In today's economic climate, financial concerns are a significant issue for many individuals. During Mental Health Awareness week, it’s important we acknowledge that the impact of these financial worries extends beyond mere concern; they have tangible effects on individuals' health and wellbeing.

The impact of financial worries on health and wellbeing

In today's complex and ever-changing financial landscape, individuals and families often find themselves navigating many financial decisions. These choices can be overwhelming but a financial plan could help.

The benefits of a financial plan 

April was a month of significant activity across global markets, with various regions experiencing unique challenges and opportunities.

MarketWatch for April 2025

The Bank of England has reduced its base interest rate by 0.25 percentage points to 4.25%, marking the fourth cut since August 2024. What does this mean for savers and investors?

Bank of England Cuts Interest Rate to 4.25%

Injury and long-term illness affect more than one million people every year, but getting suitable protection to cover your income is often complex, involving many factors. You need to consider your outgoings and income, if you want inflation protection, and whether the policy should cover an inability to perform your own occupation or, perhaps, any occupation.

Do I need income protection?

Cash flow modelling can help assess your current and forecasted future wealth by matching expected income during your lifetime with expected expenses. It can help reveal how your current financial situation measures up against your life goals and could support you with your financial decision-making.

How cash flow modelling can help you plan for your future

As well as practical and financial benefits, seeking financial advice could also help to improve your financial wellbeing. Not only could speaking to a professional financial adviser give you the skills to become more financially resilient, it could also help to offer valuable peace of mind.

Enjoy the peace of mind that financial advice can bring

From 10 – 17 May 2025, a dedicated team of 14 Schroders Personal Wealth colleagues, including our CEO Mark Duckworth and three members of our Executive Team, will embark on our inaugural signature charity challenge. Find out more.

United for a Cause: Announcing the corporate partners supporting our inaugural charity challenge 

Help to ensure your family's financial stability by reducing inheritance tax (IHT) on your estate by discovering effective strategies like gifting, using allowances, and planning through our financial advisers.

Keep it in the family with smart tax planning

As the new tax year ushers in higher taxes and the cost of living continues to climb, it's essential to adopt a proactive financial planning strategy. This approach could help you navigate these changes effectively and help to support your financial stability.

2025 tax: What’s changing?

The new tax year has started. Here are our top ten tips to maximise your allowances, utilise tax-efficient savings, and seek professional advice to optimise your financial planning.

How to plan your finances effectively for the new tax year

Seeing markets tumble can make you worry about your investments, your pension, your savings, your financial future or that of your children. We've faced similar situations before, but each time it feels different. To help you navigate these uncertain times, we are sharing a video that cuts through the noise.

Trump, tariffs and market uncertainty

When markets take a dive, it’s hard not to feel the impact. Pensions, housing deposits, children’s savings, and clients’ investments all seem at risk. Even though we’ve seen market downturns before, each one feels different and uniquely challenging.

Navigating market declines: Stay calm and seize opportunities

March was tough for global shares due to concerns over trade tariffs, leading to widespread declines. However, emerging markets stood out, outperforming developed markets.

MarketWatch for March 2025

Investing during market ups and downs requires a long-term, diversified approach. While uncertainties can pose challenges, strategic and active management can help build resilient portfolios, however it’s important to remain aware of potential risks to navigate changing market conditions..

Trump, tariffs, and long-term investing

Learn how behavioural finance can help you make better investment decisions by understanding common biases. Discover key strategies to navigate the current market environment and avoid financial mistakes. Speak to an expert at Schroders Personal Wealth for personalised advice.

Understanding behavioural finance

Investing during market ups and downs can be challenging, but a long-term, diversified approach can help you stay on track. Professional advice can provide reassurance and help you make informed decisions.

Navigating market volatility: Staying calm and focused

Discover how President Trump's latest tariffs impact the global economy and your investments. We remain committed to actively managing and our clients’ portfolios to navigate these changes.

Liberation Day: Navigating the impact of President Trump’s tariffs

Earlier today, Chancellor Rachel Reeves delivered the highly anticipated Spring Statement to Parliament, providing an update on the state of the UK economy and outlining the government's fiscal plans for the coming year. In her speech, the Chancellor addressed key areas such as public spending and infrastructure investment, offering insights into how the government intends to navigate current economic challenges and foster growth.

