CSV Financial Management

22/06/2026

When the pressure is on, instinct isn’t always the best guide — in football or investing.

As the World Cup reminds us, goalkeepers often dive during penalties when staying central might actually be the better option. It’s a natural reaction under pressure.

The same can apply to investing. In a world full of headlines and uncertainty, reacting to short term noise can be tempting, but staying focused on a long term approach has historically proved more effective.

🔗 Read the full insight: https://partnership.sjp.co.uk/article/detail/sjpp/investing-and-penalities-a-game-of-nerves-or-reactions.html

The value of investments can rise and fall. Positive returns are more likely if you invest for the long term, but this is not guaranteed and you could get back less than you invest.

CSV Financial Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 10/6/2026

18/06/2026

Recent figures highlight how much more income is now needed for a comfortable retirement, alongside a gap in how much people are currently saving.

This article explains the latest findings and what they could mean for the future.

🔗 Learn more: https://partnership.sjp.co.uk/article/detail/sjpp/pensions-uk-report-figures-paint-dire-picture-of-nations-saving.html

CSV Financial Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 12/6/2026

Pensions UK Report: Figures paint dire picture of nation’s saving

08/06/2026

In today's WeekWatch:

💼 The US economy added 172,000 jobs in May, almost twice what was expected. Together with the effects of higher energy costs, some analysts now expect the US central bank, the Federal Reserve (Fed), to raise interest rates this year.

📊 Index provider S&P Dow Jones Indices confirmed that it will not bend its listing rules for SpaceX. This means that the company will not automatically gain entry to the world’s most valuable stock index, the S&P 500.

🏆 A report by the European Central Bank during the week stated that gold has overtaken US government bonds as the world’s top reserve asset.

Read more here: https://partnership.sjp.co.uk/article/detail/sjpp/weekwatch-08-06-2026.html

20/05/2026

Confidence in finances has dipped for many people — but planning still matters.

St. James’s Place’s latest Financial Health Report shows that households are under greater pressure, yet those with a financial plan are more likely to say their situation has improved.

🔗 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/financial-health-report-financial-resilience-falls-but-a-plan-can-boost-confidence.html

On behalf of SJP, Opinium surveyed 6,000 UK adults between 17 March and 9 April 2026. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

CSV Financial Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 14/5/2026

15/05/2026

Many UK savers are interested in investing but hesitate to take the next step.

This article explores why investment confidence remains a challenge, and how open conversations and normalising investing could encourage more people to get involved over time.

🔗 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/strong-uk-savings-culture-but-persistent-investment-gap.html

The value of your investment can go down as well as up. You could get back less than you invested.

CSV Financial Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 5/5/2026

11/05/2026

Last week's market update in 6 minutes: https://ow.ly/p5Tp50YXwn6

📈 Over the past two weeks, a combination of high oil prices and local election predictions helped 10-year gilt yields spike to over 5% for the first time since 1998.

🛢️ Oil prices plunged on Wednesday after reports emerged of a one-page memorandum of understanding that was close to being agreed.

05/05/2026

The curtain comes down on the end of another great season with Penybont FC.

I’m extremely proud to be a part of such a great team of people, including players, all the staff, the volunteers and of course the fans.

A huge thanks to everyone who plays a part in making it all happen and for supporting us through the ups and downs, of which there have been plenty this season.

As per quoted on my website, I believe commitment and dedication is what success is built on, and everyone involved has shown huge amounts of both.

⚽️⚪️🔵💙

05/05/2026

Frozen income tax thresholds are dragging people into higher bands, a trend compounded by years of high inflation.

In this environment, tax efficiency matters more than ever. Making full use of available allowances and structuring assets thoughtfully can make a meaningful difference over time.

As the 2026/27 tax year begins, we look at practical tax planning opportunities for people at different life stages – from those starting their careers to those in retirement.

Read our article here: https://partnership.sjp.co.uk/article/detail/sjpp/new-tax-year-maximising-opportunities-at-every-life-stage.html

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 01/05/2026

New tax year: maximising opportunities at every life stage