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To: "" <admin@sarahharvey.com>
Message-ID: <7E.D8.48872.D3E1E696@i-0f2f3bd8c7e158c7b.mta1vrest.sd.prd.sparkpost>
Date: Mon, 19 Jan 2026 12:06:21 +0000
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Reply-To: enquiries@bateman-group.co.uk
From: "The Bateman Group" <enquiries@bateman-group.co.uk>
Subject: Important FCA Changes for Investors
Feedback-ID: 052-a3e5d6f0-eace-4fca-a47f-f86cafb307ae:001-624559ff-cf1a-4a8b-bb1b-43c0467581c1:swiftpage-eu:actsend

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<p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:1=
6.8px">Welcome to January's newsletter from The Bateman Group -&nbsp; exper=
ienced insurance brokers helping businesses, families & individuals since 1=
967.</p></div></div>=0A</td></tr></table></td></tr></tbody></table></td></t=
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target=3D"_blank"><img src=3D"https://inboxguru.s3.amazonaws.com/001-624559=
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=3D"heading_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" ce=
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etter-spacing:normal;line-height:1.2;text-align:center;margin-top:0;margin-=
bottom:0;mso-line-height-alt:28px">FCA Changes for Investors</h1></td></tr>=
</table><table class=3D"paragraph_block block-3" width=3D"100%" border=3D"0=
" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" =0Astyle=3D"ms=
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ue,Helvetica,sans-serif;font-size:14px;font-weight:400;letter-spacing:0;lin=
e-height:1.2;text-align:center;mso-line-height-alt:17px"><p style=3D"margin=
:0">=0AOn January 16, 2025, the&nbsp;FCA announced sweeping changes to how =
investors are classified, potentially opening up new investment opportuniti=
es for experienced savers and wealthy individuals. For sophisticated UK inv=
estors, these changes could be the most significant shift in investment acc=
ess since Brexit. Find out what this means for you in our latest article.</=
p></div></td></tr></table><table class=3D"button_block block-4" width=3D"10=
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otor Insurance Premiums Fall Year-on-Year</h1></td></tr></table><table clas=
s=3D"paragraph_block block-8" width=3D"100%" border=3D"0" cellpadding=3D"10=
" cellspacing=3D"0" role=3D"presentation" =0Astyle=3D"mso-table-lspace:0;ms=
o-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D=
"color:#000;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,sans-s=
erif;font-size:14px;font-weight:400;letter-spacing:0;line-height:1.2;text-a=
lign:center;mso-line-height-alt:17px"><p style=3D"margin:0">=0AAfter years =
of relentless increases, UK motorists are finally getting relief.&nbsp;Moto=
r insurance&nbsp;premiums have now&nbsp;fallen for three consecutive quarte=
rs in 2025, according to the Association of British Insurers (ABI), marking=
 the first sustained reduction since 2021.</p></div></td></tr></table><tabl=
e class=3D"button_block block-9" width=3D"100%" border=3D"0" cellpadding=3D=
"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0"><tr><td class=3D"pad"><div =0Aclass=3D"alignment" align=
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r=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#005=
29b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=0A<center =
dir=3D"false" style=3D"color:#ffffff;font-family:sans-serif;font-size:16px"=
>=0A<![endif]-->=0A<span class=3D"button" style=3D"background-color: #00529=
b; mso-shading: transparent; border-bottom: 0px solid transparent; border-l=
eft: 0px solid transparent; border-radius: 13px; border-right: 0px solid tr=
ansparent; border-top: 0px solid transparent; color: #ffffff; display: inli=
ne-block; font-family: Arial, Helvetica Neue, Helvetica, sans-serif; font-s=
ize: 16px; font-weight: 400; mso-border-alt: none; padding-bottom: 5px; pad=
ding-top: 5px; padding-left: 20px; padding-right: 20px; text-align: center;=
 width: auto; word-break: keep-all; letter-spacing: normal;"><span style=3D=
"word-break: break-word; line-height: 32px;"><strong>Read Article</strong><=
/span></span>=0A<!--[if mso]></center></v:textbox></v:roundrect><![endif]--=
></a></div></td></tr></table><table class=3D"divider_block block-10" width=
=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad=
"><div class=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%" style=3D"mso-=
table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_inner" =0Astyle=
=3D"font-size:1px;line-height:1px;border-top:1px solid #bbb"><span style=3D=
"word-break: break-word;">&#8202;</span></td></tr></table></div></td></tr><=
/table><table class=3D"image_block block-11" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-=
lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%"><di=
v class=3D"alignment" align=3D"center"><div style=3D"max-width:600px">=0A<a=
 href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c04675=
81c1/055-08672955-9cc8-45d8-8a10-278a7286941e=3Fenr=3Dnaahiaduabyaa4yahiac6=
abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaaliam4aheadpab2qa4aafyaggadpaaxaa5ia=
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dtabuaalianeahgadbabzqalyapqagcadeabwqa2ianyaeaadtabqqa4qameagqadiabqqa4qao=
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awqaoaaguadcabvaawqaniameadsabtabsqaoiaheadqabrabtaaziaguahyacbab6aa=3D=3D=
=3D" target=3D"_blank"><img src=3D"https://inboxguru.s3.amazonaws.com/001-6=
24559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Newsletter%20Images%2=
024_13.png" style=3D"display:block;height:auto;border:0;width:100%" width=
=3D"600" alt title height=3D"auto"></a></div></div></td></tr></table><table=
 class=3D"heading_block block-12" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;=