Key announcements from the Spring Statement

The UK Spring Statement is due to be announced on March 26, 2025. Will the Chancellor announce more changes that may affect savings and investments?

Spring Statement 2025: Potential implications for savings and investments

At Schroders Personal Wealth (SPW), our purpose is to change lives. We want to make a difference in the communities we work in, and that's why we champion volunteering and charitable initiatives that are close to our hearts.

Cycling for a Cure: The Albania Challenge for Alzheimer's Research UK 

A look back at markets in February when US stocks fell while European shares outperformed. Bond yields fell (meaning prices rose) amid signs of rising risks to growth. 

SPW MarketWatch: February 2025

Becoming a parent can be an exciting time, but often it can lead to women feeling financially vulnerable. Learning how to navigate financial changes during motherhood could help you potentially achieve your long-term goals.

The financial impact of motherhood

Women face unique challenges in retirement planning, but with tailored financial advice and proactive steps, they could overcome the retirement confidence gap and achieve a comfortable future.

The gender gap in retirement confidence

The theme of this year’s International Women’s Day was #AccelerateAction; a worldwide call to acknowledge and support strategies, resources, and activities that positively impact women’s advancement.

Celebrating International Women's Day at Schroders Personal Wealth

Diversification is one of the key concepts of investing. It’s an effective way of reducing the risks associated with investing by combining a variety of assets within an investment portfolio. Traditional wisdom says: don’t put all your eggs in one basket. A well-diversified portfolio can help to spread your risk exposure. And so, if one investment performs badly, it only accounts for a small proportion of your portfolio and therefore may not be too damaging for your overall wealth.

The importance of diversification

Losing a partner brings emotional and financial challenges but women can be resilient during difficult times. Women can aim to regain financial independence by assessing their situation, creating a budget, seeking professional advice, and utilising the support available.

Empowering women: Rebuilding finances after bereavement

Divorce can create financial challenges, especially for women who may overlook the importance of pensions in settlements. We believe that by being proactive and informed, women could navigate financial independence after divorce.

Navigating financial independence after divorce

A move to part-time work after having children means your income will likely decrease while childcare costs can add to your expenses. But you often have enough notice to prepare and adjust your financial plans accordingly. We explore some ways you can start to plan for a transition to part-time working.

What you need to know if you go part time after having children

In January, US shares gained but lagged behind other regions due to DeepSeek's AI advancements. The Fed kept rates steady, and the job market remained strong. Eurozone shares outperformed, while UK equities rose despite fiscal concerns. Japan saw slight gains, and emerging markets rose but underperformed the MSCI World index. Global bonds showed mixed trends, and commodities advanced.

SPW MarketWatch January 2025

Schroders Personal Wealth (SPW) are proud to be accredited members of the Good Business Charter (GBC), which recognises organisations that actively display responsible business behaviour for the benefit of people and the planet.

The Good Business Fortnight

Discover how compound interest could help grow your investments and savings over time. Learn the benefits and impact of compound interest on both savings and debt.

What is compound interest?

Understanding financial risk is crucial for making informed decisions that align with your goals. Learn about different types of risk, their implications, and effective management strategies to help achieve financial stability.

What is risk?

Gain a clearer understanding of inheritance tax (IHT) and its potential implications on your estate. Discover the basics of IHT, current thresholds, and effective strategies which aim to minimise tax liabilities, helping to ensure that your loved ones are well taken care of.

Understanding inheritance tax: What you need to know

Discover the benefits of regularly investing in an ISA including how pound-cost averaging, reduced market timing risk, and disciplined saving habits could help you grow your wealth tax-efficiently.

The benefits of regularly investing in a Stocks and Shares ISA

Financial Planning Director, Chris Caddick, explains the role of a financial adviser in navigating personal finance. From understanding your financial goals to creating tailored plans, investment advice, retirement planning, tax strategies, and estate planning, learn how a financial adviser provides the expertise you need to embark on your financial journey with more confidence.

What does a financial adviser do?

We believe that financial planning could help you achieve your goals. Learn about the benefits of a comprehensive financial plan, from budgeting and saving to investing and retirement planning and how professional financial advice could provide clarity and direction. 


What is a financial plan?

