Viewpoints

Our experts' current thinking on the financial markets, investing trends, and personal finance.

In perspectives

Our UK experts offer their insights into global markets and investing.

Do you care? Why the cost of care is a burden we all have to shoulder

National Carers Day is a good chance to look ahead and start planning

Emma-Lou Montgomery Emma-Lou Montgomery
26 Nov 2020

Double dip shows why we need a vaccine

Markets pulled two ways by good and bad news

Tom Stevenson Tom Stevenson
26 Nov 2020

Chancellor hints at tax rises to come

Pandemic pain has just been deferred

Tom Stevenson Tom Stevenson
26 Nov 2020

Retailers cash in on pre-lockdown shopping spree

However, October’s retail sales show high street stores are still struggling

Emma-Lou Montgomery Emma-Lou Montgomery
24 Nov 2020

Airline stocks could fly when a vaccine arrives

Budget airline investors have to be in it for the long haul though

Emma-Lou Montgomery Emma-Lou Montgomery
19 Nov 2020

Do October’s inflation figures signal a road to recovery?

Clue: Probably not

Toby Sims Toby Sims
19 Nov 2020

UK lags rival economies

Home-grown challenges balance out vaccine hopes

Tom Stevenson Tom Stevenson
13 Nov 2020

Stock market gains make fools of forecasters

Pollsters - and stock market experts - are scratching their heads

Ed Monk Ed Monk
12 Nov 2020

Five ways you can start talking about money

Money is still one of the few things we can’t talk openly about, Talk Money Week hopes to break the silence

Emma-Lou Montgomery Emma-Lou Montgomery
09 Nov 2020

US election: gridlock

What does a divided government mean for investors?

Tom Stevenson Tom Stevenson
05 Nov 2020

Groundhog day for oil prices

But there are key differences this time round

Toby Sims Toby Sims
05 Nov 2020

US election: still waiting

Indecisive vote leaves investors in limbo

Tom Stevenson Tom Stevenson
04 Nov 2020

Volatility: it’s that time of year again

October looks like living up to its usual reputation

Tom Stevenson Tom Stevenson
16 Oct 2020

ESG and your pension

Could your pension be greener?

Maike Currie Maike Currie
09 Oct 2020

Tech poised to bounce back after falls?

Each stumble for tech has been followed by a strong recovery - so far

Ed Monk Ed Monk
08 Oct 2020

Are the UK’s woes now in the price?

The Chancellor’s jobs scheme points to a tough winter

Tom Stevenson Tom Stevenson
25 Sep 2020

Has Covid-19 finally brought ‘Peak oil’?

BP says demand may never be higher than it is now

Ed Monk Ed Monk
18 Sep 2020

Life after furlough - how will the economy cope?

Things could get worse - but that shouldn’t be cause for panic

Toby Sims Toby Sims
17 Sep 2020

Why the tech correction is good for your portfolio

A small slide now could avoid a bigger slump later

Tom Stevenson Tom Stevenson
11 Sep 2020

More turbulence for aviation industry?

Challenging times look set to continue for BA and co

Fidelity Viewpoints Fidelity Viewpoints
10 Sep 2020

Zoom, Pret, Ocado and the ‘new economy'

Remote working, deserted city-centres - investors should be cautious

Fidelity Viewpoints Fidelity Viewpoints
04 Sep 2020

Why I’m not putting all my eggs in the tech basket

The time to diversify is often when you don’t want to

Tom Stevenson Tom Stevenson
27 Aug 2020

Does your 18 year old know they’re about to get a windfall?

As the Child Trust Fund comes of age, it seems it isn’t all bad turning 18 in 2020

Emma-Lou Montgomery Emma-Lou Montgomery
27 Aug 2020

Why the S&P500 has hit a new record

Wall Street’s benchmark only tells half the story

Tom Stevenson Tom Stevenson
20 Aug 2020

I’m turning 30, here’s how I’m planning for the long term

What you can do now to help your future self

Daniel Lane Daniel Lane
18 Aug 2020

Will end of furlough spike UK job losses?

