635,"markDefs":7640,"style":190},"9b90a2c3f480",[7636],{"_key":7637,"_type":127,"marks":7638,"text":7639},"52078a254652",[],"US stocks closed the week on a positive note as investor sentiment steadied, fuelled by growing recognition that President Trump’s tough rhetoric on tariffs was likely a strategic negotiating tactic rather than a fundamental shift in US trade policy, as we had previously speculated.",[],{"_key":7642,"_type":123,"children":7643,"markDefs":7648,"style":190},"6c467265dfa7",[7644],{"_key":7645,"_type":127,"marks":7646,"text":7647},"5d7b7e288a5d",[],"Trump has already engaged in talks with key global leaders, including Japan’s Prime Minister Ishiba and India’s Prime Minister Narendra Modi, to explore potential trade agreements that could benefit the US. He is also planning upcoming discussions with the European Union and the United Kingdom in hopes of securing trade deals that align more closely with U.S. economic priorities. In line with his approach as a seasoned businessman, Trump’s tactic of setting high tariff proposals early in negotiations is seen as a strategy to create room for flexibility and bargaining, ultimately positioning the U.S. to secure more favourable agreements.Markets reacted to January’s U.S. inflation data, which showed a faster-than-expected rise in prices, signalling that inflationary pressures remain persistent. The annual inflation rate increased to 3%, up from 2.9% in December. Shelter costs rose by 0.4%, accounting for nearly 30% of the total monthly increase. Core consumer price inflation, which excludes volatile food and energy prices, edged up to 3.3% in January, from 3.2% the previous month, surpassing market expectations of 3.1%. This data reinforced the view that the Federal Reserve will likely maintain its current stance on interest rates, with markets now anticipating a rate cut in November or December. While investors were somewhat disappointed, January’s report has not significantly changed the broader economic outlook. Policymakers are likely to stay the course, particularly given risks such as California wildfires and the potential impact of trade tariffs proposed by the Trump administration.",[],{"_key":7650,"_type":123,"children":7651,"markDefs":7656,"style":190},"35c49da472fc",[7652],{"_key":7653,"_type":127,"marks":7654,"text":7655},"3e323d36f476",[],"UK GDP data shows the economy narrowly avoided a recession in Q4 2024, with modest 0.1% growth, largely driven by government spending. December saw the strongest growth in nine months, at 0.4%, boosted by sectors like pubs, wholesale trade, and pharmaceuticals. However, construction continued to weigh on overall performance. The data suggests that the economy’s recovery is fragile and remains heavily reliant on public sector support, rather than a resurgence in private sector activity.Looking to 2025, the outlook is cautiously optimistic, with expectations for potential Bank of England rate cuts. Risks remain, including a cooling labour market and ongoing pessimism among consumers and businesses. The labour market may cool faster than expected, especially as companies could look to reduce headcount in response to rising employer national insurance contributions.",[],{"_key":7658,"_type":123,"children":7659,"markDefs":7664,"style":190},"2b525a9de631",[7660],{"_key":7661,"_type":127,"marks":7662,"text":7663},"d0c296e1aeae",[],"In Europe, sentiment was buoyed by hopes of an end to the Ukraine-Russia conflict and strong earnings reports. Investors responded positively to the prospects of peace talks between Ukraine and Russia, following a phone call last week between President Trump and Russian President Vladimir Putin. In a significant development, White House Middle East envoy Steve Witkoff confirmed he was traveling to Saudi Arabia on Sunday evening for the first in-person discussions between the US and Russia aimed at resolving the conflict. This marks a hopeful and constructive step forward in efforts to achieve peace.",[],{"_key":7666,"_type":123,"children":7667,"markDefs":7672,"style":190},"f4c408ecd089",[7668],{"_key":7669,"_type":127,"marks":7670,"text":7671},"8f658fa96486",[],"In other news, mainland Chinese stock markets gained, fuelled by hopes that U.S. tariffs on Chinese imports may be less severe than initially expected, following the Trump administration’s decision to impose a 10% tariff on the country’s products in early February.",[],{"_key":7674,"_type":123,"children":7675,"markDefs":7680,"style":190},"2f8ba8fc7679",[7676],{"_key":7677,"_type":127,"marks":7678,"text":7679},"be4b04aa1552",[],"Coming up next week: UK inflation, unemployment, consumer confidence, retail sales, and Federal Reserve minutes from their January meeting. US and Eurozone consumer sentiment data are also due out.",[],{"_key":7682,"_type":123,"children":7683,"markDefs":7687,"style":190},"cb78518ece6b",[7684],{"_key":7685,"_type":127,"marks":7686,"text":3026},"8451a39df15b",[197],[],[7689],{"_createdAt":3030,"_id":3031,"_rev":3032,"_system":7690,"_type":377,"_updatedAt":3036,"brandSpecific":4,"slug":7692,"title":3039},{"base":7691},{"id":3031,"rev":3035},{"_type":9,"current":3038},{"_id":7694,"blogPostMeta":7695,"content":7700,"tag":7704,"title":7699},"cd8a3d8d-2c72-4a6c-bbd0-15ed2e55d4b1",{"_type":56,"featuredImage":115,"featuredVideo":115,"publishedAt":7696,"slug":7697,"title":7699},"2025-02-13T14:30:00.000Z",{"_type":9,"current":7698},"pmi-bitesize","PMI 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a look at our latest film featuring our colleague Rhys Keeling as he sits down with Pensions Management Institute (PMI) to discuss improving people’s financial future through pension engagement.","2025-02-13T10:56:00.000Z",{"_type":9,"current":7749},"boosting-pensions-engagement","Boosting pensions