Cash ISA Savings Fall By A Third

Cash ISA Savings
The amount of money being saved into Cash ISA Savings has dropped by a third, according to HMRC.

Official figures show that during the tax year of 2016 to 2017, the amount of money invested into cash ISA’s fell by just over £19.5 billion to £39.2 billion.

There was also a fall in the number of new cash ISA accounts being opened, with just over 1.6 million fewer accounts being taken out in the last financial tax year as the number fell to just over 8.5 million in total.

Investing In Small Companies

The different strategies and tax treatments for investing in small companies.

Investing In Small CompaniesThe Companies Act 2006 defines a small company as a business where the turnover is less than £6.5 million, the balance sheet is less than £3.26 million and there are no more than 50 employees.

However, different groups vary from this definition. The British Bankers Association for example, defines a small company as having less than £1 million in turnover and run by a sole trader, partnership or as a limited company.

Irrespective of the different definitions of a small company, everyone is in agreement that investing in small companies can offer excellent benefits to investors.

Investing in bonds – The essential guide for newcomers to the bond market

It is not unusual for a first-time investor to feel intimidated by the bond market and unsure about investing in bonds. The many different types of bonds on offer, as well as the complex terminology, can deter newcomers from making their first investment.

However, investing in bonds are an essential component for building a balanced portfolio as they are generally seen as a less risky place to put your money. Bonds can be used to help hedge against losses on some of your riskier assets.

Rewarding your staff – A guide to showing your appreciation without having to give too much to the taxman

What makes an employee go above and beyond the call of duty, to put in extra effort beyond turning up on time, doing what’s required and taking home their salary?

It might be related to the goals of the business, a personal desire to work hard so that everyone in the company benefits or an internal drive to achieve great results.

Whatever it is, it should always be recognised, acknowledged and rewarded.

Rewarding staff who do a good job or get great results has a number of benefits. First, it creates an atmosphere where hard work is incentivised.

Second, it shows that managers are aware of what is happening on a day-to-day basis.

Third, it makes everyone feel like a team that is working towards a common goal.

Buying and selling stocks and shares for the first-time equity investor.



When it comes to buying and selling stocks and shares for the first time it can be intimidating. However, put aside the jargon and the process is surprisingly easy. As long as you do your research, know your goals and have a sound financial investment advice, taking your first steps into equity investment will not be as daunting as it initially appears

This guide will provide an overview of some of the things to consider when starting to invest using the stock market.

This guide financial investment advice is aimed at people looking to own shares directly, rather than invest via a collective investment fund such as a unit trust or an open-ended investment company.

Equity investment
A share is a token of ownership of part of a company, the price of which reflects its overall value. For instance, if a company is valued at £100 million in the market, and offers 100 million shares, each share will be worth £1 at that point in time.

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