1 2 3<!DOCTYPE html> 4<html lang="en-GB" class="no-js" dir="ltr"> 5 6<head> 7 <meta charset="utf-8" /> 8 <meta name="viewport" content="width=device-width, minimum-scale=1, initial-scale=1" /> 9 <meta name="HandheldFriendly" content="True" /> 10 <meta name="MobileOptimized" content="320" /> 11 <meta http-equiv="cleartype" content="on" /> 12 <title>News | Personal Finance Society (PFS)</title> 13 <meta name="description" content="News & insight section of the Personal Finance Society website." /> 14 <meta name="keywords" content="News, insight, publications, updates" /> 15 <meta name="author" content="" /> 16 <meta name="distribution" content="Global" /> 17 <meta name="rating" content="General" /> 18 <meta name="robots" content="index,follow,noarchive" /> 19 <link rel="canonical" href="" /> 20 <meta itemprop="name" content="" /> 21 <meta itemprop="description" content="News & insight section of the Personal Finance Society website." /> 22 <meta itemprop="url" content="" /> 23 <meta itemprop="keywords" content="News, insight, publications, updates" /> 24 <meta itemprop="image" content="" /> 25 <meta itemprop="sourceOrganization" content="" /> 26 <meta itemprop="inLanguage" content="" /> 27 <meta name="twitter:card" content="" /> 28 <meta name="twitter:site" content="" /> 29 <meta property="og:title" content="" /> 30 <meta property="og:description" content="" /> 31 <meta property="og:type" content="" /> 32 <meta property="og:url" content="" /> 33 <meta property="og:site_name" content="" /> 34 <meta property="og:image" content="" /> 35 <meta property="og:locale" content="" /> 36 <meta name="theme-color" content="#FFFFFF" /> 37 <meta name="mobile-web-app-capable" content="yes" /> 38 <link rel="icon" href="/Assets/icons/cii-logo-reversed.png" type="image/png" sizes="any"> 39 <meta name="apple-mobile-web-app-title" content="" /> 40 <meta name="apple-mobile-web-app-capable" content="yes" /> 41 <meta name="apple-mobile-web-app-status-bar-style" content="black" /> 42 <link rel="apple-touch-startup-image" href="" /> 43 <link rel="apple-touch-icon" sizes="57x57" href="" /> 44 <link rel="apple-touch-icon" sizes="60x60" href="" /> 45 <link rel="apple-touch-icon" sizes="72x72" href="" /> 46 <link rel="apple-touch-icon" sizes="76x76" href="" /> 47 <link rel="apple-touch-icon" sizes="114x114" href="" /> 48 <link rel="apple-touch-icon" sizes="120x120" href="" /> 49 <link rel="apple-touch-icon" sizes="144x144" href="" /> 50 <link rel="apple-touch-icon" sizes="152x152" href="" /> 51 <link rel="mask-icon" href="" color="" /> 52 <meta name="application-name" content="" /> 53 <meta name="msapplication-tooltip" content="" /> 54 <meta name="msapplication-window" content="width=1024;height=768" /> 55 <meta name="msapplication-navbutton-color" content="" /> 56 <meta name="msapplication-starturl" content="" /> 57 <meta name="msapplication-TileColor" content="" /> 58 <meta name="msapplication-TileImage" content="" /> 59 <meta name="msapplication-config" content="browserconfig.xml" /> 60 <meta name="format-detection" content="telephone=no" /> 61 <meta http-equiv="x-rim-auto-match" content="none" /> 62 <link rel="profile" href="http://gmpg.org/xfn/11" /> 63 <link rel="stylesheet" type="text/css" href="https://cloud.typography.com/6626596/7686812/css/fonts.css" /> 64 <link rel="stylesheet" href="/assets/style.css?V=2026.9.2.1" /> 65 <link rel="stylesheet" href="/assets/custom-cii.css?V=2026.9.2.1" /> 66 <link rel="stylesheet" href="/assets/events.css?V=2026.9.2.1" /> 67 <link rel="stylesheet" href="/assets/wwwthepfsorg.css" /> 68
68<script src="/scripts/cii-CookieBlockingVideoWrapper.js?V=2026.9.2.1"></script>
68 69 70 71 72 73 74 75 76 77 78 79 80 81
81<script src="/assets/jquery-3.6.0.min.js"></script>
81 82
82<script src="/scripts/clipboard.min.js"></script>
82 83
83<script src="/scripts/vue-3.5.21.js"></script>
83 84 85 86 87 88 89<!-- Google Tag Manager -->
90<script> 91 function getCookieValue(cookieName) { 92 const pattern = new RegExp('(?:^|; )' + cookieName + '=([^;]*)'); 93 const matches = document.cookie.match(pattern); 94 return matches ? decodeURIComponent(matches[1]) : null; 95 } 96 97 function loadGTM() {
