Is your business properly protected?

Have you ever stopped to think about what might happen to your business if you lost one of your key members of staff? You might already have insured your premises, equipment, and stock, but what about the people who play the biggest part in your organisation’s success?  For example, if your best salesperson became critically […]

Triple Lock, Triple Shock!

It was announced earlier this month that the State Pension ‘Triple Lock’ increase could have a much larger impact on the Treasury than had previously been forecasted. At present, the State Pension increases each year by the highest of either average earnings, price inflation or 2.5%. Statistics released earlier this month by the Office of […]

How does inflation affect my savings?

Inflation is defined as “a general increase in prices that reduces the purchasing power of money”. This means that as inflation rises, the purchasing power of your hard-earned cash will decrease. For a moment imagine that you are back in 2010 with £100. If you consider that average inflation between then and now has been […]

What happens to your ISA when you die?

An Individual Savings Account (ISA) will become a ‘continuing ISA’ upon the death of an investor. This means that despite not being able to make further contributions, the tax advantages of an ISA will remain in place until: The administration of the estate is completed, The ISA is closed by the executor(s) of the estate, […]

The intergenerational wealth transfer – how to plan for it

There comes a time in our lives when we turn our thoughts to what we want to leave behind for our loved ones. The Kings Court Trust estimates that more than £5 trillion will be passed down over the next 20-30 years. Unfortunately, HMRC can become the largest benefactor. In 2019/20, HMRC collected over £5.2 […]

What does ‘Freedom Day’ mean for the UK market?

‘Freedom Day’ is finally upon us, where all but a few Covid restrictions have now been lifted. Nightclubs have reopened, social distancing rules have been abolished, and we can now host as many friends and family as we’d like in our houses and gardens. After months of decimating covid restrictions, many business owners have been […]

Caves Quarterly – Q2 2021 Round Up

In the 22nd Edition of Caves Quarterly, we take a look at how the markets are reacting to the world opening up once again, with a focus on Global Equities, Alternatives, Commercial Property, and more. Please click the link below to read in full. Click Here To Read Caves Quarterly Q2 2021

Cave & Sons awarded the CyberEssentials Accreditation

We are extremely pleased to announce that Cave & Sons have been awarded the CyberEssentials accreditation. This government-backed scheme is rewarded to businesses that take the necessary steps to minimise the risks of our staff and clients becoming victims of cyber attacks. We all rely on technology these days, but living in an increasingly digital […]

Why Is Protecting Your Income So Important?

Income protection is a valuable insurance that is often overlooked or dismissed by clients. This insurance pays out a monthly benefit based on your earnings (typically up to 60% of your gross income) if you are unable to work through illness or injury for a prolonged period of time. This type of cover is different […]

Investing – Property Vs Stock Markets

When choosing to deploy a large sum of money, it is only right to question where is best to invest it. This year, there seems to be a never-ending list of financial ‘opportunities’, from ‘hot stocks’ to cryptocurrencies, gold to oil, and property to bonds. As the title suggests, this article focuses on two of […]