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Estate Planning
May 2019
Why silence isn’t necessarily bliss
Estate Planning
May 2019
  Over six million adults refuse to discuss their will with loved ones Making a will is very important if you care what happens to your money and your belongings after you die, and most of us do. But have you tried to talk with your parents about their will? If that conversation isn’t happening, you’re not alone. Read full article
Investment
May 2019
Protecting the value of your money
Investment
May 2019
  Don’t ignore the corrosive impact rising prices can have on your investments Inflation is an economy-wide sustained trend of increasing prices from one year to the next. The rate of inflation is important as it represents the rate at which the real value of savings and an investment is eroded and the loss in spending power over time. Inflation also tells investors exactly how much of a return their investments need to make for them to maintain their standard of living. Read full article
Insurance
May 2019
Private medical insurance
Insurance
May 2019
  Healthcare when you need it Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time. Private medical insurance (often also referred to as ‘health insurance’) is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. Read full article
Investment
May 2019
Trusts
Investment
May 2019
  Protecting, preserving or ultimately distributing wealth As part of your Inheritance Tax planning, you may want to consider putting assets in trust – either during your lifetime or under the terms of your Will. Putting assets in trust – rather than making a direct gift to a beneficiary – can be a more flexible way of achieving your objectives. For example: Read full article
Investment
May 2019
Bank of Mum and Dad
Investment
May 2019
  Innovative products to be created for would-be home owners The Building Societies Association (BSA) have recently published a raft of recommendations as to how the mortgage industry can support the Bank of Mum and Dad in their endeavours to help first-time buyers onto the property ladder. Read full article
Inheritance Tax
May 2019
Inheritance Tax
Inheritance Tax
May 2019
  No longer something that only affects the very wealthy Inheritance Tax is no longer something that only affects the very wealthy, but the good news is that there are ways to limit the amount of Inheritance Tax your family may potentially face. Read full article
Pensions
May 2019
Tracing a lost pension
Pensions
May 2019
  Nearly £20 billion unclaimed money and growing The scale of the UK’s lost pensions mountain has been exposed by the largest study yet on the subject[1]. The Pensions Policy Institute surveyed firms representing about 50% of the private defined contribution pensions market[2]. Read full article
Insurance
May 2019
Whole-of-life insurance
Insurance
May 2019
  Guaranteed tax-free payment whenever you die Whole-of-life policies tend to offer the policyholder lifelong protection and are designed to give you a specified amount of cover for the whole of your life and pays out when you die. Read full article
Investment
May 2019
Why do you want to invest?
Investment
May 2019
  Reaching specific life goals requires planning If you don’t know where you want to go, you’ll find it tricky getting there! Investment goals cover everything from the old adage of saving for a rainy day to planning for a comfortable retirement. Read full article
Millennials
May 2019
Millennials get real with the numbers
Millennials
May 2019
Making sacrifices for home ownership over retirement Millennials are chasing the home ownership dream at the potential cost of a lower income in retirement, new research[1] shows. Over a third (35%) of millennials say they prioritise saving for a deposit on a home instead of their retirement. Nearly a fifth (19%) say buying a house is the main reason they don’t save more into their pension, while 10% say student debt stops them saving into a pension. One in 11 (9%) admits that frequently changing jobs affects their ability to make regular pension contributions. Read full article