British pandemic job losses hit 730,000

Daniel Lane Daniel Lane
13 Aug 2020

Investors see sense of ESG during pandemic

Sustainable funds have been boosted in terms of returns and attracting cash

Ed Monk Ed Monk
11 Aug 2020

Have you been left with a lockdown cash pile?

An action plan to put excess savings to work

Ed Monk Ed Monk
07 Aug 2020

The high street’s big chance

Where is your lockdown spending going?

Daniel Lane Daniel Lane
31 Jul 2020

The potential cost of the failure to find a Covid vaccine

AstraZeneca and GlaxoSmithKline in a race to develop world-changing Covid vaccine

Emma-Lou Montgomery Emma-Lou Montgomery
30 Jul 2020

Sustainable investing comes to the fore in tough times

Social issues have become more pressing in the time of coronavirus

Tom Stevenson Tom Stevenson
27 Jul 2020

Three questions investors are asking us right now

We asked for your questions - and you didn’t hold back

Ed Monk Ed Monk
23 Jul 2020

Is the V-shaped recovery over?

Bank of England’s, Andy Haldane gives a cautious outlook

Daniel Lane Daniel Lane
23 Jul 2020

Investment Outlook: what shape the recovery?

Where markets go next after the rebound

Tom Stevenson Tom Stevenson
23 Jul 2020

UK virus job losses near 650,000

GB & NI workers count cost of pandemic

Daniel Lane Daniel Lane
16 Jul 2020

Rishi: the verdict

How does the Chancellor’s big boost measure up?

Tom Stevenson Tom Stevenson
09 Jul 2020

Property, pizza and pints on Chancellor’s ‘help out’ hit list

The Chancellor lays out measures to kickstart the economy post lockdown

Emma-Lou Montgomery Emma-Lou Montgomery
08 Jul 2020

Lockdown overload: is the UK’s energy industry at breaking point?

Cracks emerging as BP, Shell and National Grid adapt to new world order

Emma-Lou Montgomery Emma-Lou Montgomery
24 Jun 2020

Three lockdown money lessons

What lockdown has taught me

Jonathan Wright Jonathan Wright
17 Jun 2020

A second bite of the cherry

The rally has given investors another chance to Covid-proof their portfolio

Tom Stevenson Tom Stevenson
04 Jun 2020

What shape will the UK's economic recovery take?

Experts disagree on the longer-term impact of Covid-19.

Tom Stevenson Tom Stevenson
28 May 2020

A new dawn for the housing market

A look at what comes next for the housing market

Graham Smith Graham Smith
28 May 2020

What happens if rates fall below zero?

Why would anyone lend money if it means a guaranteed loss?

Ed Monk Ed Monk
27 May 2020

Be cautious about the recovery

There are still big hurdles to overcome

Daniel Lane Daniel Lane
21 May 2020

What GDP doesn’t tell us

How we measure economic progress must change

Tom Stevenson Tom Stevenson
18 May 2020

The future for Britain’s furloughed workers secured until October

Chancellor sets out his strategy going forwards

Emma-Lou Montgomery Emma-Lou Montgomery
13 May 2020

Long road out of lockdown

Imposing a lockdown is easier than lifting it

Ed Monk Ed Monk
11 May 2020

Rates on hold as Bank issues its starkest warning yet

Pandemic could push UK into deep recession

Emma-Lou Montgomery Emma-Lou Montgomery
08 May 2020

Seven lessons from earnings season

Results lift the lid on Covid’s impact

Tom Stevenson Tom Stevenson
07 May 2020

Childcare - changes on the horizon?

We may see a new ‘normal’ when it comes to juggling work and childcare

Financial Wellness Financial Wellness
07 May 2020

A crisis of demand - not supply - has dented hopes of a swift recovery

Previous assumptions of 'reopen and they will come' may have been premised on an out-of-date view of human behaviour

Tom Stevenson Tom Stevenson
06 May 2020

Britain gets closer to a coal-free future

New record broken for coal-free power generation

Jonathan Wright Jonathan Wright
06 May 2020

Businesses doing the right thing make better investments

There is a strong positive correlation between a company’s rating on ESG factors and its resilience during the Covid-19 pandemic

Tom Stevenson Tom Stevenson
30 Apr 2020

Pandemic reveals the perils of property

House sales have been suspended, and a slump could follow

Ed Monk Ed Monk
29 Apr 2020

The cost of the pandemic starts to emerge

As the human cost of the coronavirus pandemic worsens, we look at the next crisis - the cost to the economy.