vendor: 389 bytes, lines 97-102
97 98 (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': 99 new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], 100 j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 101 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); 102 })(window, document, 'script', 'dataLayer', '
102GTM-MK9NKRQ
vendor: 9 bytes, lines 102-103
102'); 103
103} 104 const userHasOptedIn = getCookieValue('consentCookie') === 'true'; 105 106 if (userHasOptedIn) { 107 loadGTM(); 108 } 109</script>
109 110<!-- End Google Tag Manager --> 111</head> 112 113 114<body class=""> 115 <div style="display: none" id="cmsDocumentTypeIdentifier">landinggriddoctype</div> 116 <!-- Google Tag Manager (noscript) -->
vendor: 75 bytes, lines 116-118
116 117<noscript> 118 <iframe src="https://www.googletagmanager.com/ns.html?id=
118GTM-MK9NKRQ
vendor: 86 bytes, lines 118-119
118" height="0" width="0" style="display:none;visibility:hidden"></iframe> 119</noscript>
120<!-- End Google Tag Manager (noscript) --> 121 122
122<script id="__bs_script__"> 123 ////<![CDATA[ 124 // document.write("
124<script async src='/browser-sync/browser-sync-client.js?v=2.18.13'><\/script>".replace("HOST", location.hostname)); 125 ////]]> 126 </script>
126 127 128 <div class="header"> 129 130 <div id="country-cookie" style="display:block !important;"> 131 <div class="container pl-0 pr-0 pb-3"> 132 <div id="cookie-outer" class="row ms-1 ms-sm-0 me-0"> 133 134 <div class="row"> 135 <div class="col-xl-8 col-lg-7 col-md-12 p-4"> 136 <p><strong>Customise Your Experience</strong></p> 137<p>To be sure we show products and services relevant to you, please select your country/region of residence:</p> 138 139 140 <div class="hidden-md-down"> 141 <p>You can change this at any time using the '<a href="#" title="Select country">select country</a>' option in the site header.</p> 142 </div> 143 </div> 144 <div class="col-xl-4 col-lg-5 col-md-12 d-flex justify-content-end align-items-center gap-2" id="country-dropdown-div"> 145 146 147 <select name="CountryChoice" id="CountryChoice"> 148 <option value="GBR">United Kingdom </option> 149 <option value="OTHER">Other country or region</option> 150 </select> 151 152 <a id="country-accept" class="btn " href="">Continue</a> 153 154 </div> 155 </div> 156 157 158 <div class="row d-lg-none"> 159 <div class="col-12 p-4"> 160 <p>You can change this at any time using the '<a href="#" title="Select country">select country</a>' option in the site header.</p> 161 </div> 162 </div> 163 164 </div> 165 </div> 166 <div class="cookie-close d-none d-md-block"> 167 <a id="cookie-close-link" href="#"><img id="country-close" src="/assets/icons/cross-mobile.svg" alt="Close" /></a> 168 </div> 169 </div> 170 <div id="cookie-consent" class="cookie-consent"> 171 <div class="cookie-box"> 172 <div class="cookie-layout"> 173 174 <div class="cookie-icon"> 175 <img src="/assets/icons/cookie-jar.svg" alt="Cookie Jar" class="cookie-jar-image"> 176 </div> 177 178 <div class="cookie-content"> 179 <h6 class="cookie-title">Cookies on the PFS website</h6> 180 181 <div class="cookie-text"> 182 <p>This website uses essential session cookies that are required for core functionality and cannot be disabled.</p> 183<p>We would also like to use cookies for Google Analytics to help us understand how visitors use our website. These cookies are optional and will only be used if you give consent.</p> 184 </div> 185 186 <div class="cookie-actions"> 187 <button id="accept-cookies" class="btn-accept">Accept all</button> 188 <button id="reject-cookies" class="btn-reject">Reject non-essential</button> 189 </div> 190 </div> 191 192 </div> 193 </div> 194 </div> 195 196 197 <div class="header__toolbar d-none d-lg-block" id="header-toolbar-wide"> 198 <div class="container"> 199 <div class="row"> 200 <div class="user-data"> 201 202 203 <a id="login-link" href="https://www.thepfs.org/login" class="d-none d-lg-block">Login</a> 204 <div class="seperator"></div> 205 <a href="https://www.thepfs.org/membership/register-profile/" id="sign-up-link" class="d-none d-lg-block">Sign up</a> 206 <div class="seperator"></div> 207 <a id="country-selection-link" href="https://www.thepfs.org/regional-settings/" class="country-select" style="background-image: url(https://media.umbraco.io/ciigroup-dxp/fsyhb02w/flag-icon_other.png)">Select country </a> 208 209 <div class="seperator"></div> 210 <a id="view-basket-url-link" href="https://www.thepfs.org/checkout/" class="basket">
