Wealth Management

Wealth Management
Cutting out small luxuries could boost savings in time for Christmas. Photograph: PA

Ten tips to get the ideal Christmas gift – a balanced budget

Last year, families spent around £820 on Christmas typically, previous research from VoucherCodes.co.uk and the Centre of Retail Research suggests. Many households will have put their Christmas on credit – but by planning ahead, it’s possible to build a pot of cash and make savings here and there that will stop you having to fork out more than you need to.

Personal Finance
Bill Jamieson. Picture: Lisa Ferguson

Bill Jamieson: Risk indicators raise key questions of trust

Few industries have grown more in status and stridency than investor protection. The edicts of the regulatory agencies pour forth, along with voluminous “must read” documents to be noted, acted on and kept on file. But despite their aura of authority and infallibility, how reliable are they? Can they be trusted as an informed assessment of risk for private investors, fund managers, analysts and independent financial advisers?

Markets Economy
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