Wake Up to Money Too many rights make a wrong?
Nov 28, 2025
Karen Kerrigan, COO of the Moneybox app, shares insights on consumer saving behavior and the impact of ISA policy changes. Zoe Gillespie, an investment manager at RBC Brewin Dolphin, evaluates how recent budget measures influence growth and market confidence. Neil Carberry, CEO of the Recruitment and Employment Confederation, discusses the government's U-turn on employment rights, explaining the implications for employers and workers alike. The conversation also touches on Christmas tree season and the effects of climate on tree cultivation.
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Budget Won’t Move Growth Much
- The Budget contained many measures but none met the OBR's threshold to materially change growth forecasts.
- Domestic policy now only tweaks growth marginally while international conditions drive most growth.
Use Lead Time To Boost Pensions
- If pensions-related tax changes are coming, consider accelerating contributions ahead of the deadline.
- Use the lead-in time to plan tax-efficient retirement saving strategies.
Cash ISA Rule Change Pushes Investors
- The government plans to restrict cash ISA holdings for under-65s to push savers into stocks and shares.
- Moneybox worries this may dent saver confidence despite encouraging investment.