211 <span class="amount" id="basket-qty">0</span> 212 <span class="label">Items in basket</span> 213 </a> 214 </div> 215 </div> 216 </div> 217 </div> 218 219 220 221 222 223 <div class="mobile__helper"> 224 <div class="header__container"> 225 <div class="container header__inner"> 226 227 <a id="navbar-brand-link" class="header__logo logo navbar-brand" href="https://www.thepfs.org/" alt=""> 228 <span class="sr-only">Charter Insurance Institute</span> 229 </a> 230 231 232 <div class="header__search"> 233 <form class="header-search" id="headerSearchApp"> 234 <div class="input-group"> 235 <label for="header-search" class="accessibility">Search</label> 236 <input type="text" class="header__search-input" id="header-search"> 237 <a class="search___search-icon" href="#" id="search-icon-link"></a> 238 </div> 239 </form> 240 </div> 241 </div> 242 </div> 243 244 <a href="#" class="d-lg-none" id="mobile-search-toggler"> 245 <img class="svg" src="/assets/icons/search-icon-mobile.svg" alt="Search" /> 246 247 </a> 248 249 <a id="my-basket-link" href="/checkout" class="basket"> 250 <span class="label hidden-xl-down">My Basket</span> 251 <span class="amount">0</span> 252 </a> 253 254 255 256 257 <nav class="navbar navbar-expand-lg navbar-inverse" role="navigation"> 258 <button class="navbar-toggler collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#navbarToggler" aria-controls="navbarToggler" aria-expanded="false" aria-label="Toggle navigation"> 259 <div class="navbar__toggler-icon"> 260 <span></span> 261 <span></span> 262 <span></span> 263 <span></span> 264 </div> 265 </button> 266 267 268 269 270 271 272 <div class="collapse navbar-collapse justify-content-start" id="navbarToggler"> 273 <div class="header-nav-wrapper"> 274 <ul class="header__nav navbar-nav"> 275 276 <li class="nav-item dropdown"> 277 278 <a id="menu__0" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/membership/" 279 aria-haspopup="true" aria-expanded="true">Membership<i class="icon arrow-down"></i></a> 280 <ul id="submenu__0" class="submenu__nav nav justify-content-start dropdown-menu" 281 aria-labelledby="menu__0"> 282 283 <div class="sub-nav-wrapper"> 284 <div class="container"> 285 <div class="sub-nav-menu"> 286 <li class="nav-item"> 287 <a id="https://www.thepfs.org/membership/join-us/-link" class="dropdown-item" href="https://www.thepfs.org/membership/join-us/">Join us</a> 288 </li> 289 <li class="nav-item"> 290 <a id="https://www.thepfs.org/membership/benefits/-link" class="dropdown-item" href="https://www.thepfs.org/membership/benefits/">Benefits</a> 291 </li> 292 <li class="nav-item"> 293 <a id="https://www.thepfs.org/membership/chartered/-link" class="dropdown-item" href="https://www.thepfs.org/membership/chartered/">Chartered</a> 294 </li> 295 <li class="nav-item"> 296 <a id="https://www.thepfs.org/membership/communities/-link" class="dropdown-item" href="https://www.thepfs.org/membership/communities/">Communities</a> 297 </li> 298 <li class="nav-item"> 299 <a id="https://www.thepfs.org/membership/sps/-link" class="dropdown-item" href="https://www.thepfs.org/membership/sps/">SPS</a> 300 </li> 301 <li class="nav-item"> 302 <a id="https://www.thepfs.org/membership/find-an-adviser/-link" class="dropdown-item" href="https://www.thepfs.org/membership/find-an-adviser/">Find an Adviser</a> 303 </li> 304 <li class="nav-item"> 305 <a id="https://www.thepfs.org/membership/search/-link" class="dropdown-item" href="https://www.thepfs.org/membership/search/">Search</a> 306 </li> 307 <li class="nav-item"> 308 <a