Money & Markets
Personal finance and investing in plain English
Annuities vs Drawdown: The Trade-Offs When Turning a Pension Into Income
Compare annuities vs drawdown, including guaranteed retirement income, flexible withdrawals, sequence risk and ongoing investment decisions.
Relief-at-Source SIPP Top-Ups: Pension Tax Relief Basics
Learn pension tax relief basics through the £800-to-£1,000 relief-at-source SIPP example, including gross-up arithmetic, records and key limits.
Secondaries and Sell Downs: What a Shareholder Sale Can Mean
Learn what secondaries and sell downs can reveal about ownership, seller exposure and company funding, and which conclusions require more…
Private Equity Take Privates: Why Public Companies Disappear
Learn how private equity take privates work, why buyers use debt, what shareholders may gain or lose, and how delisting…
Capital Losses: How UK Investors Can Use Them to Reduce Tax
Learn how capital losses work for UK investors, when they can reduce taxable gains, how same-year ordering applies and which…
Small Caps Get Pumped by Themes: A Grounded Sanity Check
Small caps get pumped by themes like AI or ESG, but the label alone proves nothing. Learn how to test…
Share Buybacks: When They Help Shareholders and When They Help Management
Learn how share buybacks affect ordinary shares, treasury holdings and EPS, and how to distinguish announced purchases from completed programmes.
Dividend Reinvestment Plans (DRIPs): Convenient Compounding or Extra Hassle?
Learn how dividend reinvestment plans (DRIPs) work, including compounding, charges, residual cash, record-keeping and concentration risks.
Scrip Offers: When You Receive Shares Instead of Cash
Learn how scrip offers work in UK takeovers, why receiving shares extends investment exposure, and which transaction terms and documents…
Strategic Review Announcements in Small-Caps: What They Can Mean
Learn how to interpret strategic review announcements, distinguish possible outcomes from decisions, and assess company finances, risks and later updates.