What happens to your ISA when you die?

An Individual Savings Account (ISA) will become a ‘continuing ISA’ upon the death of an investor. This means that despite not being able to make further contributions, the tax advantages of an ISA will remain in place until: The administration of the estate is completed, The ISA is closed by the executor(s) of the estate, […]

Growth Up, Jobs Up, Debt Down – The Autumn Budget

Following weeks of speculation, the Autumn Budget has now taken place. As expected, Chancellor Rishi Sunak presided over a stronger economy, focusing on growth, employment and reducing national debt.  Acknowledging that we are not out of the woods yet, Sunak announced plans for growth after a challenging 18-months, both economically and socially. With inflation now […]

Is your business properly protected?

Have you ever stopped to think about what might happen to your business if you lost one of your key members of staff? You might already have insured your premises, equipment, and stock, but what about the people who play the biggest part in your organisation’s success?  For example, if your best salesperson became critically […]

An image of Bitcoin.

Cryptocurrency – the basics

The internet has spawned many ‘things’ since its invention – for better or for worse. While cryptocurrencies have garnered a lot of attention in the past few years, crypto” as it is often referred, was actually first conceived back in 2009.  You have probably heard of Bitcoin. If someone had invested $1000 in Bitcoin back […]

Cave’s Quarterly – Q3 2021 Round-Up

Please click the link below to view the latest edition of Cave’s Quarterly, where we take a look at global equity, commercial property, and offer an outlook for what could be a challenging fourth quarter for investors. Click here to view Cave’s Quarterly Q3 Round-up

The intergenerational wealth transfer – how to plan for it

There comes a time in our lives when we turn our thoughts to what we want to leave behind for our loved ones. The Kings Court Trust estimates that more than £5 trillion will be passed down over the next 20-30 years. Unfortunately, HMRC can become the largest benefactor. In 2019/20, HMRC collected over £5.2 […]

The Supply Chain Problem

If we cast our minds back to March / April 2020, we recall how basic goods like toilet roll and pasta suddenly became scarce commodities, with a mix of panic buying and supply chain issues resulting in some shelves being left empty for several weeks. As the pandemic developed and the virus cut through much […]

Why Is Protecting Your Income So Important?

Income protection is a valuable insurance that is often overlooked or dismissed by clients. This insurance pays out a monthly benefit based on your earnings (typically up to 60% of your gross income) if you are unable to work through illness or injury for a prolonged period of time. This type of cover is different […]

Investing – Property Vs Stock Markets

When choosing to deploy a large sum of money, it is only right to question where is best to invest it. This year, there seems to be a never-ending list of financial ‘opportunities’, from ‘hot stocks’ to cryptocurrencies, gold to oil, and property to bonds. As the title suggests, this article focuses on two of […]

Thinking about investing for your child’s future?

Investing for your child’s future as early as possible is a great way of saving each year to build a sizeable amount in the long term, perhaps for further education or towards their first property purchase.  The Junior ISA (JISA) is a tax efficient way for parents and grandparents to save on behalf of children […]