engagement.",[7752,7755],{"_key":7753,"_type":2605,"height":2606,"url":7754,"width":2608},"868238e84b5c","https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FreTyXsGImQQ?si=ySpekHpxPCgo3PLn",{"_key":7756,"_type":123,"children":7757,"markDefs":7761,"style":190},"1144b1962f24",[7758],{"_key":7759,"_type":127,"marks":7760,"text":7746},"f827884be0e3",[],[],[7763,7764],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":7765,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":7767,"title":381},{"base":7766},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":7769,"blogPostMeta":7770,"content":7792,"tag":7866,"title":7791},"22afee1d-f232-457b-b8d4-5844c47a7329",{"_type":56,"featuredImage":7771,"featuredVideo":115,"preview":7787,"publishedAt":7788,"slug":7789,"title":7791},{"_type":58,"alt":7189,"asset":7772},{"_createdAt":2771,"_id":2772,"_rev":2773,"_type":63,"_updatedAt":2774,"assetId":2775,"extension":66,"metadata":7773,"mimeType":102,"opt":7783,"originalFilename":2805,"path":2806,"sha1hash":2775,"size":2807,"uploadId":2808,"url":2809},{"_type":68,"blurHash":2777,"dimensions":7774,"hasAlpha":4,"isOpaque":75,"lqip":2782,"palette":7775},{"_type":71,"aspectRatio":2779,"height":2780,"width":2781},{"_type":78,"darkMuted":7776,"darkVibrant":7777,"dominant":7778,"lightMuted":7779,"lightVibrant":7780,"muted":7781,"vibrant":7782},{"_type":80,"background":2785,"foreground":82,"population":482,"title":82},{"_type":80,"background":2787,"foreground":82,"population":2788,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"_type":80,"background":2793,"foreground":82,"population":482,"title":82},{"_type":80,"background":2795,"foreground":92,"population":2796,"title":82},{"_type":80,"background":2798,"foreground":82,"population":482,"title":82},{"_type":80,"background":2790,"foreground":82,"population":2791,"title":82},{"media":7784},{"tags":7785},[7786],{"_key":2804,"_ref":548,"_type":109,"_weak":75},"Speaking to European Union lawmakers on Monday, ECB President Christine Lagarde indicated that inflation in the Euro Area appears on track to reach its 2% target in the coming months. However, she warned that uncertainties stemming from global trade tensions could disrupt this trajectory, alluding to potential U.S. trade tariffs and rising energy prices as key risks.\n","2025-02-12T11:10:00.000Z",{"_type":9,"current":7790},"market-update-12th-february-2025","Market Update – 12th February 2025.",[7793,7796,7804,7811,7819,7827,7835,7843,7851,7859],{"_key":7794,"_type":2605,"height":2606,"url":7795,"width":2608},"a2f386dc86bc","https:\u002F\u002Fplayer.vimeo.com\u002Fvideo\u002F1055938498?h=1113fbf9d3",{"_key":7797,"_type":123,"children":7798,"markDefs":7803,"style":190},"90d4af4f5c28",[7799],{"_key":7800,"_type":127,"marks":7801,"text":7802},"c06419efbd23",[],"Speaking to European Union lawmakers on Monday, ECB President Christine Lagarde indicated that inflation in the Euro Area appears on track to reach its 2% target in the coming months. However, she warned that uncertainties stemming from global trade tensions could disrupt this trajectory, alluding to potential U.S. trade tariffs and rising energy prices as key risks.",[],{"_key":7805,"_type":123,"children":7806,"markDefs":7810,"style":190},"b57ab00a6a15",[7807],{"_key":7808,"_type":127,"marks":7809,"text":606},"3690d3012a9f",[],[],{"_key":7812,"_type":123,"children":7813,"markDefs":7818,"style":190},"0e99b8c3eede",[7814],{"_key":7815,"_type":127,"marks":7816,"text":7817},"d78fc4ac3347",[],"Market participants anticipate that the ECB’s deposit rate—currently at 2.75%—will eventually be reduced to 2%, possibly as early as mid-year. While Lagarde reaffirmed the ECB’s commitment to a data-driven, meeting-by-meeting approach in shaping monetary policy, she acknowledged that consumer spending remains cautious, and business investment is sluggish. Lower interest rates should gradually help by making credit more accessible to both businesses and households, fostering improved economic conditions.UK retail spending grew 2.6% year-on-year in January, according to the British Retail Consortium, down from December’s 3.2% but above the 1.2% rise in January 2024. While the increase was partly due to an earlier reporting period, adding extra post-Christmas shopping days, the data reflects renewed consumer appetite for spending in the new year – taking advantage of January discounts on things like bedding and furniture.",[],{"_key":7820,"_type":123,"children":7821,"markDefs":7826,"style":190},"7b0e1787803d",[7822],{"_key":7823,"_type":127,"marks":7824,"text":7825},"f32388473345",[],"However, looking ahead, retailers face mounting cost pressures, including higher employer national insurance contributions, an increased minimum wage, and a new packaging levy. These factors could squeeze profit margins and influence pricing strategies (and thus potentially put upwards pressure on inflation in the coming months). Retail sales are closely monitored by the Bank of England, who this week further added that a rise in wholesale energy prices might see inflation tick up to 3.7% in the third quarter of this year.",[],{"_key":7828,"_type":123,"children":7829,"markDefs":7834,"style":190},"dad120d97e22",[7830],{"_key":7831,"_type":127,"marks":7832,"text":7833},"b65c02f200a7",[],"Also, it was revealed this week that the UK has no immediate plans to retaliate against the U.S.’ decision to reintroduce tariffs on steel and aluminium, Trade Minister Douglas Alexander stated, stressing the importance of a thoughtful response rather than a hasty reaction.",[],{"_key":7836,"_type":123,"children":7837,"markDefs":7842,"style":190},"e63d41d5002f",[7838],{"_key":7839,"_type":127,"marks":7840,"text":7841},"015d29394c0e",[],"Set to take effect on March 12th, the tariffs will impose a 25% levy on steel and aluminium imports into the U.S. Although the UK supplies only about 10% of its steel exports to the U.S., certain specialist manufacturers are more dependent on this market. In contrast, the EU and Canada have indicated they will take countermeasures against the policy announced by President Trump.",[],{"_key":7844,"_type":123,"children":7845,"markDefs":7850,"style":190},"b5f43aa75dbf",[7846],{"_key":7847,"_type":127,"marks":7848,"text":7849},"360058aa458a",[],"Finally, Federal Reserve Chair Jerome Powell told lawmakers Tuesday that the central bank is in no hurry to cut interest rates. His stance aligns with other Fed officials and market participants, who have priced in that rates will likely remain unchanged at the March meeting; “With our policy stance less restrictive and the economy strong, there is no urgency to adjust,” Powell stated.",[],{"_key":7852,"_type":123,"children":7853,"markDefs":7858,"style":190},"cf5d83c4a99a",[7854],{"_key":7855,"_type":127,"marks":7856,"text":7857},"0b463db5c104",[],"Still to come this week we have U.S. CPI and PPI, UK GDP, and U.S. retail