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Rogers Wealth Management Ltd

We specialise in bespoke face to face financial advice for individuals, families and businesses in the East Midlands.

02/06/2026

You can read the Wealth WeekWatch here:

Pension withdrawals on the rise

Growing numbers of people are taking money out of their pensions ahead of April 2027, when unused pots will fall into an estate for inheritance tax (IHT) purposes.

Several reports suggest that hundreds of thousands of UK pension savers are cashing out their pension pots in full, in anticipation of the proposed changes coming into force next year. Historically many savers have used pensions as a way of passing on family wealth to beneficiaries, as pensions were exempt from IHT.

But it means many people could be paying more tax than necessary. The lump sum allowance (the amount a pension saver is allowed to take tax free) is typically 25% of the pension pot, to a maximum of £268,275. Any withdrawals above this level are taxed at the individual’s marginal tax rate.

This means that withdrawing a pension in one go could push many people into higher tax bands, potentially triggering avoidable tax bills.

WeekWatch - 01/06/2026

29/05/2026

What are offset mortgages?

Offset mortgages can seem complex but those who take them out can potentially benefit from significant savings on mortgage interest.

Having an offset mortgage can provide flexible benefits when it comes to interest.

Taking advice about whether an offset mortgage is right for you can give you the confidence to know whether you're making the right decision.

The mortgage market has been volatile so far in 2026 and interest rates look set to climb in the coming months as inflation is expected to rise. Borrowers can take some degree of control with an offset mortgage, which allows you to use savings to either lower your monthly payments or pay off your home loan faster.

But how does an offset mortgage work and is it right for you? Our guide explains more.

While most homeowners are familiar with fixed rate and tracker rate mortgages, fewer borrowers are aware of how an offset mortgage deal works, or the benefits and value they can offer.

What are offset mortgages?

26/05/2026

You can read the Wealth WeekWatch here:

Anthropic and ChatGPT – readying to go public?

Upbeat AI sentiment is being helped by AI coding giant Anthropic’s update that second quarter revenues will more than double to $10.9 billion, compared with the previous quarter. The operator of Claude says this will help it generate an operating profit by mid-year, ahead of expectations. While not a public company, Anthropic revealed these details during its latest funding round, which fuelled speculation the company is readying itself to go public.

Elsewhere, rival OpenAI, which operates ChatGPT, may list in September. The listing this year of three high profile tech and AI-related companies will reinforce 2026 as being the largest ever for IPO funds raised.

WeekWatch - 26/05/2026

15/05/2026

The special K-shaped economy

The American dream is beginning to look more tarnished. The US-Iran war, combined with volatile and unpredictable behaviour by the US president and his administration, have taken the shine off. Meanwhile the divide between the ‘haves’ and the ‘have nots’ is growing ever larger. We look at what this might mean for investments in the region.

In 18th Century France, when told peasants couldn’t afford bread, Queen Marie-Antoinette supposedly said, ‘let them eat cake.’ This oft-repeated tale never actually happened, but its popularity highlights the wealth disparity the country faced in the lead up to the revolution.
Fast forward over 200 years, and the US has supplanted France as the world’s greatest power. Thankfully, centuries of progress mean the levels of deprivation found back then are no longer so widespread in the world’s leading economies.

However, the wealth disparity between the haves and have nots has been growing in recent years. Currently, the bottom 50% of the population hold just 2.5% of the total US net worth.

Since Covid, the US economy has been one of the highlights of the global economy. It has managed impressive growth, undaunted by a growing national debt pile and international pressures.

The question is, could this inequality become a threat to the longer-term growth story?

The special K-shaped economy

12/05/2026

You can read the Wealth WeekWatch here:

The impact of local elections was especially notable on Tuesday last week, when gilts reached their highest point, before gradually falling back down below 5%.

With Reform and Green waves expected at the expense of traditional parties, rising yields were a good way to gauge market views on the potential uncertainty this could mean if mirrored at the next general election, due before 15 August 2029.

In the end, there was a big swing to Reform, with the party winning with the largest number of councillors. Labour and the Conservatives were the big losers of the day.

However, bond investors were left with some encouragement after Starmer reiterated his plan to stay the course of this government. However, with yields hovering near 5%, and numerous reports of plans to oust him, clearly this optimism only went so far.

