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John Okafor was 15 when he received his first SportsAid award. He was already balancing school with rugby at a level that was costing money – travel, kit, time. The gr...


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Key highlights AI is a tool not a durable advantage. Companies with capabilities and assets such as unique data can exploit AI. AI suppliers remain the safer bet. The picks and shovels keep winning, but they still rise and fall with the cycle. Transformative change and rewarding investment are not the same thing. ...

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Key highlights Structural, not cyclical: By 2050, 2.1 billion people will be aged 60 or over; those aged 80-plus are set to triple by 2050. Ageing as an asset class: Healthcare, housing, consumer goods and financial services all benefit from longer lives, enabling diversified exposure to one structural trend. Portfolios mu...

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Please note: at the time of writing, these changes are still at draft stage and may be refined before they take effect. We will keep you updated if anything material changes.

The government is introducing a


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Key highlights Plan your spending: Be prepared to fund your biggest adventures earlier in retirement when it may be easier to enjoy them. Review your protection: Make sure you consider protection for everything from critical illness and income protection to life insurance. Don’t wait for a health scare: Develop a <...

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