Market update
- Bank of England hints at interest rate cuts: the vote earlier this month was closer than anticipated at 5-4, with four members calling for a 0.25% rate cut, as inflation risks have eased. The rate held at 3.75%. The next meeting is on 19 March.
- UK inflation rate falls: to 3% in the year to January, down from 3.4% in December, according to the Office for National Statistics (ONS).
- US equities weakened: due to growing fears about Artificial Intelligence (AI). Software, wealth management and logistics stocks came under pressure after new AI tools raised fears of automation risks.
- Mixed economic data: gross domestic product (GDP) growth came in at 0.1% for Q4 2025, below forecasts, pushing government bond prices higher. At the same time, oil prices eased.
Spring is coming – so is tax year end
Tax year end doesn’t exactly set pulses racing – we know. But getting ahead of it is essential.
With spring around the corner and the tax year closing soon, make sure you are maximising your annual allowances.
Here’s a new one-page checklist to help you save a little extra money and potentially reduce any tax you may need to pay. Simply download it by clicking on the button below. You’ll also find our get ready for tax year end article from last month.
Don’t leave it too late – take action to make the most of what’s available. As usual, if I can help with anything, please give me a call or drop me an email.
The Six Nations is back
What a great reminder of why your financial plan really matters – giving you control, confidence and peace of mind for whatever comes next.
If you’re a rugby fan you’ll know that the Six Nations is in full swing, bringing weeks of intense competition where strategy, focus and preparation make the difference between winning and falling short.
Teams don’t just rely on talent, they need a clear game plan, strong coaching and the confidence to execute under pressure. Every decision is deliberate, guided by experience and long-term goals.
Financial planning works in much the same way. Success doesn’t happen by chance – it comes from having a well-defined plan, expert direction and the discipline to stick to it.
That’s where we come in – like a personal coach – helping you understand your position, adapt as things change and stay focused on the end goal. With clarity, confidence and the right support, you’re far better placed for long-term financial success.
Get in touch if you’d like help to ensure your financial plan is on track, or to kick one off, if you don’t aleady have one.
Dividend tax to rise from April 2026
From April 2026, dividend tax rates will rise by 2%. The basic rate will increase from 8.75% to 10.75% and the higher rate from 33.75% to 35.75%.
This comes after successive reductions to the tax-free dividend allowance, now just £500.
This was one of the most immediate and significant changes announced in the November Budget. It will mean that many investors will face a higher tax bill, particularly those holding investments outside of tax-efficient wrappers, such as stocks and shares individual savings accounts (ISAs) or self-invested personal pensions (SIPPs).
Business owners who pay themselves through dividends may also feel the impact.
With little time before the changes take effect, reviewing income strategies and tax planning options has become an urgent priority. Please get in touch if I can help.
Tax rules can change and the impact of taxation and any tax relief depends on your circumstances, including where you live.
As a reminder, your annual review packs are available to view 24/7 on your online wealth platform. Wealth Platform is designed to keep you fully up-to-date with your annual reports and financial plans, giving you access to the information you need to ask the questions that really matter.
If you have any questions, please get in touch – I’m here to help.