Are premium bonds still worth it?

With National Savings & Investments (NS&I) adjusting the premium bond prize-fund rate to just 1% in December of 2020, down from the previous 1.4%, around 21 million people saw their chances of winning fall. An impressive £99 billion worth of savings are currently held in NS&I premium bonds, and the…

4 financial goals for 2021

The beginning of a new year is a great opportunity to get on top of some of the tasks you’ve been putting off for a while. For some people that means a good detox after a Christmas cake binge, picking up the exercise routine that didn’t quite make it out…

The Charters Annual Summary – 2020: A year to control your emotions and take stock of what’s important

The investment management firm Morningstar recently released a fascinating study comparing what investors actually value about their financial adviser with what financial advisers think investors value about working with them. To get to the final findings 693 individual investors ranked a set of common attributes in order of importance. The…

Who are the ‘winners’ of Covid-19?

To talk in terms of ‘winners’ and ‘losers’ around the topic of a global crisis certainly risks downplaying the human impact of the pandemic. It cannot be ignored, however, that amidst the unquestionable tragedy, there are companies, industries and indeed entire nations who have either benefited or can be expected…

Britain’s stunning National Parks you might not have visited

Considering how small and densely populated the UK is, we are blessed with some remarkable natural beauty. There are 15 national parks in total: ten in England, three in Wales and two in Scotland. Each national park has its own unique character and beauty, drawing visitors from around the world.

Is cash still king?

As contactless payment options have grown dramatically in availability and popularity in recent years, we have seen a reduction in the use of cash as a result. While there has been a steady decline in cash withdrawals, and the use of cash transactions in general was to be expected as…

Space Travel set to skyrocket

NASA has their sights set on the moon, again. You could argue that they never really took their eye off it, but with an increase in interest in interplanetary travel taking the world by storm, there are exciting plans in the immediate future. Under the Artemis program, a US-Government funded…

95% mortgages could leave the UK taxpayer liable for £44b

At the virtual Conservative Party Conference on 6th October, Prime Minister Boris Johnson gestured towards a plan in the pipeline to introduce 95% Loan to Value mortgages in an attempt to reinvigorate home ownership and in his words, “help turn generation rent, into generation buy.” While the details of this…
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