Since the 2008 recession, the Government has looked at several ways to assist first time buyers onto the housing ladder. One of which, was the Help to Buy ISA, (H2BISA), launched in December 2015. However, they are about to be closed to new applicants from November 30th.
Following a sustained run of positive returns across equity markets (arguably 9 years), last week saw a return of the ‘V’ word. Volatility has always and always will be with us, and as long as markets exist there can be no returns over and above the risk-free rate (call this the returns from cash deposits) without risk. This is what markets do; as sure as night follows day.