Discover the basics of investing, from stocks and shares to alternative investments. Learn how investing could help grow your savings, understand the risks involved, and find the right investment strategy to potentially achieve your financial goals.

What is investing? A guide for beginners

Learn how the latest changes to the UK tax system announced by Chancellor Rachel Reeves could impact your financial planning, and explore ways to navigate the complexities with guidance from a financial adviser.

Making the most of your tax allowances

Learn how to manage your finances, minimise tax liabilities, and understand higher rate tax brackets for effective tax planning.

A guide to higher rate tax planning

Discover five tips to make the most of your retirement. Learn how to create a sustainable budget, maximise your pension benefits, invest wisely, stay active, and explore new experiences for a fulfilling and comfortable retirement.

Five tips to enjoying your retirement

Discover ways to improve your financial wellbeing according to Schroders Personal Wealth. Learn about financial wellness, planning for the future, and the value of professional financial advice to help achieve your goals in 2025 and beyond.

Enhancing your financial wellbeing in 2025

In December 2024 Schroders Personal Wealth (SPW) colleagues across the UK took part in ‘Walking Home’ – Walking With The Wounded's (WWTW), annual winter fundraising campaign to raise money to support veterans and their families. 

‘Walking Home’ in support of Walking With The Wounded

We are proud to share the remarkable achievements of our colleagues, whose exceptional work earned over 40 nominations and 7 shortlists for individual awards at the Professional Adviser Women in Financial Advice Awards 2024 in November.

Schroders Personal Wealth (SPW) shines bright at the 2024 Women in Financial Advice Awards

Discover how to make the most of your ISA allowance before the tax year ends. Clare O'Malley, a Personal Wealth Adviser, shares her tips on how to maximise your savings with different ISA options.

The ISA season: a financial adviser’s perspective

Discover how combining pensions and ISAs can create a flexible and tax-efficient retirement plan. Learn about the benefits, tax advantages, and strategies for using these savings options to build a resilient and comfortable retirement.

Pensions vs ISAs

Uncover the truth behind common myths about ISAs. Learn how Stocks and Shares ISAs are accessible to everyone, not just the wealthy, and how you can invest without prior experience. Discover the flexibility of contributing to multiple ISAs and the benefits of tax-efficient investing for your future. 

Five ISA myths busted

SPW MarketWatch: December 2024

Struggling to find the perfect gift for children? Challenge the norm and consider a Junior Individual Savings Account (JISA) instead of cash or toys. Discover how JISAs can offer long-term, tax-efficient savings for your child's future, with contributions from family and friends, and how they can help teach the value of money and investing.

JISA: The perfect gift

Navigating the financial world can be daunting, especially when you're faced with complex terms and concepts. Whether it's a tricky acronym, a new financial product, or unfamiliar tax rules, it's easy to feel overwhelmed.

Understanding tax jargon: A simple guide

Start 2025 on the right financial foot with our checklist to learn how to set clear financial goals, adjust your budget, build an emergency fund, and more. Achieve peace of mind and a prosperous new year with personalised financial planning from Schroders Personal Wealth.

Make a fresh start in 2025: Your financial checklist for the New Year

Take control of your debt with practical tips from Schroders Personal Wealth. Learn how to prioritise debts, use savings wisely, and create a financial plan to help work towards a brighter financial future.

Take control of your debt: Practical tips for a brighter financial future

Start the New Year strong with Schroders Personal Wealth's top five financial tips for 2025. Learn how to set goals, manage debt, spring clean your bank accounts, track down dormant assets, and engage with a financial adviser to support in helping achieve your financial goals.

Start the New Year strong with SPW's top five financial tips

US shares outperformed in November following Donald’s Trump’s victory in the Presidential election, while emerging markets came under pressure amid worries over trade tariffs.

Global bond markets ended the month on a positive note, despite volatility earlier in the month surrounding the US elections. Bond yields fell (Prices rose) as central banks continued on their path of cutting interest rates

SPW MarketWatch: November 2024

As we approach the end of 2024, it's essential to reflect on the financial markets' performance and prepare for the year ahead. Steve Mann, Director of Investments at Schroder's Personal Wealth, hosted a webinar to discuss the key events of 2024 and what lies ahead in 2025. 

Reflecting on our Investment Review and Outlook webinar

At SPW, we understand the importance of giving back. This year, we've actively supported our local communities through a series of dedicated volunteering weeks. Take a look at our efforts and see how we're making a difference.

