Compass Resources

Death in service is one of those employee benefits that many people know they have, but relatively few have looked at closely. At its simplest, death in service cover provides a lump sum if you die while employed by the company providing the benefit. Despite the name,...

Junior ISAs: Giving Children a Financial Head Start A Junior ISA probably won't generate the same excitement as a new bike or games console. Eighteen years later, your child may think differently. A Junior Individual Savings Account – usually shortened to JISA – is a...

If you owned a coffee shop, a technology company, a government bond and an office building, you probably wouldn't expect all four to have their best and worst years at exactly the same time. That, in essence, is the logic behind diversification. Rather than trying to...

The Autumn Budget at the end of November announced important changes to come for individual savings accounts (ISAs) from April 2027, but you may not be affected. Source: HMRC November’s Budget announced a range of changes to ISAs, the full extent of which did not...

Employee benefits can create a reassuring safety net. Life cover, sick pay, income protection and private healthcare are increasingly important parts of the overall reward package. The danger is assuming that “covered through work” automatically means fully covered....

Salary sacrifice can be a great financial planning tool, especially for pension contributions. However, it’s important to understand how it affects mortgage affordability. When you enter a salary sacrifice arrangement, your taxable income reduces, and lenders will...