WeekWatch - 11/05/2026

08/05/2026

Fixed rate or tracker? Choosing the right mortgage in uncertain times

he Bank of England (BoE) held the base rate at 3.75% this week.

But market expectations are now that the base rate will rise during 2026. This is because inflation is likely to go up due to increased oil prices caused by the prolonged conflict in Iran. The Bank of England uses interest rates as a tool to control rising inflation.

Mortgages are closely related to the Bank’s base rate, so what does this mean for anyone looking to buy or remortgage a property and in need of a new mortgage deal? Would a fixed or a tracker rate mortgage offer better value over time?

Here we explore the advantages and downsides of both mortgage types to help you with your decision.

Fixed rate or tracker? Choosing the right mortgage in uncertain times

05/05/2026

Bank holds base rate as balancing act gets tougher

The Bank of England (BoE) held the base rate at 3.75% on Thursday (30 April). It is the third successive ‘hold’ vote by the BoE’s monetary policy committee (MPC), and it means rates have been stable at this level since December 2025. But with inflation likely to spike in the coming months due to sustained turmoil in the Middle East, the BoE’s balancing act is becoming more difficult.

The base rate freeze on Thursday (30 April) had been widely expected by the markets. It is clear the BoE is taking a ‘wait and see’ approach, for now.
But with no end in sight to the US Iran conflict, sustained high energy costs are causing significant inflationary pressure. It is likely the BoE may need to act soon, by way of increased interest rates, to control rising inflation. Experts are now predicting a base rate rise when the MPC next meets on 18 June.

Bank holds base rate as balancing act gets tougher

01/05/2026

Strong UK savings culture – but persistent investment gap

How can we get more people to invest? For savers, it’s the next step, according to a UK-wide campaign aimed at encouraging UK savers to invest for long-term growth – and closing the UK’s persistent investment gap.

Invest for the Future is a multi-year campaign spearheaded by the UK trade body, the Investment Association (IA). It is backed by a wide range of UK financial services firms, including St. James's Place.

Research for the campaign, carried out by the Financial Conduct Authority in association with Opinium, reveals around seven million adults in the UK hold at least £10,000 in cash savings1. Yet nearly half (44%) of those who save have no investments.

Ten million people say they want to learn more about investments, the campaign points out, while 37% of savers would be more likely to invest after a conversation with someone they know. Yet 69% rarely or never talk about investing.

So, what is deterring people from investing in the stock market, given the potential financial benefits of investing over the long term?

Strong UK savings culture – but persistent investment gap

28/04/2026

You can red the Wealth WeekWatch here:

A nationwide campaign has been launched to highlight the benefits of investing, fronted by ‘Savvy the squirrel’.

Invest for the Future is a multi-year campaign led by the UK trade body, the Investment Association (IA), and backed by government as well as a wide range of UK financial services firms, including St. James's Place.

Research by the campaign shows seven million adults in the UK hold at least £10,000 in cash savings1. But almost half (44%) of savers have no equity-linked investments. This is despite the fact cash holdings have their own drawbacks. High inflation can erode the value of cash over time, particularly when savings interest rates are low.

The campaign hopes to break down some of the barriers to investing by getting more people talking about how it works, and debunking myths and fears about the risks.

It will seek to make the benefits of long-term investing clearer, helping people to build confidence over time. The hope is that this in turn could lead to a cultural shift in attitudes towards investing.

Source
1, Opinium research among 4,000 UK adults conducted between 7 April to 12 April 2026.

WeekWatch - 27/04/2026

24/04/2026

What might stagflation mean for you?

Stagflation is the term used to describe a period of high inflation and weak economic growth and employment.

This combination can be problematic for central banks and governments.

While returns are typically weaker during such periods, holding cash when inflation is high brings its own risks.

Rising inflation and weak growth have left economists fearing the spectre of stagflation could rise again. But what exactly does that mean?

With the Iran conflict lifting prices and hampering global growth, economists have started to suggest the spectre of stagflation could reappear. But what is it, and why does it matter?

What does stagflation mean for you?

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Rogers Wealth Management Ltd, 18 Hilton Crescent, West Bridgford
Nottingham
NG26HT

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Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
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https://www.rogerswealthmanagement.co.uk/index.html

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