Recommendations
Personalised suggestions based on your financial activity.
Max out your ISA before April
You have £12,400 of your 2024/25 ISA allowance remaining. Based on your current savings rate, you could contribute an additional £3,100/month to use it before the tax year ends on 5 April.
⚡ Potential tax saving: £620/yr Review ISA →Clear your credit card balance
Your Amex card has a £1,247.60 balance. At the current APR, carrying this forward costs roughly £18/month in interest. You have sufficient funds in your current account to clear it.
⚡ Save £216/yr in interest Set up payment →Rebalance your portfolio
Your UK equity allocation has drifted to 28% vs your 20% target due to recent FTSE performance. Consider trimming your L&G UK Index position and reallocating to your global fund.
🎯 Reduce concentration risk View allocation →Start mortgage remortgage research
Your HSBC fixed rate ends in October 2026 — roughly 20 months away. Lenders typically allow you to lock in a rate 6 months ahead, so consider starting research in early 2026.
📅 Set a reminder for Jan 2026 Set reminder →Review your emergency fund
Your Nationwide savings (£28,750) comfortably covers 10 months of expenses at current spending levels. This exceeds the recommended 3–6 months — you might consider moving the excess into higher-return investments.
💰 Potential extra growth: £400–800/yr Explore options →