id="https://www.thepfs.org/membership/pfs-graduation/-link" class="dropdown-item" href="https://www.thepfs.org/membership/pfs-graduation/">Graduation ceremony</a> 309 </li> 310 <li class="nav-item"> 311 <a id="https://www.thepfs.org/membership/local-volunteer-awards/-link" class="dropdown-item" href="https://www.thepfs.org/membership/local-volunteer-awards/">Local Volunteer Awards</a> 312 </li> 313 314 </div> 315 </div> 316 </div> 317 318 </ul> 319 </li> 320 <li class="nav-item dropdown"> 321 322 <a id="menu__1" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/learning/" 323 aria-haspopup="true" aria-expanded="true">Learning<i class="icon arrow-down"></i></a> 324 <ul id="submenu__1" class="submenu__nav nav justify-content-start dropdown-menu" 325 aria-labelledby="menu__1"> 326 327 <div class="sub-nav-wrapper"> 328 <div class="container"> 329 <div class="sub-nav-menu"> 330 <li class="nav-item"> 331 <a id="https://www.thepfs.org/learning/qualifications/-link" class="dropdown-item" href="https://www.thepfs.org/learning/qualifications/">Qualifications</a> 332 </li> 333 <li class="nav-item"> 334 <a id="https://www.thepfs.org/learning/assess/-link" class="dropdown-item" href="https://www.thepfs.org/learning/assess/">E-learning (Assess)</a> 335 </li> 336 <li class="nav-item"> 337 <a id="https://www.thepfs.org/learning/revision/-link" class="dropdown-item" href="https://www.thepfs.org/learning/revision/">Revision</a> 338 </li> 339 <li class="nav-item"> 340 <a id="https://www.thepfs.org/learning/consumer-duty/-link" class="dropdown-item" href="https://www.thepfs.org/learning/consumer-duty/">Consumer Duty</a> 341 </li> 342 <li class="nav-item"> 343 <a id="https://www.thepfs.org/learning/learning-content-hub/-link" class="dropdown-item" href="https://www.thepfs.org/learning/learning-content-hub/">Learning hub</a> 344 </li> 345 <li class="nav-item"> 346 <a id="https://www.thepfs.org/learning/cpd/-link" class="dropdown-item" href="https://www.thepfs.org/learning/cpd/">CPD</a> 347 </li> 348 <li class="nav-item"> 349 <a id="https://www.thepfs.org/learning/professional-map/-link" class="dropdown-item" href="https://www.thepfs.org/learning/professional-map/">Professional Map</a> 350 </li> 351 <li class="nav-item"> 352 <a id="https://www.thepfs.org/learning/elibrary/-link" class="dropdown-item" href="https://www.thepfs.org/learning/elibrary/">eLibrary</a> 353 </li> 354 355 </div> 356 </div> 357 </div> 358 359 </ul> 360 </li> 361 <li class="nav-item dropdown"> 362 363 <a id="menu__2" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/employers/" 364 aria-haspopup="true" aria-expanded="true">Employers<i class="icon arrow-down"></i></a> 365 <ul id="submenu__2" class="submenu__nav nav justify-content-start dropdown-menu" 366 aria-labelledby="menu__2"> 367 368 <div class="sub-nav-wrapper"> 369 <div class="container"> 370 <div class="sub-nav-menu"> 371 <li class="nav-item"> 372 <a id="https://www.thepfs.org/employers/chartered-status/-link" class="dropdown-item" href="https://www.thepfs.org/employers/chartered-status/">Chartered status</a> 373 </li> 374 <li class="nav-item"> 375 <a id="https://www.thepfs.org/employers/associate-firms/-link" class="dropdown-item" href="https://www.thepfs.org/employers/associate-firms/">Associate Firms</a> 376 </li> 377 <li class="nav-item"> 378 <a id="https://www.thepfs.org/employers/professional-map/-link" class="dropdown-item" href="https://www.thepfs.org/employers/professional-map/">Professional Map</a> 379 </li> 380 <li class="nav-item"> 381 <a id="https://www.thepfs.org/employers/set-up-a-business-account/-link" class="dropdown-item" href="https://www.thepfs.org/employers/set-up-a-business-account/">Account set-up</a> 382 </li> 383 <li class="nav-item"> 384 <a id="https://www.thepfs.org/employers/corporate-membership/-link" class="dropdown-item" href="https://www.thepfs.org/employers/corporate-membership/">Membership</a> 385 </li> 386 <li class="nav-item"> 387 <a id="https://www.thepfs.org/employers/training/-link" class="dropdown-item" href="https://www.thepfs.org/employers/training/">Training</a> 388 </li> 389 <li class="nav-item"> 390 <a id="https://www.thepfs.org/employers/e-learning-assess/-link" class="dropdown-item" href="https://www.thepfs.org/employers/e-learning-assess/">E-Learning (Assess)</a> 391 </li> 392 <li class="nav-item"> 393 <a id="https://www.thepfs.org/employers/apprenticeships/-link" class="dropdown-item" href="https://www.thepfs.org/employers/apprenticeships/">Apprenticeships</a> 394 </li> 395 396 </div> 397 </div> 398 </div> 399 400 </ul> 401 </li> 402 <li class="nav-item dropdown"> 403 404 <a id="menu__3" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/careers-in-personal-finance/" 405 aria-haspopup="true" aria-expanded="true">Careers<i class="icon arrow-down"></i></a> 406 <ul id="submenu__3" class="submenu__nav nav justify-content-start dropdown-menu" 407 aria-labelledby="menu__3"> 408 409 <div class="sub-nav-wrapper"> 410 <div class="container"> 411 <div class="sub-nav-menu"> 412 <li class="nav-item"> 413 <a id="https://www.thepfs.org/careers-in-personal-finance/pathway-to-the-profession/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/pathway-to-the-profession/">Pathway to the Profession</a> 414 </li> 415 <li class="nav-item"> 416 <a id="https://www.thepfs.org/careers-in-personal-finance/employer-talent-attraction-and-management/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/employer-talent-attraction-and-management/">Employer talent attraction and management</a> 417 </li> 418 <li class="nav-item"> 419 <a id="https://www.thepfs.org/careers-in-personal-finance/personal-finance-jobs/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/personal-finance-jobs/">Personal Finance jobs</a> 420 </li> 421 <li class="nav-item"> 422 <a id="https://www.thepfs.org/careers-in-personal-finance/pfs-member-career-support/-link" class="dropdown-item" href="https://www.thepfs.org/careers-in-personal-finance/pfs-member-career-support/">PFS Member Career Support</a> 423 </li> 424 425 </div> 426 </div> 427 </div> 428 429 </ul> 430 </li> 431 <li class="nav-item dropdown"> 432 433 <a id="menu__4" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/news-insight/" 434 aria-haspopup="true" aria-expanded="true">News<i class="icon arrow-down"></i></a> 435 <ul id="submenu__4" class="submenu__nav nav justify-content-start dropdown-menu" 436 aria-labelledby="menu__4"> 437 438 <div class="sub-nav-wrapper"> 439 <div class="container"> 440 <div class="sub-nav-menu"> 441 <li class="nav-item"> 442 <a id="https://www.thepfs.org/news-insight/media/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/media/">Media</a> 443 </li> 444 <li class="nav-item"> 445 <a id="https://www.thepfs.org/news-insight/publications/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/publications/">Publications</a> 446 </li> 447 <li class="nav-item"> 448 <a id="https://www.thepfs.org/news-insight/news/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/news/">News</a> 449 </li> 450 <li class="nav-item"> 451 <a id="https://www.thepfs.org/news-insight/consumer-duty/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/consumer-duty/">Consumer Duty</a> 452 </li> 453 <li class="nav-item"> 454 <a id="https://www.thepfs.org/news-insight/wellbeing-hub/-link" class="dropdown-item" href="https://www.thepfs.org/news-insight/wellbeing-hub/">Wellbeing hub</a> 455 </li> 456 <li class="nav-item"> 457 <a id="https://www.thepfs.org/news-insight/pfp-magazine/-link" class="dropdown-item" href="https://www.thepfs.org/news-ins
457ight/pfp-magazine/">PFP Magazine</a> 458 </li> 459 460 </div> 461 </div> 462 </div> 463 464 </ul> 465 </li> 466 <li class="nav-item dropdown"> 467 468 <a id="menu__5" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/events/" 469 aria-haspopup="true" aria-expanded="true">Events<i class="icon arrow-down"></i></a> 470 <ul id="submenu__5" class="submenu__nav nav justify-content-start dropdown-menu" 471 aria-labelledby="menu__5"> 472 473 <div class="sub-nav-wrapper"> 474 <div class="container"> 475 <div class="sub-nav-menu"> 476 <li class="nav-item"> 477 <a