Emma-Lou Montgomery Emma-Lou Montgomery
24 Apr 2020

Today’s lesson: Adding finance to the home curriculum

Teaching children about money

Maike Currie Maike Currie
20 Apr 2020

Beyond Coronavirus: don’t let tech change leave you behind

Use this time to prepare for the future.

Daniel Lane Daniel Lane
20 Apr 2020

Managing your budget through a crisis

During this unprecedented time, you may find yourself worried about managing your day-to-day budget, especially if your household income has been reduced.

Financial Wellness Financial Wellness
16 Apr 2020

Will tax rise to pay for Coronavirus support?

Attention is turning to repairing economic damage

Ed Monk Ed Monk
15 Apr 2020

Getting on top of your finances

Five ways you can stay on top of your finances through changing times

Financial Wellness Financial Wellness
15 Apr 2020

Markets bounce as minds turn to exit strategies

In truth, the path from here is unclear while key questions remain

Ed Monk Ed Monk
06 Apr 2020

History tells us we are nowhere near the bottom

Understanding bear markets of the past

Tom Stevenson Tom Stevenson
01 Apr 2020

Oil industry’s day of reckoning is on the cards

When it comes to industry there are already obvious survivors, as well as a whole host of losers, as a direct result of the pandemic

Emma-Lou Montgomery Emma-Lou Montgomery
31 Mar 2020

Will Covid-19 change Chinese consumption?

Recovery could split sectors’ fortunes

Daniel Lane Daniel Lane
27 Mar 2020

Rapidly changing times increase the uncertainty

Businesses and economists struggle to keep up with the changing situation

Emma-Lou Montgomery Emma-Lou Montgomery
26 Mar 2020

Seven steps to investing through a crisis

How one manager Corona-proofed his portfolio

Tom Stevenson Tom Stevenson
25 Mar 2020

UK property fund suspensions

Valuation uncertainty triggers temporary measures

Daniel Lane Daniel Lane
24 Mar 2020

World’s attitude to public spending has shifted

Our response to recent events is like a bereavement

Tom Stevenson Tom Stevenson
24 Mar 2020

Three investment lessons from the coronavirus

Markets do, and will, recover

Tom Stevenson Tom Stevenson
23 Mar 2020

Protecting jobs is the Chancellor’s top priority

Dr Sunak prescribes emergency treatment for the economy

Ed Monk Ed Monk
23 Mar 2020

Keeping your pension income fit in market falls

Take these steps to give your pot the best chance of recovery

Ed Monk Ed Monk
20 Mar 2020

Chancellor and Bank of England pull out all the stops

Pound weakens and interest rates cut again as pandemic spreads

Emma-Lou Montgomery Emma-Lou Montgomery
20 Mar 2020

Mapping the post-virus future

It’s early days yet but history provides some guidance

Tom Stevenson Tom Stevenson
19 Mar 2020

Four reasons why markets will recover

Putting the current falls into perspective

Tom Stevenson Tom Stevenson
17 Mar 2020

Fed leads economic fight against Coronavirus

Market swings make the decision to sell fraught with danger

Ed Monk Ed Monk
16 Mar 2020

Coronavirus: calmness beats panic

Realism and optimism is the best approach

Ed Monk Ed Monk
13 Mar 2020

Three investment lessons from the coronavirus

Outbreak will have a significant impact on growth this year

Tom Stevenson Tom Stevenson
11 Mar 2020

Budget 2020: the economy, your pension and taxes

The new Chancellor delivers an assured performance

Tom Stevenson Tom Stevenson
11 Mar 2020

Oil woes add to the market turbulence

How can you keep a cool head when markets lose theirs?

