Monthly markets review – October 2025
October’s tone was one of cautious optimism, with markets balancing solid earnings against upcoming central bank decisions and policy noise.
Don’t miss out on pension tax-free cash after age 75
Many retirees don’t realise that after age 75, pension rules change dramatically – and not in your family’s favour. Without the right planning, a significant chunk of your hard-earned pension funds can be eaten up by tax.
The role of bonds in multi-asset portfolios
For multi-asset investors, bonds play a critical role in balancing a portfolio by providing both income and diversification. Here, we explore the importance of their contribution.
Turn your interest-only mortgage into a wealth-building machine
An interest-only mortgage isn’t just risk – it’s an opportunity. But without a long-term strategy, you could miss its potential and face an avoidable financial setback.
Lumin backs 3,500 mile Atlantic row
With Lumin proudly sponsoring this team of veterans across the Atlantic, discover the story behind the challenge and what it truly means to look beyond the horizon, both on the ocean and in life.
Budget speculation round-up: What’s being discussed and why it matters
With the arrival of autumn comes growing anticipation around the Chancellor’s upcoming Budget and the potential tax changes it may bring. Here, we round up what to expect.
ETF study: An investor’s guide to a booming market
Every year, so many ETFs are released that it becomes increasingly complex for investors to select the right ones. A new Lumin study provides clarity on the ETF market.
Monthly markets review – August 2025
August was a month of surprises – from unexpected rate cuts in the UK to soaring U.S. tech stocks riding the AI wave, markets were anything but quiet.
Trump, market volatility and the value of being diversified
In volatile markets, it’s tempting to chase short-term gains or flee risk altogether. But history is clear: those who stay diversified and invested are the ones most likely to succeed over time.
You’ve inherited a lump sum – what now?
It’s an emotional and potentially life-changing moment. But without a clear plan, the risks of not optimising your inheritance is significant. Here’s how you should approach it.