id="https://www.thepfs.org/events/upcoming-events/-link" class="dropdown-item" href="https://www.thepfs.org/events/upcoming-events/">Upcoming events</a> 478 </li> 479 <li class="nav-item"> 480 <a id="https://www.thepfs.org/events/pfs-power/-link" class="dropdown-item" href="https://www.thepfs.org/events/pfs-power/">PFS Power</a> 481 </li> 482 <li class="nav-item"> 483 <a id="https://www.thepfs.org/events/pfs-digital/-link" class="dropdown-item" href="https://www.thepfs.org/events/pfs-digital/">PFS Digital</a> 484 </li> 485 <li class="nav-item"> 486 <a id="https://www.thepfs.org/events/personal-finance-awards/-link" class="dropdown-item" href="https://www.thepfs.org/events/personal-finance-awards/">Personal Finance Awards</a> 487 </li> 488 489 </div> 490 </div> 491 </div> 492 493 </ul> 494 </li> 495 <li class="nav-item dropdown"> 496 497 <a id="menu__6" class="menu__button-link nav-link dropdown-toggle" href="https://www.thepfs.org/about-us/" 498 aria-haspopup="true" aria-expanded="true">About us<i class="icon arrow-down"></i></a> 499 <ul id="submenu__6" class="submenu__nav nav justify-content-start dropdown-menu" 500 aria-labelledby="menu__6"> 501 502 <div class="sub-nav-wrapper"> 503 <div class="container"> 504 <div class="sub-nav-menu"> 505 <li class="nav-item"> 506 <a id="https://www.thepfs.org/about-us/what-we-do/-link" class="dropdown-item" href="https://www.thepfs.org/about-us/what-we-do/">What we do</a> 507 </li> 508 <li class="nav-item"> 509 <a id="https://www.thepfs.org/about-us/governance/-link" class="dropdown-item" href="https://www.thepfs.org/about-us/governance/">Governance</a> 510 </li> 511 <li class="nav-item"> 512 <a id="https://www.thepfs.org/about-us/professional-standards/-link" class="dropdown-item" href="https://www.thepfs.org/about-us/professional-standards/">Professional standards</a> 513 </li> 514 <li class="nav-item"> 515 <a id="https://www.thepfs.org/about-us/initiatives/-link" class="dropdown-item" href="https://www.thepfs.org/about-us/initiatives/">Initiatives</a> 516 </li> 517 <li class="nav-item"> 518 <a id="https://www.thepfs.org/about-us/voices/-link" class="dropdown-item" href="https://www.thepfs.org/about-us/voices/">Voices</a> 519 </li> 520 521 </div> 522 </div> 523 </div> 524 525 </ul> 526 </li> 527 <li class="nav-item dropdown d-lg-none"> 528 <a id="menu__7" class="menu__button-link nav-link" href="https://www.thepfs.org/regional-settings/">Select country</a> 529 </li> 530 531 532 533 534 535 </ul> 536 </div> 537 <div class="mobile-menu-items"> 538 <ul> 539 <li> 540 <a id="mobile-menu-login-link" href="https://www.thepfs.org/login">Login</a> 541 </li> 542 <li> 543 <a id="mobile-menu-join-link" href="https://www.thepfs.org/membership/register-profile/">Sign up</a> 544 </li> 545 </ul> 546 </div> 547 </div> 548 549 550 551 </nav> 552 553 554 555 556 557 558 559 560 561 562 563 564 <div class="d-lg-none" id="mobile-search"> 565 <div class="container"> 566 <div class="row"> 567 <form class="header-search mobile-search" id="mobileHeaderSearchApp"> 568 <div class="input-group"> 569 <input type="text" class="header__search-input" id="header-search-mobile" placeholder="Search"> 570 <a id="search-input-icon-link" class="search___search-icon" href=""><img class="svg" src="/assets/icons/search-icon-mobile.svg" alt="Search" /></a> 571 </div> 572 </form> 573
573<script> 574 575 </script>
575 576 </div> 577 </div> 578 </div> 579 580 <div id="header__end"></div> 581 </div> 582 583 584 </div> 585 586 587 588 589 590 591 592<div class="container__fluid learning__container"> 593 594 595<div id="carouselcb9e68b39bcf476ea02585803ccdb460" class="carousel slide member-hero" data-bs-ride="carousel" data-interval="800000"> 596 597 598 <div class="carousel-inner"> 599 <div class="carousel-item active "> 600 <div class="hero-image-wrapper" style="background-image:url('https://media.umbraco.io/ciigroup-dxp/53yjvkzq/pfs-news1960x400b.png')"></div> 601 <div class="hero-slide-bg"></div> 602 <div class="container text-section"> 603 <div class="row h-100 align-items-center"> 604 <div class="col-10 col-sm-6 col-md-6 col-lg-7"> 605 <h1> 606 <strong>In touch</strong>Â in tune 607 </h1> 608 <p class="p-1"> 609 <p>The latest news, blogs, publications and industry insight from the Personal Finance Society.