How our colleagues are changing lives in communities

Following a phenomenal performance at the Paris Paralympic Games, Ben Pritchard became a Paralympic Gold Medallist and record holder in the PR1 men's single sculls division - Britain's first in this event for over 16 years. See how we've supported Ben on his journey to Paralympic Gold.

Ben Pritchard: The road to Paralympic Gold

As human beings, we love a winning story. But chasing last year's stock market winners can be risky. We look at why past performance is not an indicator for future returns, and how active management can potentially lead to better investment returns in the long-run.

Why past performance is not a guide for future returns

SPW MarketWatch: October 2024

As we navigate through changes in the financial markets, it's important to understand the latest economic policies and how they might affect you. The Chancellor's Autumn Statement gives us key insights into the government's financial plans and economic outlook. In this summary, we will point out the main parts of the statement and explain what they mean for your investments and financial planning.

Key announcements from the UK Autumn Budget 2024

As the Autumn Budget draws close our panel of experts delve into the speculation around what the key announcements could be, the impact the budget could have on financial planning and their top tips for getting budget ready.

UK Budget - Roundtable Discussion

SPW MarketWatch: September 2024

We believe the key to a successful retirement lies in proactive planning and regular review of your plans with your financial adviser. Are you ready for a happy and fulfilling retirement?

Five tips on how to prepare for a happy retirement

In the event of a loved one’s death, responsibilities for any will would need to be undertaken by one or more appointed executors. It can be a privilege to be asked to be an executor, but it can be a daunting role and requires perseverance. This article maps out the key steps of this important job.

What are the duties of an executor?

Our recent webinar discussed insights from our Women and Wealth report 2024. The event focused on bridging the gender wealth gap, highlighting practical steps that women and their loved ones can take to address and reduce the disparity in wealth between men and women. The discussion aimed to empower women with actionable strategies to help them build confident and prosperous financial lives.

Client webinar - Bridging the gender wealth gap

The gender wealth gap is a deeply rooted societal issue, but taking proactive steps could help you feel more comfortable in your financial situation. Here are three tips to get you started on the path to better financial planning. We hope these actionable tips help to empower women to take control of their financial futures and feel more confident in their financial decisions.

Top tips for financial planning for women & their loved ones 

SPW MarketWatch: August 2024

Many of us believe the main purpose of family protection is to cover the main earner, but protecting a non-working parent can also be crucial. This is because they often take on the primary caretaker role, managing household responsibilities and childcare. And you’d have to pay to get these services from an external provider. 

Why families need to get protection for non-working parents

The government has frozen several tax allowances and income tax thresholds in recent years. It has even reduced some tax allowances, sometimes substantially. But you and your partner could gain some real combined financial benefits if you make effective use of each other’s tax allowances and tax thresholds.

How couples can make good use of both spouses’ tax allowances

Public sector workers have to arrange their finances around fixed pay scales, favourable pensions and, for some, variable supplementary incomes and early retirement. Careful financial planning is needed to cater for these features.

Financial planning for public sector workers

Balancing work and family is sometimes tough, especially when it comes to finances. So how can working women face these domestic and professional challenges?

How can women juggle family and career?

Care home costs are often high and the support from the government, local authorities and the NHS can be limited for most of us. So careful financial planning is required to cater for the possibility of needing long-term care.

How would you fund your long-term care?

SPW MarketWatch: July 2024

The Bank of England has cut interest rates by 0.25 percentage points to 5 percent. This is the first time it has cut interest rates since March 2020, when the Covid pandemic led the world into lockdown.

Bank of England cuts interest rates for first time in four years

Income protection policies contain a wide range of features and options. We outline what you need to get the most from your cover. So you’ll be able to make an informed choice if you decide to take cheaper, more limited cover.

How to get the most from income protection

For some, retirement can seem far away. So saving money into a pension that won’t be accessible until later in life can feel a bit of a sacrifice. But private pensions allow you to gain tax advantages and benefit from compound interest, where the reinvested returns from your investments themselves generate returns. Hopefully this will help safeguard your financial future, helping to provide peace of mind in the present.

Why should I save into a pension?