mso-table-rspace:0">=0A<tr><td class=3D"pad" style=3D"padding-top:10px;text=
-align:center;width:100%"><h1 style=3D"margin:0;color:#555;direction:ltr;fo=
nt-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:23px;font-wei=
ght:700;letter-spacing:normal;line-height:1.2;text-align:center;margin-top:=
0;margin-bottom:0;mso-line-height-alt:28px"><span class=3D"tinyMce-placehol=
der" style=3D"word-break: break-word;">The Autumn 2025 Budget and Cash ISAs=
</span></h1></td></tr></table><table class=3D"paragraph_block block-13" wid=
th=3D"100%" =0Aborder=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pr=
esentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break=
-word"><tr><td class=3D"pad"><div style=3D"color:#000;direction:ltr;font-fa=
mily:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:14px;font-weight:4=
00;letter-spacing:0;line-height:1.2;text-align:center;mso-line-height-alt:1=
7px"><p style=3D"margin:0">=0AThe Autumn Budget 2025 has brought the most s=
ignificant shake-up to ISA rules in nearly a decade. On November 26, Chance=
llor Rachel Reeves confirmed what many had feared: the cash ISA allowance i=
s being cut. But with important exemptions and a delayed implementation, th=
ere=E2=80=99s still time to plan. Here=E2=80=99s everything you need to kno=
w about how these changes will affect your savings.</p></div></td></tr></ta=
ble><table class=3D"button_block block-14" width=3D"100%" border=3D"0" cell=
padding=3D"10" =0Acellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div class=3D"alignmen=
t" align=3D"center"><a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-c=
f1a-4a8b-bb1b-43c0467581c1/055-08672955-9cc8-45d8-8a10-278a7286941e=3Fenr=
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aziaguahyacbab6aa=3D=3D=3D" target=3D"_blank" style=3D"color:#ffffff;text-d=
ecoration:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"urn:schemas-micros=
oft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:word"  href=3D"htt=
ps://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-086=
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=3D"height:42px;width:132px;v-text-anchor:middle;" arcsize=3D"31%" fillcolo=
r=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#005=
29b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=0A<center =
dir=3D"false" style=3D"color:#ffffff;font-family:sans-serif;font-size:16px"=
>=0A<![endif]-->=0A<span class=3D"button" style=3D"background-color: #00529=
b; mso-shading: transparent; border-bottom: 0px solid transparent; border-l=
eft: 0px solid transparent; border-radius: 13px; border-right: 0px solid tr=
ansparent; border-top: 0px solid transparent; color: #ffffff; display: inli=
ne-block; font-family: Arial, Helvetica Neue, Helvetica, sans-serif; font-s=
ize: 16px; font-weight: 400; mso-border-alt: none; padding-bottom: 5px; pad=
ding-top: 5px; padding-left: 20px; padding-right: 20px; text-align: center;=
 width: auto; word-break: keep-all; letter-spacing: normal;"><span style=3D=
"word-break: break-word; line-height: 32px;"><strong>Read Article</strong><=
/span></span>=0A<!--[if mso]></center></v:textbox></v:roundrect><![endif]--=
></a></div></td></tr></table><table class=3D"divider_block block-15" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta=
tion" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"=
 style=3D"padding-bottom:10px;padding-top:5px"><div class=3D"alignment" ali=
gn=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspa=
ce:0"><tr><td =0Aclass=3D"divider_inner" style=3D"font-size:1px;line-height=
:1px;border-top:1px solid #bbb"><span style=3D"word-break: break-word;">&#8=
202;</span></td></tr></table></div></td></tr></table><table class=3D"text_b=
lock block-16" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;wo=
rd-break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:20px;pad=
ding-left:5px;padding-right:5px;padding-top:10px"><div style=3D"font-family=
:sans-serif"><div =0Aclass style=3D"font-size:12px;font-family:Arial,Helvet=
ica Neue,Helvetica,sans-serif;mso-line-height-alt:14.399999999999999px;colo=
r:#555;line-height:1.2"><p style=3D"margin:0;font-size:14px;text-align:cent=
er;mso-line-height-alt:16.8px"><span style=3D"word-break: break-word; font-=
size: 14px;">For advice on any of the topics covered in this newsletter spe=
ak to our experts by calling </span></p><p style=3D"margin:0;font-size:14px=
;text-align:center;mso-line-height-alt:16.8px">=0A<span style=3D"word-break=
: break-word; font-size: 14px;">0800 731 6689 or email us <a href=3D"mailto=
:enquiries@bateman-group.co.uk" target=3D"_blank" title=3D"enquiries@batema=
n-group.co.uk" style=3D"text-decoration: underline; color: #0068A5;" rel=3D=
"noopener">enquiries@bateman-group.co.uk</a><br></span></p></div></div></td=
></tr></table></td></tr></tbody></table></td></tr></tbody></table><table cl=
ass=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" =0Arole=3D"presentation" style=3D"mso-table-lspace=
:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:=
#4768b7;color:#000;width:600px;margin:0 auto" width=3D"600"><tbody><tr><td =
class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top=
:5px;vertical-align:top">=0A<table class=3D"social_block block-1" width=3D"=
100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><d=
iv class=3D"alignment" align=3D"center"><table class=3D"social-table" width=
=3D"108px" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0;display:inline-block"=
><tr><td style=3D"padding:0 2px 0 2px">=0A<a href=3D"https://clickeu.actmkt=
.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-08672955-9cc8-45d8-8a=
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aziaheadsabyaayqazqamuadkad4abaqa7aa" target=3D"_blank"><img src=3D"https:/=
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