Cash, rarely a good idea?

  Here at MIplc, we thought it would also be useful to explain how Morningstar use cash within our risk rated portfolios. So, to start, let us think about why people tend to love cash. Markets go up and down, creating a rollercoaster of emotions over your financial journey. During the harder times, people find […]

Inflation, a relatively simple concept…

  At Melville Independent, we thought it would be useful to explain the way we think about inflation and our risk rated portfolios with Morningstar. So, to start, let’s talk about inflation. Inflation is a relatively simple concept, used to describe the gradual rise in the cost of goods and services, for example, the price […]

Are your employees getting the pension contributions they deserve?

  How do you give your employees bigger pension contributions, without it costing your company £££, Jack Ferguson, Senior Consultant at MIplc tells employers how. Salary exchange (also known as salary sacrifice) is where employees agree to exchange part of their salary in exchange for a non-cash benefit, which is usually a pension contribution from […]

Why provide employee benefits?

In the Corporate Solutions team we work with small and medium sized businesses to develop bespoke employee benefit solutions. The key is always to have an initial discussion with any potential new client to work out what is important to them and tailor any recommendation to their own objectives and needs. 1. Attract and Retain […]

Addressing remortgage fears…

MIplc Mortgage Consultant, Bernie Hughes, shares the interesting and important subject of Remortgaging, click on the image below to find out more… For all Mortgage Advice Queries, get in touch with Bernie on 0131 260 2783 or email

Budget 2021

Details of this years Budget can be found in the attached snapshot. If you wish to discuss how the budget impacts you or for any financial needs or questions, please get in touch. Budget 2021

New directors at Edinburgh financial firm

  Melville Independent, the Edinburgh-based financial advisory and asset management firm, has unveiled key changes to its senior executive team. The firm, which manages more than £700 million of assets for clients throughout the UK from its offices in the capital’s west end, said two new directors have been appointed in key strategic and development […]

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