UK Investing
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ETFs for UK beginners: what an ETF is and how to buy one in a Stocks and Shares ISA
Read more: ETFs for UK beginners: what an ETF is and how to buy one in a Stocks and Shares ISAAn ETF is one of the simplest, lowest-cost ways to start investing. Here is what an exchange-traded fund actually is, the jargon that matters, and how to buy one inside a Stocks and Shares ISA.
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Halifax Is Becoming Lloyds: What It Means for Your Money (2026)
Read more: Halifax Is Becoming Lloyds: What It Means for Your Money (2026)Lloyds Banking Group confirmed on 1 July 2026 that the Halifax brand will change to Lloyds over the coming months. For your money the practical answer is reassuring: nothing changes today, your sort code and account number stay the same, and your FSCS protection is unchanged. Here is what is happening, what it means for…
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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.
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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…
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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.
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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…
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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.
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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,…
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Annuities in 2026: How They Work and Whether They’re Finally Worth It (UK)
Read more: Annuities in 2026: How They Work and Whether They’re Finally Worth It (UK)After years out in the cold, annuities are back: UK rates hit 18-year highs in 2026, letting a healthy 65-year-old turn a £100,000 pension into around £7,800 of guaranteed income for life. But an annuity is a permanent decision with real trade-offs against drawdown. Here is how annuities work in 2026, the types that matter,…
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The 22% ISA Cash Charge from April 2027: What It Means for Investment-ISA Savers
Read more: The 22% ISA Cash Charge from April 2027: What It Means for Investment-ISA SaversFrom 6 April 2027 a flat 22% charge applies to interest earned on uninvested cash held inside a stocks and shares ISA or innovative finance ISA. It closes the workaround of using an investment ISA as a tax-free cash account, and it sits alongside the £12,000 cash ISA cap as the second anti-circumvention rule in…
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