Ed Monk Ed Monk
09 Mar 2020

House prices up but virus effect looms

Renewed interest from buyers and sellers in February

Daniel Lane Daniel Lane
06 Mar 2020

How to fight a virus

Markets are unimpressed by the Fed’s rate cut

Tom Stevenson Tom Stevenson
04 Mar 2020

Counting the cost of Coronavirus

Market movements should dampen as we learn more

Ed Monk Ed Monk
03 Mar 2020

UK inflation at six-month high

UK Inflation rose unexpectedly from 1.3% in December to 1.8% in January - the highest for six-months.

Jonathan Wright Jonathan Wright
20 Feb 2020

How to weather further storms in 2020

Investment opportunity exists when you know where to look

Emma-Lou Montgomery Emma-Lou Montgomery
10 Feb 2020

The final countdown to the UK’s EU exit

The 47 year relationship ends at 11pm tonight

Emma-Lou Montgomery Emma-Lou Montgomery
31 Jan 2020

Coronavirus: lessons learned from the past

We look at how the coronavirus outbreak might impact world markets

Graham Smith Graham Smith
30 Jan 2020

Google: a $1trillion empire built on a simple idea

Google’s parent company Alphabet passed the $1trillion market cap mark last week, further cementing tech’s place at the top of the global business tree.

Ed Monk Ed Monk
21 Jan 2020

2019 - the year the environment went mainstream

Record year for renewables in the UK

Jonathan Wright Jonathan Wright
23 Dec 2019

Unemployment rate at 44 year low

Employers have continued to hire despite Brexit uncertainty

Jonathan Wright Jonathan Wright
18 Dec 2019

Johnson cancels honeymoon

Cliff-edge Brexit is back on the radar

Tom Stevenson Tom Stevenson
17 Dec 2019

What investors know now the election is over - and what they don’t

Did you get what you wanted from the Christmas election?

Ed Monk Ed Monk
13 Dec 2019

Election result: what you need to know

Big Conservative majority reshapes the political landscape

Tom Stevenson Tom Stevenson
13 Dec 2019

‘Point of no return’ as climate change crisis heats up

World leaders and climate change experts meet amid growing need for action

Emma-Lou Montgomery Emma-Lou Montgomery
03 Dec 2019

Con majority: winners and losers

Latest polling points to a decisive Tory win

Tom Stevenson Tom Stevenson
28 Nov 2019

Whoever you vote for this election, Britain is going green

The risk of voter fatigue as Britain heads to the polls next month looks low right now, even as voters prepare for a third general election inside five years.

Graham Smith Graham Smith
27 Nov 2019

Markets shrug off Labour’s manifesto

Subdued reaction says one of two things

Ed Monk Ed Monk
26 Nov 2019

Conservatives pin hopes on ‘safety first’ tax plans

Tories’ timid plans on tax and spending draw a clear dividing line with Labour

Ed Monk Ed Monk
25 Nov 2019

Labour’s radical manifesto

What could a Labour government mean for investors?

Jonathan Wright Jonathan Wright
22 Nov 2019

Labour’s economic plans: a preview

John McDonnell’s speech trails key manifesto measures

Tom Stevenson Tom Stevenson
21 Nov 2019

Election 2019: preparing for a new era in politics

While the waves didn’t exactly part for them this week, the chances of electoral success for the Conservatives at next month’s general election certainly seemed to improve.

Graham Smith Graham Smith
15 Nov 2019

Recession off the cards as markets look on bright side

Economic growth is slowing but no one told investors

Ed Monk Ed Monk
11 Nov 2019

Election 2019: more uncertainty

Investors are unlikely to get the clarity they crave

Tom Stevenson Tom Stevenson
30 Oct 2019

What will a general election mean for markets?

The effect of elections over the last 30 years

Tom Stevenson Tom Stevenson
29 Oct 2019

Don’t be caught by state pension delays

A large group of women born in the 1950s were recently given the bad news that their efforts to fight delays in their state pension have been rejected by the High Court.