sales.",[],{"_key":7860,"_type":123,"children":7861,"markDefs":7865,"style":190},"99b200703bfb",[7862],{"_key":7863,"_type":127,"marks":7864,"text":2546},"4a1718bb7b3f",[197],[],[7867],{"_createdAt":1093,"_id":1094,"_rev":1095,"_type":377,"_updatedAt":1096,"brandSpecific":75,"slug":1097,"title":1098},{"_id":7869,"blogPostMeta":7870,"content":7913,"tag":7977,"title":7912},"9f8eb2b8-623b-41c6-bc34-9316fa5dfce1",{"_type":56,"featuredImage":7871,"featuredVideo":115,"preview":7908,"publishedAt":7909,"slug":7910,"title":7912},{"_type":58,"asset":7872},{"_createdAt":7873,"_id":7874,"_rev":62,"_type":63,"_updatedAt":64,"assetId":7875,"extension":393,"metadata":7876,"mimeType":421,"opt":7898,"originalFilename":7903,"path":7904,"sha1hash":7875,"size":7905,"uploadId":7906,"url":7907},"2025-06-16T09:42:56Z","image-14f67e5b23fe3b37374d79d96b266976ffb1638d-1000x667-jpg","14f67e5b23fe3b37374d79d96b266976ffb1638d",{"_type":68,"blurHash":7877,"dimensions":7878,"hasAlpha":4,"isOpaque":75,"lqip":7879,"palette":7880},"VKGuL8_N9FROs:Dh9FM{M{oM9aRP-p%MR*s,jZt8s;V@",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwAAAwEAAAAAAAAAAAAAAAAAAAYHBf\u002FEACIQAAEEAQQCAwAAAAAAAAAAAAIBAwQFAAYREjETIUKBwf\u002FEABcBAAMBAAAAAAAAAAAAAAAAAAACAwT\u002FxAAdEQACAgEFAAAAAAAAAAAAAAAAAgEDEQQSEyHw\u002F9oADAMBAAIRAxEAPwBd0Fos5sePPGa4kN5VRzgPSp3tmjrCuiULwlCfdfjurxE91FV+8o9sARNI17MBsIzItrxAE6yaX1oVzVhXOstN+MtkcFPzItViOjXGo3NlxXGYPvmy7vv8lVVwxIs7+zrJ70RqURA0XFFXvDE4nCbk9B\u002F\u002F2Q==",{"_type":78,"darkMuted":7881,"darkVibrant":7884,"dominant":7887,"lightMuted":7888,"lightVibrant":7891,"muted":7894,"vibrant":7896},{"_type":80,"background":7882,"foreground":82,"population":7883,"title":82},"#452d24",7.42,{"_type":80,"background":7885,"foreground":82,"population":7886,"title":82},"#4e1212",5.16,{"_type":80,"background":7882,"foreground":82,"population":7883,"title":82},{"_type":80,"background":7889,"foreground":92,"population":7890,"title":82},"#d0b8ac",1.38,{"_type":80,"background":7892,"foreground":92,"population":7893,"title":92},"#fce6e2",0.86,{"_type":80,"background":7895,"foreground":82,"population":708,"title":82},"#9e867a",{"_type":80,"background":7897,"foreground":82,"population":482,"title":82},"#d46c40",{"media":7899},{"tags":7900},[7901],{"_key":7902,"_ref":108,"_type":109,"_weak":75},"7TUSjZFMqM_U2xCKvNehS","shutterstock_2505463005.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F14f67e5b23fe3b37374d79d96b266976ffb1638d-1000x667.jpg",385161,"ClU4OG7KkwEfi9T0PqdhAVPQdaM5s6uW","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F14f67e5b23fe3b37374d79d96b266976ffb1638d-1000x667.jpg","Following a review, the new Pensions Minister, Torsten Bell has confirmed auto-enrolment (AE) thresholds will be maintained at the current levels* for 2025\u002F26.","2025-02-03T10:42:00.000Z",{"_type":9,"current":7911},"auto-enrolment-thresholds-maintained:-many-at-risk-of-sleepwalking-into-an-unhappy-retirement-due-to-insufficient-funds","Auto-enrolment thresholds maintained: many at risk of sleepwalking into an unhappy retirement due to insufficient funds.",[7914,7921,7929,7937,7945,7953,7961,7969],{"_key":7915,"_type":123,"children":7916,"markDefs":7920,"style":190},"9dd8218eef47",[7917],{"_key":7918,"_type":127,"marks":7919,"text":7908},"5597364da9c6",[],[],{"_key":7922,"_type":123,"children":7923,"markDefs":7928,"style":190},"44fdaff917ac",[7924],{"_key":7925,"_type":127,"marks":7926,"text":7927},"0e56d1458afb",[],"*This means a minimum contribution of 3% from employees, and 5% from employers to bring total pension contributions to 8%.",[],{"_key":7930,"_type":123,"children":7931,"markDefs":7936,"style":190},"adede91f3016",[7932],{"_key":7933,"_type":127,"marks":7934,"text":7935},"9d56dc37a397",[],"Jonathan Watts-Lay, Director, WEALTH at work, comments; “It can be difficult for someone to judge how much they may need to save for retirement as everyone has different circumstances and different expectations, However, we know the current levels are too low and may not provide an adequate standard of living for many.”",[],{"_key":7938,"_type":123,"children":7939,"markDefs":7944,"style":190},"510944d7af58",[7940],{"_key":7941,"_type":127,"marks":7942,"text":7943},"5c382b72a945",[],"In fact, according to the Pensions and Lifetime Savings Association (PLSA ), a single person will need about £14,400 a year to achieve the minimum standard of living (this would cover all a retiree needs plus enough for some leisure activities such as a week’s holiday in the UK and eating out occasionally); £31,300 a year for a moderate standard of living (one foreign holiday a year and more frequent eating out); and £43,100 a year for a comfortable standard of living (this would cover all a retiree needs plus two foreign holidays a year and some luxuries such as regular beauty treatments). For couples, it’s £22,400, £43,100 and £59,000, respectively.",[],{"_key":7946,"_type":123,"children":7947,"markDefs":7952,"style":190},"f6aa68352046",[7948],{"_key":7949,"_type":127,"marks":7950,"text":7951},"b9cb0ad25565",[],"Watts-Lay adds; “Unfortunately, there seems to be a general lack of pension understanding and engagement. Our research found that more than a fifth (21%) of employees have no idea how much their pension is worth, with almost a quarter (24%) having no idea how much they will need to have for a comfortable retirement.”",[],{"_key":7954,"_type":123,"children":7955,"markDefs":7960,"style":190},"8c6ea6074410",[7956],{"_key":7957,"_type":127,"marks":7958,"text":7959},"b365223d1aea",[],"Watts-Lay explains; “The AE minimum is just not going to be enough for many. Whilst I understand the decision made to maintain thresholds could be due to the business cost of employers now having to fund the increase in National Insurance and minimum wage, I worry that many individuals are now at risk of sleepwalking into an unhappy retirement because they are unknowingly not saving enough and will have insufficient funds.”",[],{"_key":7962,"_type":123,"children":7963,"markDefs":7968,"style":190},"a5871d0fb347",[7964],{"_key":7965,"_type":127,"marks":7966,"text":7967},"70be7295457c",[],"That said, he adds, “Employees need to look at their pension statement, and understand the pension income they are likely to retire on based on their current contributions, and if this matches their expectations or if they need to save more. In fact, even small increases can have a significant impact on someone’s pension savings. For example, someone in their 20s, saving just 1% more each year into a workplace pension can boost future savings by 25%.”",[],{"_key":7970,"_type":123,"children":7971,"markDefs":7976,"style":190},"f9a8ca9bf772",[7972],{"_key":7973,"_type":127,"marks":7974,"text":7975},"360e9ecebe23",[],"Finally, he comments, “People need support to understand their finances including ways to save money and budget, as well as how to make the most of their pension savings for later life. This is why many employers and trustees are now working together with financial wellbeing and retirement specialists to help individuals engage with their pensions and savings throughout their career. 