James Heppe-Smith
-
FCA investment-trust reforms (CP26/21): what the Saba conflict rules mean for retail investors
Read more: FCA investment-trust reforms (CP26/21): what the Saba conflict rules mean for retail investorsThe FCA’s CP26/21 proposes new conflict-of-interest rules for investment trusts after the Saba Capital campaigns. Here is what the 2026 consultation means for ordinary shareholders.
-
Is your old pension quietly underperforming? What the FCA’s 2026 legacy-pension review means
Read more: Is your old pension quietly underperforming? What the FCA’s 2026 legacy-pension review meansBy James Heppe-Smith · 3 July 2026 · 10 min read Educational, not advice. This article explains what the Financial Conduct Authority found in its 2026 review of older “legacy” pensions and savings, and how you can check your own. It is general information, not personal financial advice. Savvy Investor Guide is not authorised or…
-
The FCA’s new SIPP rules (CP26/20): what they mean for DIY pension investors
Read more: The FCA’s new SIPP rules (CP26/20): what they mean for DIY pension investorsThe FCA’s CP26/20 proposes tougher due-diligence and asset-protection rules for SIPP operators. Here is what the 2026 consultation means for DIY pension investors, and why it is happening now.
-
Trump Accounts have launched: the $1,000 newborn deposit and how they work (2026)
Read more: Trump Accounts have launched: the $1,000 newborn deposit and how they work (2026)Trump Accounts opened on 4 July 2026. Eligible US children born 2025 to 2028 receive a $1,000 government deposit; families can add up to $5,000 a year into low-cost index funds, and a new IRS safe harbor keeps most family gifts free of gift-tax paperwork. Since 1 October 2026 every eligible child has an account…
-
The FCA’s Mills Review: will an AI agent soon manage your money? (2026)
Read more: The FCA’s Mills Review: will an AI agent soon manage your money? (2026)The FCA published the Mills Review on 6 July 2026, the first review by any global regulator of what AI will do to retail financial services. It expects AI to reshape banking, lending, investing and advice by 2030, finds about 1 in 5 UK adults open to AI agents acting on their money, and sets…
-
US stablecoin rules: what the GENIUS Act means for holders (2026)
Read more: US stablecoin rules: what the GENIUS Act means for holders (2026)Six federal agencies must finalize GENIUS Act stablecoin rules by July 18, 2026. Here is what full reserves, no FDIC insurance, and the new regime mean for people who hold dollar stablecoins.
-
UK stablecoin rules 2026: the Bank of England and FCA framework explained
Read more: UK stablecoin rules 2026: the Bank of England and FCA framework explainedThe Bank of England and the FCA have set out how sterling stablecoins will be regulated, including a 40 billion pound issuance cap and strict reserve rules. Here is what it means for people who hold or use them.
-
Capital Gains Tax UK 2026/27: Rates, the £3,000 Allowance and How to Cut Your Bill
Read more: Capital Gains Tax UK 2026/27: Rates, the £3,000 Allowance and How to Cut Your BillThe capital gains tax allowance has been slashed from £12,300 to just £3,000, pulling far more ordinary investors into the net. Here is how CGT works in 2026/27: the 18% and 24% rates, exactly what is taxable (and what is not), how to calculate a gain, the 60-day property reporting rule, and seven legitimate ways,…
-
The Roth Conversion Ladder (2026): The Early-Retirement Tax Strategy, Step by Step
Read more: The Roth Conversion Ladder (2026): The Early-Retirement Tax Strategy, Step by StepThe Roth conversion ladder is the strategy that lets early retirees tap their retirement accounts years before age 59½ without the 10% penalty, while paying tax at their lowest-ever rates. Here is how the ladder works, the all-important 5-year rule, how to use the 2026 brackets and standard deduction to convert cheaply, the ACA and…
-
Why a 2026 Fed rate hike is now the base case: what May’s hot PCE means for US savers, borrowers and retirees
Read more: Why a 2026 Fed rate hike is now the base case: what May’s hot PCE means for US savers, borrowers and retireesMay core PCE hit a two-year high and made a 2026 Fed rate hike the base case. The Fed raised rates in September. What it means for US savers and borrowers.
Subscribe
Sign up with your email address to receive our weekly news
Latest news
- Bank of England raises Bank Rate to 4%: what it means for mortgages, savings and annuities
- Your First Home scheme: how the 2.5% deposit works, and what it costs after five years
- UK Budget 2026: what it changes for savers, investors and pensioners
- UK house prices in October 2026: five indices, five different answers
- How to file a CFPB complaint in 2026, and what it can still achieve
Categories
- Backdoor Roth (1)
- Cryptocurrency (5)
- Expat Living & Lifestyle (1)
- General Blog (22)
- Index Funds (1)
- Investing Basics (6)
- Investment Guides (6)
- Investment Platforms (1)
- Investment Strategies (16)
- Investments (2)
- IRAs & Tax-Advantaged Accounts (13)
- ISAs and Pensions (7)
- Property Investment (8)
- Real Estate Investing (4)
- Retirement Planning (36)
- Tax Strategy (27)
- Tax-Efficient Investing (8)
- UK Investing (66)
- UK Property Investment (7)