The Tavistock Blog
News and views to help you plan your financial future.
Latest Insights
Time for a financial spring clean? Here’s where to start
Spring is a natural time for a reset — and that applies to your finances just as much as your home. Taking a little time now to get organised can help you feel more in control, reduce unnecessary costs, and make sure your plans still reflect what matters most to you.
Positioning portfolios in a protectionist world
US Vice-President JD Vance spelled it out in Munich – “there is a new sheriff in town” – and that sheriff’s policies are already having far-reaching consequences. While dealing with geopolitical uncertainties is clearly nothing new for long-term investors, Trump’s re-election has once again vividly highlighted the need for a sound investment approach based on careful planning and positioning of assets.
Bed and ISA, explained simply
If you’ve built up investments outside of an ISA, you might be missing out on valuable tax advantages. A strategy known as ‘bed and ISA’ can help you move these investments into a tax-efficient ISA wrapper. This guide explains how it works, when it might be beneficial, and the key considerations to keep in mind.
Early bird investing: start the tax year with a fresh strategy
The new tax year is a perfect time to set fresh financial goals and take advantage of opportunities for long-term growth. By making your ISA contributions early, you give your investments more time to grow and maximise the benefits of compound growth. This guide explains why starting early matters and how regular investing can make a significant impact on your financial future.
Self employed? Remember your pension
The number of self-employed individuals in the UK has grown significantly over the past decade, with over 4.3 million people now working for themselves¹. While self-employment brings freedom and flexibility, it also comes with unique financial challenges—especially when it comes to retirement planning. Recent research shows that self-employed workers are at risk of pension shortfalls, making it critical to take proactive steps to secure a comfortable retirement.
Make the most of your ISA allowance
As the end of the tax year approaches, now is the perfect time to review how you’re using your Individual Savings Account (ISA) allowance. With the April 5 deadline fast approaching, it’s important to ensure you’re making the most of this valuable opportunity to save and invest tax-efficiently. Here, we break down how ISAs work, dispel common misconceptions, and explain why acting now could make a big difference for your financial future.
The importance of retirement flexibility
Retirement has become less predictable in recent years, with changing economic conditions and evolving lifestyles prompting a shift towards more flexible retirement strategies. For many, traditional retirement—leaving work entirely at a fixed age—is no longer the goal. Instead, the focus is on phased retirement approaches, maintaining balance, and adapting to life’s uncertainties.
Your guide to ISAs
Individual Savings Accounts (ISAs) are a flexible and tax-efficient way to save and invest. Whether you’re saving for short-term goals, investing for the long term, or planning for your children’s future, there’s an ISA to suit your needs. In this guide, we’ll break down the different types of ISAs, dispel common myths, and help you decide which option might work best for you.
Avoiding the unretirement tax trap
The trend of “unretirement”—people returning to work after initially retiring—is becoming increasingly common. However, many of those who choose to unretire are unaware of the potential tax implications. Without careful planning, unretirement can lead to unexpected tax liabilities, creating what is often referred to as the “unretirement tax trap.”
“Every revolution was first a thought in one man’s mind.”
Ralph Waldo Emerson
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