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Juggling the demands of raising a family alongside the pressures of a career can take a toll on mental wellbeing. ","2025-01-30T10:54:00.000Z",{"_type":9,"current":8026},"73%-of-employers-rate-parenting-costs-as-one-of-the-top-issues-for-employee-wellbeing","73% of employers rate parenting costs as one of the top issues for employee wellbeing.",[8029,8037,8045,8053,8061,8069,8077],{"_key":8030,"_type":123,"children":8031,"markDefs":8036,"style":190},"c1a805fa7d14",[8032],{"_key":8033,"_type":127,"marks":8034,"text":8035},"1cff57d4d1d1",[197],"By Jonathan Watts-Lay, Founder and Director at WEALTH at work",[],{"_key":8038,"_type":123,"children":8039,"markDefs":8044,"style":190},"708eba3e342e",[8040],{"_key":8041,"_type":127,"marks":8042,"text":8043},"11b4e4b0926d",[],"National Parent Mental Health Day – on 30th January – serves as a powerful reminder of the unique challenges faced by working parents. Juggling the demands of raising a family alongside the pressures of a career can take a toll on mental wellbeing. Financial worries on top of this can often exacerbate these struggles. Research from REBA and WEALTH at work sheds light on this topic, revealing the growing awareness of the important link between financial wellbeing and the mental health of working parents.",[],{"_key":8046,"_type":123,"children":8047,"markDefs":8052,"style":190},"852c38ae1c3b",[8048],{"_key":8049,"_type":127,"marks":8050,"text":8051},"2b73e9f83fda",[],"The research amongst 236 companies representing 1.3 million employees found that 73% of respondents, held concerns regarding the specific risks to financial wellbeing of parents in their workforce. The high costs associated with raising children paired with economic uncertainty and inflation, provide the perfect conditions for financial stress.",[],{"_key":8054,"_type":123,"children":8055,"markDefs":8060,"style":190},"58aa4d9a4fc9",[8056],{"_key":8057,"_type":127,"marks":8058,"text":8059},"2b03582dafac",[],"Research from WEALTH at work also shows that over 80% of employees are concerned that the rising cost of living means they will be less comfortable in retirement because of a shortfall in savings. Inadequate preparations add to the financial worries that weigh heavily on working parents, further impacting their wellbeing and their ability to fully engage with both family and work.",[],{"_key":8062,"_type":123,"children":8063,"markDefs":8068,"style":190},"979a06f99faa",[8064],{"_key":8065,"_type":127,"marks":8066,"text":8067},"4086dc3cb049",[],"It is encouraging that over 70% of employers identified the mental wellbeing of their workforce as the top driver for offering financial wellbeing provisions. The statistic that those faced with persistent financial difficulties are 5.5 times more likely to experience a mental health problem, further emphasises the importance of this issue, particularly among working parents who are already navigating the pressures of family life.",[],{"_key":8070,"_type":123,"children":8071,"markDefs":8076,"style":190},"9c18393daf94",[8072],{"_key":8073,"_type":127,"marks":8074,"text":8075},"d79e815b387a",[],"Poor parental mental health has tangible consequences for businesses, with stress and anxiety potentially leading to decreased productivity, reduced focus, and ultimately lower output. Supporting employee wellbeing fosters a positive work environment, boosts engagement, and ultimately improves business performance and profitability.",[],{"_key":8078,"_type":123,"children":8079,"markDefs":8084,"style":190},"df019d25f10f",[8080],{"_key":8081,"_type":127,"marks":8082,"text":8083},"a41a781d1d80",[],"On National Parent Mental Health Day, it is very encouraging to see growing levels of recognition amongst UK employers about the importance of supporting the financial and mental wellbeing of working parents. Helping employees to understand the key financial issues that relate to them is an effective way of helping to overcome these risks. 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For everyone else, the initial threshold at which stamp duty is paid will fall to £125,000 from £250,000. Thereafter, rates will apply at different purchase prices as shown in the table below*.",[],{"_key":8165,"_type":123,"children":8166,"markDefs":8175,"style":190},"5c27ba0dafd1",[8167,8171],{"_key":8168,"_type":127,"marks":8169,"text":8170},"442e11f73ef9",[197],"Jonathan Watt-Lay, Director, WEALTH at work, comments; “",{"_key":8172,"_type":127,"marks":8173,"text":8174},"d8930ed9c06c",[],"This change will inevitably make home ownership for first time buyers more expensive. House purchases will also get costlier for those trying to move up the property ladder.",[],{"_key":8177,"_type":123,"children":8178,"markDefs":8183,"style":190},"b23d62040dd0",[8179],{"_key":8180,"_type":127,"marks":8181,"text":8182},"e4b9f04c2336",[],"The impending deadline could inevitably see a flurry of people looking to complete their property purchase before the changes, and it’s important those going through the process are aware of the pending tax changes, so they can take action. However, this pressure to complete in time could drive housing prices up, so people need to work out what will be best for them.”",[],{"_key":8185,"_type":123,"children":8186,"markDefs":8191,"style":190},"8baa64e33b0e",[8187],{"_key":8188,"_type":127,"marks":8189,"text":8190},"51c2cb40e374",[],"He continues; “When buying a property many people would benefit from having a better understanding of key concepts such as budgeting, stamp duty and interest rates, along with how savings vehicles such as Lifetime ISAs (LISAs) or ISAs can help.",[],{"_key":8193,"_type":123,"children":8194,"markDefs":8199,"style":190},"2aad677cb11e",[8195],{"_key":8196,"_type":127,"marks":8197,"text":8198},"20e609901589",[],"He adds; “Many employers now offer their staff financial education and guidance through workshops, digital tools and helplines to help them understand the key issues relevant to them, whether they are purchasing a first home, a new parent managing childcare costs, or planning for retirement. In addition, many are also putting in place workplace ISAs to help employees to start saving for the future.”",[],{"_key":8201,"_type":123,"children":8202,"markDefs":8207,"style":190},"91dc7554ffd5",[8203],{"_key":8204,"_type":127,"marks":8205,"text":8206},"4fbc1786df36",[197],"UK Stamp Duty Rates:",[],{"_key":8209,"_type":123,"children":8210,"markDefs":8215,"style":190},"2e66d406405c",[8211],{"_key":8212,"_type":127,"marks":8213,"text":8214},"525b1c16a068",[],"Rates for a single property*",[],{"_key":8217,"_type":58,"asset":8218},"b44f272c5b11",{"_ref":8219,"_type":109},"image-c590087632dd220731c13fd5ca1554b6325e8535-2306x520-png",{"_key":8221,"_type":123,"children":8222,"markDefs":8227,"style":190},"ae7f86f6c389",[8223],{"_key":8224,"_type":127,"marks":8225,"text":8226},"76bdbdd4b001",[],"An