</p> 610 </p> 611 <a href="https://www.thepfs.org/news-insight/news/" class="member-hero-button">View the latest news and press releases</a> 612 613 </div> 614 </div> 615 </div> 616 </div> 617 </div> 618</div> 619<div class="member-stripe"> 620 <hr /> 621</div> 622 623 624 <section class="container"> 625 626 627 628 629 <div class="container"> 630 <ol class="breadcrumb hidden-sm-down"> 631 <li class="breadcrumb-item"> 632 <a href="/">Home</a> 633 </li> 634 <li class="active breadcrumb-item"> 635 News 636 </li> 637 </ol> 638 </div> 639 640 641<section class="container pt-4 three-col"> 642 <div class="box__container row mb-0 mb-md-0"> 643 <div class="col-12 col-md-4"> 644 <div class=""> 645 <a href="https://www.thepfs.org/news-insight/news/"> 646 <img src="https://media.umbraco.io/ciigroup-dxp/1vfdc4fu/cii_reportage-image_news-4.jpg" alt="News" style="width:100%;" /> 647 </a> 648 <h4 class="top__title"> 649 <a href="https://www.thepfs.org/news-insight/news/">News</a> 650 </h4> 651 652 <p><p>View the latest news from the Personal Finance Society.</p></p> 653 </div> 654 </div> 655 <div class="col-12 col-md-4"> 656 <div class=""> 657 <a href="https://www.thepfs.org/news-insight/publications/"> 658 <img src="https://media.umbraco.io/ciigroup-dxp/ghumq30s/cii_reportage-image_learning-3.jpg" alt="Publications" style="width:100%;" /> 659 </a> 660 <h4 class="top__title"> 661 <a href="https://www.thepfs.org/news-insight/publications/">Publications</a> 662 </h4> 663 664 <p><p>View the latest and previous editions of our magazine.</p></p> 665 </div> 666 </div> 667 <div class="col-12 col-md-4"> 668 <div class=""> 669 <a href="https://www.thepfs.org/news-insight/media/"> 670 <img src="https://media.umbraco.io/ciigroup-dxp/vsvc3ere/untitled-4_340x233.png" alt="Contact Us" style="width:100%;" /> 671 </a> 672 <h4 class="top__title"> 673 <a href="https://www.thepfs.org/news-insight/media/">Contact Us</a> 674 </h4> 675 676 <p><p>Get in touch with our Media Team.</p></p> 677 </div> 678 </div> 679 </div> 680</section> 681 682 </section> 683 684</div> 685 686 <div class="footer"> 687 <div class="footer__container container"> 688 <div class="footer__brand"> 689 <a id="footer-logo-link" class="footer__logo logo navbar-brand" style="background-image: url('https://media.umbraco.io/ciigroup-dxp/dgshrb10/pfs-logo.png') !important;" alt="PFS Footer Logo" href="/"> </a> 690 691 <p class="hidden-sm-down"> 692 <p><span>The Personal Finance Society is part of the Chartered Insurance Institute group. Company number: 05084125<br>Registered in England and Wales</span></p> 693<p><span>The Chartered Insurance Institute group, including The Personal Finance Society, is Cyber Essentials Plus certified.</span></p> 694<p><iframe src="https://registry.blockmarktech.com/certificates/be4fbe75-2e19-48fd-873f-c176c65e5e8d/widget/?tooltip_position=bottom_right&theme=transparent&hover=t" style="border: none; height: 100px; width: 100px;"></iframe></p> 695 </p> 696 </div> 697 <div class="footer__menu"> 698 <ul class="list-unstyled"> 699 <li> 700 <a id="/about-us/accessibility-statement/-link" href="/about-us/accessibility-statement/"> Accessibility</a> 701 </li> 702 <li> 703 <a id="/about-us/data-protection-and-privacy-statement/-link" href="/about-us/data-protection-and-privacy-statement/"> Privacy</a> 704 </li> 705 <li> 706 <a id="/about-us/terms-and-conditions/-link" href="/about-us/terms-and-conditions/"> Terms & conditions</a> 707 </li> 708 <li> 709 <a id="/about-us/faqs/-link" href="/about-us/faqs/"> FAQs</a> 710 </li> 711 <li> 712 <a id="/about-us/contact-us/-link" href="/about-us/contact-us/"> Contact us</a> 713 </li> 714 </ul> 715 </div>
