What is a dividend, and how does it benefit shareholders?

A dividend is a portion of a company’s profits distributed to shareholders, typically in the form of cash or additional shares. It serves as a reward for holding shares and often reflects a company’s financial health and confidence in sustained earnings. Regular dividend payments can attract those seeking consistent returns, and companies that maintain or grow their dividends over time may indicate operational stability.

What are some key things to know before getting a mortgage?

A mortgage isn't just a loan—it’s a long-term responsibility that ties into personal goals and lifestyle. Before signing any documents, it helps to think beyond just monthly payments. Are there fees hidden in the fine print? What happens if plans change and early repayments are needed? These questions shape how flexible the mortgage really is. Talking through options with someone who can explain the terms clearly—not just sell a product—can take a lot of pressure off. Ultimately, the right mortgage should align with both the heart and the numbers, supporting not just where someone lives, but how they want to live.

What are some potential benefits and drawbacks of participating in an Initial Public Offering (IPO)?

One potential benefit of IPOs is the opportunity to get in early on a company entering the public market. When a business goes public, it often does so to raise capital for expansion, and this transition can sometimes be accompanied by strong growth plans or rising visibility. Being part of the IPO phase may allow access to shares before the broader market drives the price up. However, it's important to recognise that early participation doesn’t always mean guaranteed performance. IPOs can be highly volatile in their early days, and the initial pricing may not reflect the company's long-term value.