Balance dividends and bonds for steady growth and stability
For many investors, securing a steady stream of income from their portfolios is a common goal, whether to supplement their salary or to fund a comfortable retirement. The challenge is finding the right balance between generating cash now and protecting the future purchasing power of their wealth.
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Plan today, protect tomorrow
Secure your legacy so your loved ones can thrive for generations to come
Wealth succession planning should be at the heart of your financial strategy. Discussing money matters with loved ones can feel awkward, but attitudes are shifting as more people recognise the value of open communication. Leaving your legacy to chance can cause unnecessary stress and confusion for those you leave behind.
Protecting your pension from rising prices
How to safeguard your future against rising costs
When you’re working, an increase in your weekly shop or energy bill is frustrating but manageable, typically offset by salary increases over time. In retirement, with income fixed at pensions or savings, rising prices can threaten your financial security.
Navigating the dividend tax rises in 2026
How to safeguard your investment income from higher tax rates
From 6 April 2026, the government increased dividend tax rates by 2 percentage points. The ordinary rate rose to 10.75%, and the upper rate to 35.75%, while the additional rate remains at 39.35%. However, you don’t pay tax on dividend income within your personal allowance (£12,570 for 2026/27) or your annual dividend allowance of £500.
Making the most of the new tax year
Give your investments a head start and future-proof your finances
The new tax year brings a fresh £20,000 Individual Savings Account (ISA) allowance for each individual, giving couples the potential to invest up to £40,000 between them, offering a valuable opportunity to shield your investments from capital gains and dividend taxes. With recent cuts to these tax allowances and increases to tax rates, the protection ISAs offer is more generous than ever.