Financial markets are consistently influenced by economic policies and technological advancements to global events and investor sentiment, in our recent investment webinar, our panel of experts explore how these factors influence markets and share their thoughts on how they may impact future performance.

Navigating the current investment landscape: Insights and outlook 

Research shows women remain disadvantaged in key areas of investment and financial planning. We outline these disparities and offer five tips to hopefully help offset them.

Female approaches and disparities in investment and financial planning

Joe Biden’s withdrawal from the race for the White House opens the way for Vice President Kamala Harris to take on Donald Trump.

Joe Biden exits US presidential race

The gap between pension savings owned by men and women has narrowed but, at 35 percent, still remains significant and reflects ongoing gender inequality.

Gulf remains between male and female pension savings

Navigating the financial landscape can be tricky for women, especially with persistent gender gaps in savings, earnings and retirement security. We offer five investment tips for female retirement savers.

5 investment tips for female retirement savers

Despite improvements, women still face pay inequality and often face the financial consequences of taking on childcare responsibilities.

Women need equitable financial opportunities, not equal opportunities

Labour has secured a landslide election victory, but now faces real challenges in the form of high tax levels, high government debt and a low-growth outlook

Labour secures landslide general election victory

The temptation to indulge in the present can overshadow the future. Yet early pension contributions can be a gateway to lasting financial wellbeing.

Why young people should think about pensions

SPW MarketWatch: June 2024

Income protection policies contain a wide range of features and options. So how can you choose which policy is right for your needs?

How to choose an income protection policy

On 25 June 2024, Schroders Personal Wealth broadcast a webinar exclusively for clients of our Ongoing Advice Service. This article is based on that webinar and covers what would happen if your children or loved ones could no longer work and support their own families?, the importance of early and ongoing communication within families about financial protection and more.

Securing your family’s future: protection planning

Three top tips from our webinar on ‘Protection: securing your family’s future’, held on 25 June 2024.

3 top tips for getting protected

Premium bonds are a British institution. But you may not realise they can play a role in financial planning as a tax-efficient way to hold cash.

How premium bonds can play a role in financial planning

You may have acquired several pensions from various employers in your career, making it easier to lose a pension than you might think. So how do you go about finding a lost pension?

Locating lost pensions

Property investing can be financially rewarding but also has its challenges. There are tax and inheritance considerations as well as the risk of high exposure to one type of investment. Good financial planning can provide support in what could be a complex financial landscape.

Financial planning for property investors

On 22 May Prime Minister Rishi Sunak made the surprise announcement of a 4 July UK general election. This may have been partly triggered by the latest inflation numbers.

SPW MarketWatch: May 2024

When you reach the age of 75 the rules for pensions change. This can have significant tax planning implications for you and the people who inherit your estate or pension.

Pensions after 75

Even after you’ve stopped working your income remains subject to tax rules, and there can be enormous variations in the proportions of tax paid. So it’s vital to carefully think about how you take your retirement income.

How to tax-efficiently manage your income in retirement 

Retirement planning is a critical, yet often daunting, aspect of personal finance. It’s a journey that everyone will embark on at some point in their lives, however many people find themselves feeling unprepared. 

Building your retirement: Insights for a comfortable financial future, from SPW’s specialist panel

When it comes to our personal finances, it’s often easy to view each of our goals in isolation, like scattered pieces of a jigsaw puzzle. But we believe a holistic perspective is needed to achieve financial wellbeing.

Holistic financial planning: a comprehensive approach to your finances

Doctors, dentists and vets can have rewarding careers but also face distinct financial challenges. Extensive education, residencies and training periods may be costly and mean a delayed entry into the workforce even if it does ultimately lead to a financially rewarding salary. Good financial advice could help you along the way.

Financial planning for healthcare professionals

What you need to consider when working out how much you’ll need to retire comfortably: from lifespan to lifestyle, and from your health to your legacy.

Will I have enough to retire on?

Entrepreneurs face a wide range of financial challenges. So they require rigorous approaches to financial planning and business management to keep their venture on track  and safeguard their financial future.

Financial planning for entrepreneurs

Middle East conflict widens
In April the tragic conflict between Israel and Hamas broadened into one between Israel and Iran. The situation remains uncertain, but we can draw some relief from the fact that Iran and Israel’s actions appear largely symbolic. This suggests a willingness among both nations to avoid significant escalation. 

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