Planning The Future You Want

Pension freedoms bring optimism and adventure to retirement. Will I ever slow down? Do I have the right plans in place? Retirement is a chance to do more of what you enjoy. Figures released as part of LV=’S tenth annual state of retirement report [1] indicate that, far from winding down, retirees are making the…

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Retirement Roulette

Millions of older workers pin hopes on downsizing, inheritance or lottery win. Older workers are finding themselves caught in a position of retirement roulette, as many are relying on external factors such as a downsizing, an inheritance or even a lottery win to be able to afford a comfortable retirement, according to Aviva’s latest Real Retirement Report.…

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Investing for the Future

Higher inflation and near-zero interest rates mean the responsible thing to do could be to invest rather than to save. Many of us have been brought up to believe that saving is the responsible thing to do. But in today’s environment of low interest rates and rising inflation, savers may need to consider becoming investors to prevent…

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Pensions in Divorce

Preparing for an independent future should a relationship break down When disputes arise within families, emotions run high and rash decisions are made. This is why divorce is an arena fraught with acrimony. But, seven in ten couples don’t consider pensions during divorce proceedings, leaving some short-changed by £5 billion [1] every year. Research shows…

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Do you have a financial back-up plan this year?

Be prepared if life throws something unexpected your way Unforeseen life events and circumstances can potentially impact your finances in a number of ways. Hundreds of thousands of people are diagnosed with cancer each year in the UK and it is becoming more common among those of working age. Cancer treatment can cause many to…

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Making solid financial resolutions

Grow your money and live the life you want The New Year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement savings or setting enough money…

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Are you ready to invest?

5 reasons to open a Stocks and Shares ISA: Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). Low interest rates on cash savings since the financial crisis have meant that many savers have turned to the markets in the hope of achieving a better return. Although investing means…

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How to Build a Retirement Income Plan

It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1]. Four out of five Britons are unhappy with the amount they are…

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Get ‘wrapped’ up

Autonomy to make your own investment decisions Some people don’t want a pension company deciding how their pension savings are invested – they want to control where their money goes and how it grows. For people wanting to have autonomy to make their own investment decisions with their retirement savings, a Self-Invested Personal Pension (SIPP) may be…

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Reaching Your Long Term Investment Goals

It is impossible for investors to predict the future. Short term losses can be unsettling, but holding steady through the ups and downs is the best way to reach your long-term investment goals. A key to successful investing is to remain focused on your long-term objectives and not let short-term trends distract you. Holding onto your investments when times…

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Your wealth. Your legacy

IF YOU HAVE SIGNIFICANT ASSETS, YOU MAY BE WONDERING WHETHER INHERITANCE TAX (IHT) AFFECTS YOU. WORRYINGLY, SOME FAMILIES APPEAR TO BE SHYING AWAY FROM DIFFICULT CONVERSATIONS, AS ALMOST HALF (47%) OF UK ADULTS SAY THEY HAVE NEVER DISCUSSED INHERITANCE MATTERS, ACCORDING TO NEW RESEARCH[1]. IHT receipts increased by 22.9% in the first quarter of this tax year, according to data…

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How to build a sustainable retirement income plan

IT IS IMPOSSIBLE TO CONSIDER RETIREMENT, AND OUR EXPERIENCE OF IT, WITHOUT ALSO CONSIDERING HOW WE’LL PAY FOR IT. BUT ALMOST 30% OF PEOPLE OVER THE AGE OF 55 ARE UNSURE IF THEY WILL BE ABLE TO RETIRE ON THEIR CURRENT SAVINGS, ACCORDING TO NEW RESEARCH[1]. Four out of five Britons are unhappy with the amount they are putting…

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