additional 5% on top of the standard rates for each band is due on second 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the current environment, it has become difficult for a lot of people to save as much as they would like, in fact, a survey of working adults by WEALTH at work found that the biggest financial concerns for the year include not having enough savings for unexpected costs (40%) and not being able to save enough for the future (38%).","2025-01-15T10:50:00.000Z",{"_type":9,"current":8296},"tips-to-help-employees-build-their-financial-resilience",[8298,8306,8314,8321,8328,8336,8343,8351,8358,8366,8373,8380,8387,8394,8402],{"_key":8299,"_type":123,"children":8300,"markDefs":8305,"style":190},"2c4b7eb2c78f",[8301],{"_key":8302,"_type":127,"marks":8303,"text":8304},"3d4435555eb5",[],"In the current environment, it has become difficult for a lot of people to save as much as they would like, in fact, a survey[1] of working adults by WEALTH at work found that the biggest financial concerns for the year include not having enough savings for unexpected costs (40%) and not being able to save enough for the future (38%).",[],{"_key":8307,"_type":123,"children":8308,"markDefs":8313,"style":190},"f3e03adad31a",[8309],{"_key":8310,"_type":127,"marks":8311,"text":8312},"798c2e128bce",[],"This can have a serious impact on financial resilience, with the weight of this financial burden spilling into the workplace. Almost two-fifths (38%) of workers admit that money worries affect their performance at work by causing increased stress levels, mental exhaustion (33%) and decreased motivation (26%). A fifth (20%) admit that it led to reduced focus and concentration, and almost one in ten (9%) say it led them to take more days off work unwell.",[],{"_key":8315,"_type":123,"children":8316,"markDefs":8320,"style":190},"90b0097bb265",[8317],{"_key":8318,"_type":127,"marks":8319,"text":4680},"daaafbb3ebfc",[],[],{"_key":8322,"_type":123,"children":8323,"markDefs":8327,"style":190},"9025199ba28b",[8324],{"_key":8325,"_type":127,"marks":8326,"text":4688},"a1735bbf0b29",[197],[],{"_key":8329,"_type":123,"children":8330,"markDefs":8335,"style":190},"bac235ec5048",[8331],{"_key":8332,"_type":127,"marks":8333,"text":8334},"2a01ca1ad723",[],"Employees are likely to have different financial priorities depending on their life stage. For some the priority may be saving a deposit for a first home, whilst for others it might be saving for retirement, or for some it may be paying off debt. It’s important that employees put a plan in place on how to reach their goals and they may require support to do this. It therefore helps to design a programme which supports differing requirements.",[],{"_key":8337,"_type":123,"children":8338,"markDefs":8342,"style":190},"8283127d4c9c",[8339],{"_key":8340,"_type":127,"marks":8341,"text":4700},"e89acb32964a",[197],[],{"_key":8344,"_type":123,"children":8345,"markDefs":8350,"style":190},"3d136ad5dae9",[8346],{"_key":8347,"_type":127,"marks":8348,"text":8349},"53d901c9c509",[],"Many people struggle to understand basic financial issues and helping employees become more familiar with them, is an important step. For example, employees could start by reviewing their outgoings, everything from bills and subscriptions to food shopping and going out. Really looking at what is spent can often highlight areas that could be cut back on. A great example of this is insurance as it is often the case that someone would get a better quote by shopping around and using tools like comparison sites, but many neglect to do this.",[],{"_key":8352,"_type":123,"children":8353,"markDefs":8357,"style":190},"d5a66916ae3a",[8354],{"_key":8355,"_type":127,"marks":8356,"text":4712},"0f36f08a4bfd",[197],[],{"_key":8359,"_type":123,"children":8360,"markDefs":8365,"style":190},"ed1d8b8fab22",[8361],{"_key":8362,"_type":127,"marks":8363,"text":8364},"66140e9a3910",[],"Employees should be encouraged to investigate the range of workplace benefits that may be available and suitable for them. 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It is important to understand all the options, make informed decisions and avoid making expensive mistakes.","2025-01-15T10:49:00.000Z",{"_type":9,"current":8462},"planning-how-to-pay-for-retirement","Planning how to pay for retirement.",[8465,8472,8480,8488,8496,8504,8512,8520,8528,8536,8544,8552],{"_key":8466,"_type":123,"children":8467,"markDefs":8471,"style":190},"f35a04be379d",[8468],{"_key":8469,"_type":127,"marks":8470,"text":8459},"8b0c59275ad7",[],[],{"_key":8473,"_type":123,"children":8474,"markDefs":8479,"style":190},"99ebf439a4c0",[8475],{"_key":8476,"_type":127,"marks":8477,"text":8478},"328768afa9ce",[],"To help with this, WEALTH at work has a range of tips for those who are thinking about retiring in 2025.",[],{"_key":8481,"_type":123,"children":8482,"markDefs":8487,"style":190},"65c6b07fea49",[8483],{"_key":8484,"_type":127,"marks":8485,"text":8486},"5cd1c6b7bc8b",[],"A good place to start is to work out all costs in retirement including day-to-day living expenses and discretionary expenditures (such as holidays and hobbies).",[],{"_key":8489,"_type":123,"children":8490,"markDefs":8495,"style":190},"98117388224a",[8491],{"_key":8492,"_type":127,"marks":8493,"text":8494},"259ccc843411",[],"A next step could be to figure out the value of all savings including ISAs, general savings and other investments, as well as pensions. But be sure to track down all pensions. There are ways to locate lost pensions including using the Government’s Pension Tracing Service, and those with multiple pensions may want to consolidate them.",[],{"_key":8497,"_type":123,"children":8498,"markDefs":8503,"style":190},"a8085879ef71",[8499],{"_key":8500,"_type":127,"marks":8501,"text":8502},"58f648978c2d",[],"Take note that you need a minimum of 35 years of National Insurance (NI) contributions to get the full state pension payment. It is possible to purchase NI credits to boost your state pension income, but after 5 April 2025, individuals will only be able to claim for six years of NI credit — it may be worth filling any extra gaps in your record now.",[],{"_key":8505,"_type":123,"children":8506,"markDefs":8511,"style":190},"629199a7a59f",[8507],{"_key":8508,"_type":127,"marks":8509,"text":8510},"c8c0e8a73874",[],"Next, it’s important to think about how you plan to take your pension savings to generate an income in retirement. For those with a ‘defined benefit’ pension, retirement income is usually based on a rate set by the scheme