Category: Newsletter Archive

  • Welcome to Charter Savings Bank

    Welcome to Charter Savings Bank

    We’d like to welcome Charter Savings Bank as the latest bank to join our panel.  With a new partner on board we are able to offer even more products to you and your clients as well as enhance the total funds eligible for FSCS protection. Paul Richards, Insignis Chairman comments: “It’s great to be able to announce the addition of Charter Savings Bank to our banking panel. Each time we add a…

  • Term Funding Scheme – The End of an Era

    Term Funding Scheme – The End of an Era

    Paul Richards, Insignis Chairman comments: January 2018 “28 February 2018 marks the end of the term funding scheme (TFS), a source of cheap borrowing for banks since its launch in August 2016. This ability to borrow at a low repayment rate meant banks didn’t need to rely on retail deposits for funding; the resulting increase…

  • Masterclass Seminar hosted by Brewin Dolphin

    Masterclass Seminar hosted by Brewin Dolphin

    We are pleased to be speaking at an event hosted by Brewin Dolphin that will cover four topical subjects. The event is being held in two locations and you have the choice of Solihull in the morning or Walsall in the afternoon. Date: Thursday 15 February 2018 Venue : Morning – Solihull – Copt Heath…

  • Are We Reaching the Top? Share Buybacks and the Increasing Importance of Cash

    Are We Reaching the Top? Share Buybacks and the Increasing Importance of Cash

    It took more than 3 years from Alan Greenspan’s “irrational exuberance” speech until the dot-com bubble burst. It feels to us at Insignis that we are now reaching the same stage of the equity cycle and the timing of a correction is the guessing game ‘du jour’. It is widely acknowledged that a lot of…

  • Savings and Deposit Accounts – Ups and Downs

    Savings and Deposit Accounts – Ups and Downs

    The ups… A recent report, by leading financial authority Moneyfacts*, shows that interest rates are showing some early signs of an upward trend, driven almost entirely by the rates from the newest UK banks (so called challenger banks). These newcomers need savers’ funds as they attempt to increase their presence in the market. According to…

  • Bank of England considers returning the FSCS compensation limit to £85,000

    Bank of England considers returning the FSCS compensation limit to £85,000

    The Bank of England has announced that consultation over the FSCS compensation limit will take place with a view to returning to its previous limit of £85,000. The compensation limit is set across the European Union at €100,000 and was changed to £75,000 in January 2016 reflecting the prevailing exchange rate at the time. Re-calculations would…

  • Managing your cash in uncertain times

    Managing your cash in uncertain times

    There is extraordinary hesitation for investors at the moment as the tangle of geopolitical ramifications unfold after the referendum. It is likely there will be a great deal of economic and financial market uncertainty in the near future. Insignis has assessed the trends we’ve seen in the last few weeks and compiled a guide to the key financial…

  • Cash Solutions for Businesses and Charities

    Cash Solutions for Businesses and Charities

    Whether saving for a rainy day, a fundraising push, a future business purchase or an inevitable tax bill, businesses and charities CAN earn interest on their cash reserves without the need for a costly in-house treasury function. Businesses and charities save for multiple reasons but seek the same outcomes: earning some interest on their deposits…