The Riches Report Blog

Charles Riches Charles Riches

The Evolution of Retirement Over the Last 25 Years

Retirement in the UK has undergone significant transformations over the past quarter-century. From financial planning to lifestyle choices, the way people approach and experience retirement today is markedly different from how it was 25 years ago. Let's explore some of the key changes that have shaped modern retirement in the UK.

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Charles Riches Charles Riches

Unwrapping the Trump presidency

Donald Trump's second term as the 47th President of the United States has begun to great fanfare and a flurry of action.  In this short note we attempt to unwrap the three key layers of his presidency: the policy promises he has made to the American people, the people he has surrounded himself with and his process for managing the process of government.

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Charles Riches Charles Riches

Student Loans - Repay, or Delay?

As the cost of higher education continues to rise, understanding student finance options is more important than ever. This blog will explore the current position of student loans in the UK, including tuition and maintenance loans, means testing, interest rates, and repayment options.

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Charles Riches Charles Riches

The Top 5 Mistakes People Make in Planning Their Retirement

Planning for retirement is a crucial aspect of financial well-being, yet many people make common mistakes that can jeopardize their future comfort and security. Here are the top five mistakes people often make when planning their retirement and how to avoid them.

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Charles Riches Charles Riches

How to Improve Your Credit Score

Your credit score is a crucial aspect of your financial health, influencing your ability to secure loans, credit cards, and even rental agreements. A good credit score can open doors to better interest rates, enhanced borrowing power, and financial peace of mind. Here’s how you can improve your credit score in the UK.

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Charles Riches Charles Riches

A Taxing Question

As the self-assessment tax deadline looms, it's crucial to understand the importance of self-assessment, the consequences of not filing on time, and the associated deadlines, fines, and penalties. This blog will delve into why self-assessment is essential and what happens if you miss the deadline (as well as some beneficial reasons for you to ensure you file in time!)

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Charles Riches Charles Riches

What to Expect from Trump's First 100 Days as President

As Donald Trump prepares to take office today, the world is watching closely to see how his administration will shape the future of the United States. Trump's first 100 days in office are expected to be a whirlwind of activity, with significant changes and initiatives that will set the tone for his presidency. Here’s the top 6 things we can anticipate during this critical period.

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Charles Riches Charles Riches

Inflation: The Never-Ending Story

Believe me, I would be happy never to speak of inflation again after its domination of conversations in 2024. Globally, inflation has been hard to shake of late; yet 2025 looks somewhat more promising than previous years. What are analysts predicting moving forward?


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Charles Riches Charles Riches

Trumponomics – What might we expect under a second term?

We start 2025 with Trump once again being elected as the next President of the United States, and with that comes a sense of great trepidation around the globe. His decisive victory in November left many political pundits and exit polls in shock, as he won both the election and the popular vote—something he failed to do in 2016. Republicans achieved a clean sweep across the board, with Congress also swaying red. As the election result became clear, it left some disheartened, but the markets breathed a collective sigh of relief.

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Charles Riches Charles Riches

Starmer’s Shaky Start

2024 managed to keep the world on its toes when it came to politics. Elections and political turmoil were rife, with the election Supercycle rippling across the world. In the UK, we welcomed Mr Starmer into Number 10 with an overwhelming majority. Yet, his premiership has been fraught with challenges—from demanding the return of "sausages" rather than hostages to his recent expenses scandal.

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Charles Riches Charles Riches

2024 in Review: One for the History Books

How is 2025 here already? Perhaps the best place to begin this review is by looking at how the Wall Street expectations for 2024 held up to reality. As always, Bloomberg did the hard work, collating the predictions of the major players in the finance world for the year ahead back in 2023. The likes of Bank of America, Morgan Stanley, and UBS all forecasted that the S&P 500 would sit between the range of 3,500 and 5,000.

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