with a set retirement age. ‘Defined contribution’ pensions can be accessed from age 55. The options include taking income drawdown (where the pension money is still invested but cash is taken as and when needed), buying an annuity (a fixed sum of money paid to someone each year), taking it as a cash lump sum, or a combination of options.",[],{"_key":8513,"_type":123,"children":8514,"markDefs":8519,"style":190},"70d42ddd71f1",[8515],{"_key":8516,"_type":127,"marks":8517,"text":8518},"c5ceaac4f986",[],"Before purchasing any retirement products, shop around as charges can vary. It’s also vital to check whether the company is registered with the Financial Conduct Authority (FCA) to avoid being a victim of a pension scam.",[],{"_key":8521,"_type":123,"children":8522,"markDefs":8527,"style":190},"83d9308a3387",[8523],{"_key":8524,"_type":127,"marks":8525,"text":8526},"e1e7e0337e74",[],"When taking pensions income, make sure you’re aware of the tax rules. Up to 25% of a defined contribution pension is tax-free (subject to a maximum of £268,275), with the remaining 75% taxed at the same rates as earned income. So, if taking a pension as a cash lump sum, you may become a higher rate taxpayer. It may be better to take smaller amounts each year from your pension, keeping within your tax bracket.",[],{"_key":8529,"_type":123,"children":8530,"markDefs":8535,"style":190},"5c74ab27f4d7",[8531],{"_key":8532,"_type":127,"marks":8533,"text":8534},"308b5e3800c8",[],"The final tip is to not go it alone. Understand your retirement income options and choose what is right for you. Getting financial education, guidance and investment advice at retirement can really help.",[],{"_key":8537,"_type":123,"children":8538,"markDefs":8543,"style":190},"13e84b706f3a",[8539],{"_key":8540,"_type":127,"marks":8541,"text":8542},"e1dd1173716c",[],"Jonathan Watts-Lay, director of WEALTH at work, a leading financial wellbeing and retirement specialist comments: “We spend many years saving for our retirement and deciding how to manage this money is one of the biggest financial decisions people make. This is why many employers now offer retirement support including access to financial education, guidance and investment advice for employees, so it is always worth speaking to them to find out what help is available.”",[],{"_key":8545,"_type":123,"children":8546,"markDefs":8551,"style":190},"d9e249a1de52",[8547],{"_key":8548,"_type":127,"marks":8549,"text":8550},"2cee43d701f5",[],"Employers should get in touch with WEALTH at work directly to discuss putting in place a retirement programme for employees.",[],{"_key":8553,"_type":123,"children":8554,"markDefs":8559,"style":172},"0a37042a02b0",[8555],{"_key":8556,"_type":127,"marks":8557,"text":8558},"a4de640a5261",[],"Coverage can be found in The Times and Mail on Saturday .",[],[8561,8562],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":8563,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":8565,"title":381},{"base":8564},{"id":372,"rev":376},{"_type":9,"current":380},{"_id":8567,"blogPostMeta":8568,"content":8611,"tag":8778,"title":8610},"70511117-38eb-4c4d-b9ed-12d2e33bb70a",{"_type":56,"featuredImage":8569,"featuredVideo":115,"preview":8606,"publishedAt":8607,"slug":8608,"title":8610},{"_type":58,"asset":8570},{"_createdAt":8571,"_id":8572,"_rev":62,"_type":63,"_updatedAt":64,"assetId":8573,"extension":393,"metadata":8574,"mimeType":421,"opt":8596,"originalFilename":8601,"path":8602,"sha1hash":8573,"size":8603,"uploadId":8604,"url":8605},"2025-06-16T09:45:27Z","image-27360378ce107824dc83f167f3d0cfad83e64f9e-1000x667-jpg","27360378ce107824dc83f167f3d0cfad83e64f9e",{"_type":68,"blurHash":8575,"dimensions":8576,"hasAlpha":4,"isOpaque":75,"lqip":8577,"palette":8578},"VQH.7:~VT1WZ9EM_S$-;n~og$$R-M{V?tStnaJa#X9aJ",{"_type":71,"aspectRatio":1110,"height":1111,"width":1112},"data:image\u002Fjpeg;base64,\u002F9j\u002F2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQYGBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj\u002F2wBDAQcHBwoIChMKChMoGhYaKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj\u002FwAARCAANABQDASIAAhEBAxEB\u002F8QAFwAAAwEAAAAAAAAAAAAAAAAAAAYHBP\u002FEACMQAAEDBAEEAwAAAAAAAAAAAAECAwQABRESBhMXMWEhQXH\u002FxAAUAQEAAAAAAAAAAAAAAAAAAAAE\u002F8QAGhEAAgMBAQAAAAAAAAAAAAAAAQIAEiERMf\u002FaAAwDAQACEQMRAD8AYuSPjt2uZHC4kleuhSnCs58CpxZ5U2Y9MZhoe6qgFIBGcK+8+jVQ4ssSrA81K2eQFIdSHFZ1UKz3EtW+2XGXHYbTMWSS6Bg\u002FlHVlZh05EBGVSANk2m8+k2iQqFMtUdL7fwrJ8+6KW748Z07rSUNrcKQCrXzRTKIfDkHZxhGz\u002F9k=",{"_type":78,"darkMuted":8579,"darkVibrant":8582,"dominant":8585,"lightMuted":8586,"lightVibrant":8589,"muted":8591,"vibrant":8594},{"_type":80,"background":8580,"foreground":82,"population":8581,"title":82},"#4f392a",6.8,{"_type":80,"background":8583,"foreground":82,"population":8584,"title":82},"#4a230a",0.2,{"_type":80,"background":8580,"foreground":82,"population":8581,"title":82},{"_type":80,"background":8587,"foreground":92,"population":8588,"title":82},"#a6b5c4",3.79,{"_type":80,"background":8590,"foreground":92,"population":5005,"title":82},"#d69f79",{"_type":80,"background":8592,"foreground":82,"population":8593,"title":82},"#a08572",6.63,{"_type":80,"background":8595,"foreground":82,"population":482,"title":82},"#387cb4",{"media":8597},{"tags":8598},[8599],{"_key":8600,"_ref":108,"_type":109,"_weak":75},"iLRFi8OjYMoL_Sda4XJUE","shutterstock_2424450139.jpg","images\u002Fsoc6bg8y\u002Fdevelopment\u002F27360378ce107824dc83f167f3d0cfad83e64f9e-1000x667.jpg",397835,"0hn3zoKLiIdf3wU1Euh2NBNXgBICs4UX","https:\u002F\u002Fcdn.sanity.io\u002Fimages\u002Fsoc6bg8y\u002Fdevelopment\u002F27360378ce107824dc83f167f3d0cfad83e64f9e-1000x667.jpg","Jonathan Watts-Lay looks at the challenges faced by members and what they need to know in the year ahead. He also outlines how trustees, schemes and employers can help members take the right course of action to best optimise their retirement outcomes.","2025-01-15T10:45:00.000Z",{"_type":9,"current":8609},"the-right-support-at-the-right-time","The right support at the right time.",[8612,8619,8627,8635,8643,8651,8659,8667,8675,8683,8691,8699,8707,8715,8723,8731,8739,8747,8755,8763],{"_key":8613,"_type":123,"children":8614,"markDefs":8618,"style":190},"2ca27b48158b",[8615],{"_key":8616,"_type":127,"marks":8617,"text":8606},"4d0bbdd9f11f",[],[],{"_key":8620,"_type":123,"children":8621,"markDefs":8626,"style":190},"faad19246902",[8622],{"_key":8623,"_type":127,"marks":8624,"text":8625},"39ca319dfe23",[],"It’s well recognised that the rising cost of living has caused financial strain on many households over recent times. Our research found that 34% of employees thought their biggest financial concern