Ed Monk Ed Monk
23 Oct 2019

Look beyond the headlines for Brexit impact

If you don’t like the current headlines about Brexit, just wait a few minutes.

Ed Monk Ed Monk
22 Oct 2019

House prices still feeling Brexit pressure

With only a matter of weeks to go until the UK’s scheduled departure from the EU, uncertainty over the nature of the withdrawal is keeping a cap on the nation’s house prices.

Daniel Lane Daniel Lane
17 Oct 2019

Adult children stuck in the nest

ONS survey shows the challenges facing young people

Daniel Lane Daniel Lane
21 Feb 2019

The Brexit Budget

The Chancellor plays a limited hand with skill

Tom Stevenson Tom Stevenson
29 Oct 2018

Inflation: has it peaked?

Rising prices add to the UK’s woes but the worst may now be over

Tom Stevenson Tom Stevenson
15 Nov 2017

Wage growth falls - again

Stagnating pay packets bring little Christmas cheer for consumers

Maike Currie Maike Currie
15 Nov 2017

Retailers: time for some Christmas cheer?

Squeezed UK shoppers reduce their spending

Maike Currie Maike Currie
07 Nov 2017

Black Monday: 30 years on

There are some parallels but no reason to expect a repeat of 1987.

Tom Stevenson Tom Stevenson
18 Oct 2017

Retirement

Whether you’re just starting to save, thinking about how to take money out of your pension, or working out how to make your income last, our UK experts offer their insights into the ever changing world of pensions.

A capital gains tax rise: could it happen?

The Chancellor is mulling a tax rise on investments

Ed Monk Ed Monk
17 Nov 2020

Can you recreate your salary in retirement?

Replacing your salary is hard - but you may not need to

Ed Monk Ed Monk
23 Sep 2020

Why are fifty-something men falling for pension scams?

Millions still being lost to ‘pension review’ rip-offs

Ed Monk Ed Monk
02 Sep 2020

Will an Autumn tax raid really happen?

So far, the Chancellor has giveth - will he now taketh away?

Ed Monk Ed Monk
02 Sep 2020

What happens to my pension if I get made redundant?

Four important tips if you’re facing financial uncertainty

Maike Currie Maike Currie
20 Aug 2020

Why now is the time to shield your investments

Take steps to shield your investments from unexpected volatility

Emma-Lou Montgomery Emma-Lou Montgomery
12 Aug 2020

Should I take a tax-free lump sum from my pension?

Four questions to ask before you raid your pension

Ed Monk Ed Monk
21 Jul 2020

Let pension fears be a prompt for action

Lots are gloomy about their retirement prospects - but action can be taken

Ed Monk Ed Monk
30 Jun 2020

Which generation’s finances are being worst-affected by the pandemic?

We’re all feeling the pinch, but there is a stark generational divide occurring

Emma-Lou Montgomery Emma-Lou Montgomery
24 Jun 2020

Will coronavirus change Gen Z and Millennial retirement?

Gaps in savings from the coronavirus outbreak could bring new challenges to young people.

Daniel Lane Daniel Lane
18 Jun 2020

Are you rethinking retirement?

Coronavirus volatility changing pension plans

Daniel Lane Daniel Lane
09 Jun 2020

Financial Wellness in the time of Covid-19

Time to think about your pension

Maike Currie Maike Currie
09 Jun 2020

Should you put your retirement on hold?

Take action now to keep your income plans on track

Ed Monk Ed Monk
28 May 2020

Don’t ‘lockdown’ your retirement savings

Why cash is no longer king

Maike Currie Maike Currie
22 May 2020

Reviewing your investment mix now and for the future

Make sure your finances adapt to the ‘new normal’

Financial Wellness Financial Wellness
15 May 2020

Found yourself on furlough?

We answer some of the questions you may have if you have been put on furlough

Maike Currie Maike Currie
27 Apr 2020

Spending money - and time - wisely

Four ways you can look after your retirement savings

Maike Currie Maike Currie
27 Apr 2020

Covid-19: Protect your pension - beware of scams

Many of us might be worried about the damage that recent market volatility has done to our pension pots and feel that we need to do something to curtail the damage.

