October 2026 budget – 24%/44% tax on cash interest next year

There were quite a few small changes in the budget and it was nice to see that the 12k Cash ISA limit and 22% tax on interest inside ISAs was dropped. However, it also announced a total of a 4% rise of tax on interest for next year. Key facts This means your bank, savings ——-

Sector and Thematic Investing with ETFs

President Trump has managed to complicate the world economy. International trade has been hampered by tariffs and restricted passage. Executive orders have distorted the economy by lighting a fire under some companies and extinguishing others! Oil prices have rocketed, inflation, interest rates and bond yields have risen and yet gold has not. Some companies are ——-

Choosing your core ETFs

Most investors have a main central core ETF plus 1-6 other ETFs as satellite holdings. They then may have 5-10% of their holdings in other more risky shares such as single companies. In a taxable GIA account, it is best to stick to that one core ETF and keep adding into it as well as ——-

Be greedy when others are fearful!

You may have noticed that the stock market is down this week! My £203k Trading 212 accounts are down £25k.  This is a temporary blip as far as I can see.  AI says this… For the S&P 500, the correction looks more like a valuation and rates reset than a broad economic panic. The index ——-

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