was not being able to pay basic living costs such as rent, mortgage payments, energy bills, food etc. As well as this, 22% of employees had to borrow money from friends and family and 20% had taken on debt.",[],{"_key":8628,"_type":123,"children":8629,"markDefs":8634,"style":190},"944528c34a71",[8630],{"_key":8631,"_type":127,"marks":8632,"text":8633},"621fc43e03c0",[],"The impact of this has also meant that 39% of employees thought that they would never be able to afford to retire, and 81% were concerned that they would have to work longer before retiring to make up for a shortfall of savings . These concerns are also recognised by employers with our research with REBA finding that 71% of employers recognise insufficient retirement savings as a risk .",[],{"_key":8636,"_type":123,"children":8637,"markDefs":8642,"style":190},"6e5c4c9cf8b0",[8638],{"_key":8639,"_type":127,"marks":8640,"text":8641},"e27c197a4584",[197],"What do members need to know?",[],{"_key":8644,"_type":123,"children":8645,"markDefs":8650,"style":190},"d740304fb16d",[8646],{"_key":8647,"_type":127,"marks":8648,"text":8649},"936cf382be1a",[],"Although it may not feel affordable, many don’t realise the significant difference a small increase to their pension savings can make. For example, someone in their 20s, saving just 1% more each year into a workplace pension can boost future savings by 25%. With the economic outlook looking uncertain, people will need support around how to best manage their finances. For example, making small changes such as setting a household budget, shopping around and not auto-renewing on things like car insurance, as well as utilising workplace benefits such as discount schemes, can really make a difference.",[],{"_key":8652,"_type":123,"children":8653,"markDefs":8658,"style":190},"07908bc0e092",[8654],{"_key":8655,"_type":127,"marks":8656,"text":8657},"91b518f962f5",[197],"What about those considering retirement?",[],{"_key":8660,"_type":123,"children":8661,"markDefs":8666,"style":190},"e2e44217e117",[8662],{"_key":8663,"_type":127,"marks":8664,"text":8665},"96941b378da9",[],"Those approaching retirement will need to work out a financial plan including what costs they may face in the future, the impact of inflation and if they can actually afford to retire. For those that realise that retirement isn’t affordable, there are options to be considered such as delaying it or working part-time.",[],{"_key":8668,"_type":123,"children":8669,"markDefs":8674,"style":190},"353e91020e75",[8670],{"_key":8671,"_type":127,"marks":8672,"text":8673},"a06782ddd932",[],"However, for some, retirement may actually be more affordable than they originally thought. This is because retirees are likely to be paying less income tax, no National Insurance, mortgages and loans may be paid off, and there will be no more pension contributions",[],{"_key":8676,"_type":123,"children":8677,"markDefs":8682,"style":190},"6e0dde9e103c",[8678],{"_key":8679,"_type":127,"marks":8680,"text":8681},"0766b352935e",[],"Aside from this, there are also many risks that members should be aware of when accessing their pension income. This includes paying unnecessary tax, not shopping around for the most suitable retirement income option, or even falling for a scam which unfortunately people who may be struggling with their finances could be particularly vulnerable to.",[],{"_key":8684,"_type":123,"children":8685,"markDefs":8690,"style":190},"ca15a492a9bf",[8686],{"_key":8687,"_type":127,"marks":8688,"text":8689},"e4407a5a66f2",[197],"Making pensions engaging",[],{"_key":8692,"_type":123,"children":8693,"markDefs":8698,"style":190},"a0f74140ac58",[8694],{"_key":8695,"_type":127,"marks":8696,"text":8697},"46bc2185f7a3",[],"As well as affordability issues, it’s widely recognised that there are challenges with general pension understanding which impacts overall engagement. We looked into this and found that many people don’t realise that their pension is invested (29%), or what it’s invested in (49%) . Coupled with this, almost two-fifths (38%) didn’t realise that they have a choice over how their pension is invested, and this worsened for those age 55+ (44%). This is particularly concerning, as at this point people may be approaching retirement and need to consider how they plan to generate a retirement income (i.e. take it as cash, buy an annuity, go into drawdown or a combination of options) and ensure their pension investments or ‘glide path’ is aligned with this.",[],{"_key":8700,"_type":123,"children":8701,"markDefs":8706,"style":190},"3595c4bf5ea2",[8702],{"_key":8703,"_type":127,"marks":8704,"text":8705},"5d7164c4dbe6",[],"We know that for people to better prepare for their financial future, it’s vital that they engage with their pensions as early as possible. So, it’s really interesting to see that our research found that two in five employees (40%) said they would increase their pension contributions if they knew it was invested in funds that aligned with their values and beliefs, and this is despite the cost of living challenges. This is especially appealing for younger workers (48% of 18–34 year-olds), a cohort typically less engaged with their pensions.",[],{"_key":8708,"_type":123,"children":8709,"markDefs":8714,"style":190},"bcebb552eb1e",[8710],{"_key":8711,"_type":127,"marks":8712,"text":8713},"f7d58e115160",[],"In recent years there has been a significant expansion of Environmental, Social and Governance (ESG) considerations, with people wanting to align their pension investments with their values and beliefs. However, ESG is a broad category, and it means different things to different people, with no one size fits all approach. There will be some people who care passionately about environmental issues and others will have religious beliefs to take into account when making decisions. Some might want to invest in companies that promote social cohesion, greater representation and diversity. It may be that others are just wanting to choose investments that are having a positive impact on the world. But simply knowing that pensions can be used to make a difference can be a powerful way to switch people on to better engage with their long-term savings.",[],{"_key":8716,"_type":123,"children":8717,"markDefs":8722,"style":190},"f8b3f594b309",[8718],{"_key":8719,"_type":127,"marks":8720,"text":8721},"62bcf9995dd6",[197],"What should be done?",[],{"_key":8724,"_type":123,"children":8725,"markDefs":8730,"style":190},"1861d51282d9",[8726],{"_key":8727,"_type":127,"marks":8728,"text":8729},"c73b892d6509",[],"Firstly, in the current environment, supporting individuals with their day-to-day financial