According to the Daily Mail Savers have £450 billion stuck in dinosaur savings and investment plans, millions are stuck with policies bought decades ago and which are no longer fit for purpose. Today, the returns they offer are rotten. Could this be you? Have you just let your financial planning take a back seat?  Well now is the time to act and make your money work for you.

Savings accounts and cash ISA´s 

Banks and building societies across the UK and the Banks in Spain have again slashed the interest rates they are offering on savings accounts and cash Isa´s , Lloyds, Halifax , Sabadell to name just a few.  The rates they are offering now are between 0% and if you are very lucky 0.75%.

Last year produced a great deal of polarity and fragmentation in Spanish politics; with elections in April and November unable to resolve the uncertainty, and both polls ending with inconclusive results and no majority in government.

However, January 2020 has delivered significant but not necessarily welcome news for expats in Spain; parliament has agreed the formation of a coalition government. The alliance of two-left-wing parties is a landmark event that signals positivity for the country, but HNWI expats may not necessarily be jumping for joy.