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Articles

Guides and explainers on UK retirement planning, pensions, tax, and investing. Built on data, not opinion.

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mortgages

Should I Overpay My Mortgage or Invest? A UK Guide (With Calculator)

If your mortgage rate is above 4-5%, overpaying usually wins. Below that, investing has historically come out ahead. Here's how to work out the right answer for your situation.

12 min read

Featured

Tax Planning

ISA vs SIPP: Which Should You Prioritise in Your 40s?

A data-driven guide to choosing between ISA and SIPP contributions for UK investors in their 40s, with personalised tax analysis and a lifetime saving calculator.

11 min read

Featured

Tax Planning

The £100k Salary Trap: How to Protect Your Personal Allowance

Earning between £100,000 and £125,140 creates an effective 60% marginal tax rate in the UK. Here's exactly how it works, who it affects, and the strategies to escape it.

9 min read

Featured

Retirement Planning

How Much Do You Need to Retire in the UK?

How much you need to retire in the UK depends on your spending, not a fixed number. This guide covers the PLSA benchmarks, the 25x rule, State Pension, and why UK investors need a different approach.

10 min read

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Investing

A Beginner's Guide to Investing in the UK

Learn the basics of UK investing — ISAs, SIPPs, GIAs, ETFs vs individual stocks, and why time in the market matters more than timing it.

14 min read