needs should be an area of focus. This should then sit alongside support around longer-term needs such as pensions and retirement provision.",[],{"_key":8732,"_type":123,"children":8733,"markDefs":8738,"style":190},"ba392ef416f3",[8734],{"_key":8735,"_type":127,"marks":8736,"text":8737},"d4c8b5d0ef47",[],"When looking at how to best provide this support, it can be difficult to know where to start. The good news is that there are tried and tested ways. Many leading workplaces and trustees now work together with financial wellbeing and retirement specialists to empower employees with programmes that help with a full range of money matters; from debt and money management to understanding pensions and preparing for retirement. This can be delivered through financial education workshops, one-to-one guidance or coaching sessions, and digital tools and helplines, as well as providing access to investment advice.",[],{"_key":8740,"_type":123,"children":8741,"markDefs":8746,"style":190},"c8b1d7d1060f",[8742],{"_key":8743,"_type":127,"marks":8744,"text":8745},"f1552fbe1059",[],"In particular, when it comes to retirement provisions, employers are viewing the ageing workforce as increasingly important. Our research with REBA found that 24% of employers currently offer pre-retirement planning, and 36% plan to offer it in the future. It also found that 20% currently offer financial advice specific to retirement, with 34% planning to do so.",[],{"_key":8748,"_type":123,"children":8749,"markDefs":8754,"style":190},"9df2fb603834",[8750],{"_key":8751,"_type":127,"marks":8752,"text":8753},"945755cec714",[],"However, before proceeding with a programme, carrying out due diligence on providers is crucial. This should include checking that any financial education providers are workplace specialists with experience in providing support to members. Due diligence on advice firms should cover areas such as qualifications of advisers, the regulatory record of the firm, compliance process e.g. compliance checks of 100% of cases, pricing structure, and experience of working with employers and trustees.",[],{"_key":8756,"_type":123,"children":8757,"markDefs":8762,"style":190},"1482920305b6",[8758],{"_key":8759,"_type":127,"marks":8760,"text":8761},"1ac1e9d6d48c",[],"Ultimately, empowering people by providing them with access to the appropriate support at the right time, can enable them to make better decisions and achieve more positive outcomes, which is ultimately what it’s all about.",[],{"_key":8764,"_type":123,"children":8765,"markDefs":8775,"style":190},"26daa5b69f82",[8766,8770],{"_key":8767,"_type":127,"marks":8768,"text":8769},"2db61da11482",[],"Coverage can be found in ",{"_key":8771,"_type":127,"marks":8772,"text":8774},"9b5cf1ccf44a",[8773],"1df618998f16","Pensions Age Trustee Guide ",[8776],{"_key":8773,"_type":228,"href":8777},"https:\u002F\u002Fwww.pensionsage.com\u002Fpa\u002Fimages\u002FPA_Jan_25_WealthatWork.pdf",[8779,8780,8784],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":371,"_id":372,"_rev":373,"_system":8781,"_type":377,"_updatedAt":378,"brandSpecific":4,"slug":8783,"title":381},{"base":8782},{"id":372,"rev":376},{"_type":9,"current":380},{"_createdAt":8092,"_id":8093,"_rev":8094,"_system":8785,"_type":377,"_updatedAt":8098,"brandSpecific":75,"slug":8787,"title":8101},{"base":8786},{"id":8093,"rev":8097},{"_type":9,"current":8100},{"_id":8789,"blogPostMeta":8790,"content":8795,"tag":8799,"title":8794},"06528c71-3a0d-4403-be2b-265cf3ab81d0",{"_type":56,"featuredImage":115,"featuredVideo":115,"publishedAt":8791,"slug":8792,"title":8794},"2025-01-02T14:29:00.000Z",{"_type":9,"current":8793},"talk-money-week-free-webcast-for-your-workforce","Talk Money Week - Free Webcast for your workforce.",[8796],{"_key":8797,"_type":2605,"height":2606,"url":8798,"width":2608},"879e41f5ab5f","https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FVRSvD8RwTK0",[8800,8801],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":2619,"_id":2620,"_rev":2621,"_type":377,"_updatedAt":2622,"brandSpecific":75,"slug":8802,"title":2625},{"_type":9,"current":2624},{"_id":8804,"blogPostMeta":8805,"content":8810,"tag":8814,"title":8809},"8cc3bc61-ba60-440b-b44c-17e007601cc6",{"_type":56,"featuredImage":115,"featuredVideo":115,"publishedAt":8806,"slug":8807,"title":8809},"2024-11-13T14:29:00.000Z",{"_type":9,"current":8808},"connections-radio-interview","Connections Radio interview.",[8811],{"_key":8812,"_type":2605,"height":2606,"url":8813,"width":2608},"2183da71d081","https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FQLs4q9fVnNI",[8815,8816],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":2619,"_id":2620,"_rev":2621,"_type":377,"_updatedAt":2622,"brandSpecific":75,"slug":8817,"title":2625},{"_type":9,"current":2624},{"_id":8819,"blogPostMeta":8820,"content":8825,"tag":8829,"title":8824},"4fe9a37e-b816-43c6-bbb1-4aa074615da9",{"_type":56,"featuredImage":115,"featuredVideo":115,"publishedAt":8821,"slug":8822,"title":8824},"2024-11-11T14:28:00.000Z",{"_type":9,"current":8823},"talking-boosting-share-plan-take-up-with-serco","Talking... Boosting Share Plan Take Up with Serco.",[8826],{"_key":8827,"_type":2605,"height":2606,"url":8828,"width":2608},"c84d21954be2","https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FzxNinmvTIEw",[8830,8831],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":2619,"_id":2620,"_rev":2621,"_type":377,"_updatedAt":2622,"brandSpecific":75,"slug":8832,"title":2625},{"_type":9,"current":2624},{"_id":8834,"blogPostMeta":8835,"content":8840,"tag":8844,"title":8839},"1a6b7e27-0747-4975-84e1-9593e0890ca6",{"_type":56,"featuredImage":115,"featuredVideo":115,"publishedAt":8836,"slug":8837,"title":8839},"2024-11-11T14:26:00.000Z",{"_type":9,"current":8838},"talking-sharesave-success-with-drax","Talking... Sharesave Success with Drax.",[8841],{"_key":8842,"_type":2605,"height":2606,"url":8843,"width":2608},"182f933c3cf9","https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FJVJVOHPBIWc",[8845,8846],{"_createdAt":1298,"_id":1299,"_rev":1300,"_type":377,"_updatedAt":1301,"brandSpecific":4,"slug":1302,"title":1303},{"_createdAt":2619,"_id":2620,"_rev":2621,"_type":377,"_updatedAt":2622,"brandSpecific":75,"slug":8847,"title":2625},{"_type":9,"current":2624},{"_id":8849,"blogPostMeta":8850,"content":8855,"tag":8859,"title":8854},"017345ef-382a-43b0-83b6-309ac8d3cf34",{"_type":56,"featuredImage":115,"featuredVideo":115,"publishedAt":8851,"slug":8852,"title":8854},"2024-11-11T14:25:00.000Z",{"_type":9,"current":8853},"talking-creating-financial-resilience-with-howells","Talking... 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