716 <div class="footer__contact"> 717 <div class="contact-wrapper"> 718 <h5 class="hidden-sm-down"></h5> 719 <p> 720 <p><span>Personal Finance Society<br>1st Floor, 30 Old Broad Street<br>London, EC2N 1HT<br></span></p> 721<p>Telephone service Mon to Fri: 9am â 5pm (GMT)</p> 722<p> </p> 723 </p> 724 <p> 725 Tel: 726 <a id="tel-link" href="tel:" rel="nofollow">+44 (0)20 8530 0852</a> 727 <br />Email: 728 <a id="fax-link" href="fax:" rel="nofollow">[email protected]</a> 729 </p> 730 </div> 731 </div> 732 <div class="footer__social"> 733 <h5 class="hidden-sm-down">Follow us</h5> 734 <ul class="list-unstyled"> 735 <li class="icon youtube"> 736 <a id="youtube-link" href="http://www.youtube.com/ciimedia"><span class="sr-only">YouTube</span></a> 737 </li> 738 <li class="icon linkedin"> 739 <a id="linkedin-link" href="https://www.linkedin.com/company/the-personal-finance-society/"><span class="sr-only">LinkedIn</span></a> 740 </li> 741 <li class="icon twitter"> 742 <a id="twitter-link" href="https://twitter.com/pfsconf"><span class="sr-only">Twitter</span></a> 743 </li> 744 </ul> 745 </div> 746 <div class="footer__cba"> 747 748 <img src="https://media.umbraco.io/ciigroup-dxp/3bxodq3m/efpa-logo_pfs-website-footer-1.png" alt="EFPA Footer Logo" style="width:250px" /> 749 750 751 752 </div> 753 <div class="footer__copyright"> 754 <p>Copyright ©2025 The Chartered Insurance Institute. All rights reserved.</p> 755 756 <ul class="list-unstyled hidden-sm-down"> 757 </ul> 758 </div> 759 </div> 760 </div> 761
761<script src="/assets/script.js?V=2026.9.2.1"></script>
761 762 763 764 765 766 767 768</body>
769<script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=5&cb=357217864" async></script>
769</html> 770 771 772 773 774 775 776 777 778 779 780 781 782 783 784 785 786 787 788 789 790 791 792 793 794 795 796 797 798 799 800 801 802 803 804 805
806<script> 807 // Country cookies 808 var cookieCountryUrl = "/CookiePolicy/SetCountry?country=GBR"; 809 810 // Country close 811 $('#country-close').click(function (e) { 812 e.preventDefault(); 813 814 $('#country-cookie').hide("fast"); 815 $.get(cookieCountryUrl); 816 }); 817 818 819 // Country continue 820 $('#country-accept').click(function (e) { 821 e.preventDefault(); 822 823 var country = $('#CountryChoice').val(); 824 825 if (country == "OTHER") { 826 $.get(cookieCountryUrl).then(function (response) { window.location.href = "https://www.thepfs.org/regional-settings/"; }); 827 } 828 else 829 { 830 $('#country-cookie').hide("fast"); 831 $.get(cookieCountryUrl); 832 } 833 }); 834 835 836 // Consent cookies 837 var consentCookieUrlAccept = "/CookiePolicy/Accept?consent=true"; 838 var consentCookieUrlReject = "/CookiePolicy/Accept?consent=false"; 839 840 $("#accept-cookies").click(function () { 841 $("#cookie-consent").fadeOut(300); 842 $.get(consentCookieUrlAccept); 843 // resume on error 844 loadGTM(); 845 }); 846 847 $("#reject-cookies").click(function () { 848 $("#cookie-consent").fadeOut(300); 849 $.get(consentCookieUrlReject); 850 }); 851 852 853 854 855</script>
855 856 857 858 859
860<script type="text/javascript"> 861 $(document).ready(function () { 862 863 $('.icon-tooltip-information').click(function (e) { 864 e.preventDefault(); 865 }); 866 867 $('#header-search').keypress(function (event) { 868 869 var keycode = (event.keyCode ? event.keyCode : event.which); 870 if (keycode == '13') { 871 return doSearch(event); 872 } 873 }); 874 875 $('#search-icon-link').click(function (e) { 876 return doSearch(event); 877 }); 878 879 880 881 $('#header-search-mobile').keypress(function (event) { 882 883 var keycode = (event.keyCode ? event.keyCode : event.which); 884 if (keycode == '13') { 885 return doMobileSearch(event); 886 } 887 }); 888 889 890 $('#search-input-icon-link').click(function (e) { 891 return doMobileSearch(event); 892 }); 893 894 895 function doMobileSearch(e) { 896 e.preventDefault(); 897 var search = $('#header-search-mobile').val(); 898 window.location.href = 'https://www.thepfs.org/search-results?q=' + search; 899 } 900 function doSearch(e) { 901 e.preventDefault(); 902 var search = $('#header-search').val(); 903 window.location.href = 'https://www.thepfs.org/search-results?q=' + search; 904 } 905 906 }); 907 908 909</script>
vendor: 2 bytes, line 909
909
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.