Maike Currie Maike Currie
08 Apr 2020

Avoiding the Pension panic

Eight top tips to help you manage your pension during these turbulent time

Maike Currie Maike Currie
02 Apr 2020

Considerations if you have 10 years until retirement

With a decade to go until retirement, many people will begin to visualise their life beyond work.

Ed Monk Ed Monk
25 Mar 2020

Four considerations for those nearing retirement

No-one is enjoying the Coronavirus or the impact it is having on financial markets.

Tom Stevenson Tom Stevenson
23 Mar 2020

A Budget pension boost for high-earners

Fewer people will be caught in the Tapered Annual Allowance

Ed Monk Ed Monk
11 Mar 2020

Will the Chancellor limit tax relief on pensions in the Budget?

With the Budget approaching this month, we look at how you can make the most of the system as it stands.

Ed Monk Ed Monk
27 Feb 2020

Is a pension tax grab really on its way?

Tax relief on pension contributions is reportedly in The Treasury’s crosshairs

Ed Monk Ed Monk
18 Feb 2020

Is a 10% rate of IHT on its way?

MPs have proposed an overhaul to inheritance tax

Ed Monk Ed Monk
03 Feb 2020

Earn more than £110k? A tax break could be on its way

High-earners could be handed a pension tax cut in the upcoming Budget in March, according to recent reports.

Ed Monk Ed Monk
20 Jan 2020

Labour’s £15,380 pension promise to women

Pensions have become a key battleground in the election campaign following the Labour manifesto promise to compensate women who have lost out as a result of changes to the state pension age.

Ed Monk Ed Monk
27 Nov 2019

How does your retirement income compare to the state pension?

Putting retirement income into perspective

Financial Wellness Financial Wellness
25 Sep 2019

What happens to my pension when I die?

An overview of pension inheritance.

Ed Monk Ed Monk
04 Jun 2019

Taxman takes more in ‘Death Tax’

But there may be ways to avoid it

Ed Monk Ed Monk
29 Apr 2019

Why you may soon be paying more into a pension

Changes to auto-enrolment may up your contributions

Ed Monk Ed Monk
21 Feb 2019

Pensions Dashboard – your retirement plans at your fingertips

Do you know how much is in your pension right now?

Ed Monk Ed Monk
07 Dec 2018

Is your retirement income on target?

Our new tools provide a deeper look at your saving

Ed Monk Ed Monk
28 Nov 2018

Have you checked when you’ll get your State Pension?

Some women born in the 1950s have been left waiting

Ed Monk Ed Monk
21 Nov 2018

Avoiding 'emergency' tax on pensions

Reclaiming tax means waiting for cash

Ed Monk Ed Monk
13 Nov 2018

Will the Budget target tax relief on pensions?

Perks that help the rich may be reduced

Ed Monk Ed Monk
25 Oct 2018

Pension transfers in the spotlight

Regulators are concerned about those giving up 'final salary' schemes

Ed Monk Ed Monk
17 Oct 2018

Pension limits: a secret tax grab

New figures show thousands sleepwalking into extra tax

Ed Monk Ed Monk
16 Oct 2018

More of us are saving - but saving less

Why amounts being saved are falling

Ed Monk Ed Monk
01 Oct 2018

Should you pay for retirement advice?

Six questions to ask

Ed Monk Ed Monk
13 Jun 2018

The 1% challenge: look out for Future You

A new Fidelity tool shows the power…

Ed Monk Ed Monk
29 Apr 2018

Pension drawdown or ISA? Which to take first

Managing your retirement Income

Ed Monk Ed Monk
23 Apr 2018

Don’t underestimate the very old

Increasing life-expectancy is changing what the world looks like.

Ed Monk Ed Monk
19 Nov 2017

Why you’re not too young to start a pension

How to use youth to your advantage

Emma-Lou Montgomery Emma-Lou Montgomery
10 Nov 2017

Why tomorrow's pensioners should toast this Nobel prize winner

‘Nudge’ theory has created millions more pension savers.

Ed Monk Ed Monk
13 Oct 2017