BALANCING RISK AND RETURNS
BONDS CAN PLAY A KEY PART IN BUILDING AN INVESTMENT PORTFOLIO UK government bonds, also known as gilts, are debt securities issued by the UK government. They are used to finance the government’s borrowing requirements and are often seen as a safe haven asset by investors. Gilts are traded on the London Stock Exchange and […]
HOW TO PROTECT YOU AND YOUR FAMILY’S FUTURE
WHAT KIND OF PROTECTION INSURANCE DO YOU NEED? There are various complex risks in life that we all face, such as serious illness, an accident or death. What would happen if something were to happen to you? Would your family be able to cope financially with the impact an unexpected event might have? These are […]
BRINGING PENSIONS TOGETHER
WHAT TO CONSIDER IF YOU HAVE MULTIPLE PENSION POTS The employment landscape has evolved significantly over the last few decades and changing jobs multiple times before retirement is now very much the norm. But did you know, there is an estimated £9.7 billion of unclaimed UK defined contribution pension funds? Over time, it is easy […]
ARE YOU SAVING ENOUGH FOR RETIREMENT?
ONE IN SIX OVER-55s HAVE NO PENSION SAVINGS YET Despite the fact that the government has been trying to encourage people to save for their retirement through initiatives such as auto-enrolment, there are still too many Britons who have no pension savings at all. Research reveals that a fifth (20%) of people still have no […]
CASH MAY NOT BE KING
DECIDING WHETHER TO WITHDRAW CASH FROM YOUR PENSION POT Choosing what to do with your pension is a big decision. If you’ve been saving into a defined contribution pension (sometimes called ‘money purchase’) during your working life, from age 55 (age 57 in 2028) you need to decide what to do with the money you’ve […]
PUTTING LIFE ON HOLD
COST-OF-LIVING CRISIS DELAYS HOMEOWNERSHIP, HAVING CHILDREN AND RETIREMENT Rising living costs have been so significant in recent months that most UK households will have noticed a squeeze on their monthly budgets. Not only does this have a direct impact on people’s lifestyles, even though they are making every effort to cut back, but it has […]
GREAT WEALTH TRANSFER
PREPARING BOTH ‘THE FAMILY’ AND ‘THE MONEY’ FOR THE TRANSITION OF WEALTH TO THE NEXT GENERATION If you want to pass wealth on to your children and grandchildren, it’s wise to contemplate when it might be best to make that gift. Should you transfer wealth during your lifetime—or after? Some people may find compelling reasons […]
INHERITANCE TAX RECEIPTS REACH £6.1BN
WHAT IF I COULD MAKE MY WEALTH MORE TAX-EFFICIENT? We all want to leave a legacy and make sure the ones we care about most are well taken care of when we’re gone. That’s why making plans for Inheritance Tax is so important, to have confidence that your children, grandchildren and those you hold dearest […]
SELF-EMPLOYED EXTREMELY VULNERABLE TO LOSS OF INCOME
81% AREN’T SEEKING FINANCIAL ADVICE Self-employed people are at risk of financial hardship if they don’t have sufficient provision in place. Without a regular income, it can be difficult to cover expenses and also save for the future. In many cases, the self-employed are unable to claim for many of the benefits that employees are […]
MIDLIFERS SET TO BE IMPACTED TWICE BY THE COST OF LIVING
FINANCIAL PLANNING ESSENTIAL TO HELP BALANCE PRIORITIES As the cost of living crisis continues to rise, midlifers are set to be impacted particularly hard. This is because many midlifers are still paying off mortgages and other debts, while also trying to support their families. This means that they often have less disposable income than younger […]