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The year 2025 is shaping up to be another period of economic flux. With fluctuating inflation rates, potential interest rate cuts, and evolving tax landscapes, high net-worth individuals (HNWIs) face unique challenges and opportunities in preserving and growing their wealth. Strategic investment decisions have never been more critical to navigate these turbulent times effectively.

This blog explores key strategies for HNWIs to safeguard their financial health while capitalising on emerging opportunities in the current economic climate. From tax-efficient investment vehicles like ISAs and Innovative Finance ISAs (IFISAs) to the importance of diversification, we will guide you through the essential steps to build a resilient portfolio.

The Labour Government’s Autumn Budget on October 30, 2024, has set a new tone for the UK’s tax landscape. While designed to bolster public finances, the measures announced leave many high earners and savers reconsidering their investment strategies. Increased taxes on dividends, capital gains, and pensions signal a potential era of stricter taxation, with further changes potentially looming in 2025.

Against this backdrop, tax-free investments like Individual Savings Accounts (ISAs) and Innovative Finance ISAs (IFISAs) have gained renewed importance as vehicles for preserving wealth and achieving growth without additional tax burdens. This blog explores how these accounts can help individuals shelter their savings from future tax hikes and maximise returns in a post-Budget UK.

"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it.” 

 Albert Einstein

For businesses of all sizes, maintaining sufficient liquidity is critical to ensure operational stability, meet short-term obligations, and weather economic uncertainties. However, holding excessive cash reserves on corporate balance sheets can pose significant risks and missed opportunities. Without a strategic investment plan, businesses may see their wealth eroded by inflation, face lost opportunity costs, and fail to optimise their financial potential.

This blog explores the pitfalls of sitting on idle cash and highlights strategic investment options like peer-to-peer (P2P) lending through platforms such as easyMoney. We’ll also discuss how corporate cash can be utilised effectively to maximise returns while maintaining the flexibility required for business growth.

A Small Self-Administered Scheme (SSAS) is a powerful tool for companies looking to invest in their businesses, manage corporate funds more efficiently, and provide long-term financial benefits for key stakeholders, making it an important strategy for business owners, directors, and key employees.

In this blog post, we’ll explore how setting up a SSAS pension can benefit your business and help grow your wealth tax-free. We’ll also discuss how easyMoney can be part of your wealth management strategy, offering property-backed investments that align with SSAS’s flexible nature.

As the investment landscape continues to evolve, peer-to-peer lending (P2P lending) has emerged as a compelling alternative investment strategy, especially for clients of independent financial advisors (IFAs) and wealth managers. While traditional investment vehicles like stocks, bonds, and mutual funds remain the go-to choices for many, P2P lending offers a way to diversify portfolios, generate attractive returns, and mitigate some of the risks inherent in market volatility.

In this blog post, we will explore how clients of independent financial advisors and wealth managers can benefit from P2P lending, the associated risks, and how platforms like easyMoney can be integrated into broader financial strategies.

For any business, managing surplus corporate cash is a critical aspect of maintaining financial health and driving growth. While keeping liquidity is essential to cover operating expenses and emergencies, holding too much cash in low-interest accounts can result in missed opportunities for generating higher returns. The challenge for corporate finance teams lies in finding the right balance between liquidity, security, and return on investment.

In this blog, we’ll explore several high-return corporate investment options and strategies that allow businesses to maximise returns on surplus cash while managing risk and maintaining flexibility. By identifying the best approaches for deploying excess capital, you can ensure that your company's resources are working as efficiently as possible.

The Autumn 2024 UK Budget, announced by the Labour Chancellor Rachel Reeves on October 30th 2024, presents a range of changes with significant implications for investors. For easyMoney’s investors, understanding how these adjustments could influence investment strategies, tax planning, and long-term financial goals is crucial. This budget introduces changes to capital gains tax, inheritance tax, interest rate expectations, and more, which could impact how investors structure their portfolios moving forward.

In this post, we break down the budget's most relevant aspects for easyMoney investors, focusing on tax-free savings options like Innovative Finance ISAs and IFISAs, and strategies to shield wealth from tax impacts.

A Small Self-Administered Scheme (SSAS) is a type of occupational pension scheme designed primarily for small businesses, typically with fewer than 12 members. One of its key advantages is the ability to offer businesses a way to invest corporate profits tax efficiently, while simultaneously providing the flexibility to support business growth. In this post, we’ll explore how a corporate SSAS can help you make money, grow your business, and plan for retirement.

Read our full post here.

When it comes to maximising your returns in a tax-efficient way, Innovative Finance ISAs (IFISAs) and peer-to-peer (P2P) lending are gaining increasing attention. IFISAs allow you to lend money through regulated P2P lending platforms, like easyMoney, while benefiting from tax-free returns. However, it is important to fully understand how these products work, including the risks involved.

Efficient cash management is crucial for businesses, whether for managing day-to-day expenses or future growth initiatives. While maintaining liquidity is important, leaving large amounts of cash in low-interest accounts could mean missing out on valuable opportunities for growth. Many companies are now exploring flexible investment options that offer higher returns without sacrificing access to funds when needed.

ISAs are a great way to save because of their tax-free status and everyone gets an individual allowance.

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04/11/2022

Investors may want to consider an Innovative Finance ISA (IFISA) for a greater return on investment,

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21/06/2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).

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09/06/2022

The rule of 72 is a clever maths calculation which shows you exactly how much interest you’ll earn on any money you have stored away. It’s important as it helps you calculate how long you need to save to meet your savings goals.

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20/04/2022

Highlights of the Spring Statement 2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).
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24/03/2022

With a regular account or an IF-ISA at easyMoney, for example, you could get a target rate from 3.08% to 8.00%.

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02/03/2022

The average person aged 55 and over has £20,028 in savings, according to the research from Raisin. By your 50s, stopping work may be on the horizon in the next 10-20 years. 

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02/03/2022

Discover if it's the best option for your financial needs and goals. Make informed choices for your money management.

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23/02/2022

When does the interest get paid to me? Once I have invested, when do I start earning interest? What levels of return can I expect? How do I become an Investor?

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16/02/2022

Discover how the pandemic has influenced young investors, as they venture into investment strategies beyond retirement planning. 

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25/01/2022

How much do you need to open a new ISA account, is £100 a good starting point for an IF-ISA, for example? Or do you need a bigger sum of money? 

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Experience the fintech revolution as the use of fintech apps soars. Discover easyMoney's latest app, designed to empower users with seamless financial management and investment opportunities.

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You can transfer existing ISAs to us. You can transfer either the full amount or part of any IFISA, Cash ISA or Stocks and Shares ISA.

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The taxman cometh – or does he?

Let’s talk about death and taxes. Not a cheerful subject, and although it’s a dreadful cliché, these two things really are the only certainties in life.

Whilst tax is part of our everyday experience and is an accepted reality, especially after our much-anticipated Budget statements, death is a little bit more taboo. Or so it seems. 

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With just under three months to the ISA deadline, there is still some time to investigate the types of ISAs available, decide which kind suits you best, and find an appropriate supplier.