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Pensions
November 2019
Pensioner wealth
Pensions
November 2019
  Income gap between the wealthiest and poorest pensioners is growing The members of Britain’s baby boomer generation who are now entering retirement have been called ‘the richest generation in history’. But the income gap between the wealthiest and poorest pensioners is growing, with those in the top pension income band now having an average weekly income of almost £1,000. Read full article
Inheritance Tax
November 2019
Inheritance Tax
Inheritance Tax
November 2019
  Passing assets efficiently to the next generation No one wants to think about their hard-earned wealth going to waste after they die. It’s up to you to decide who gets what. The people who could benefit from your estate include your partner or spouse, children and other family members, friends, and charities. Family dynamics are complex, but they tend to be the main beneficiaries. Read full article
Retirement Planning
November 2019
Will I have enough money through retirement?
Retirement Planning
November 2019
  Mismatch between retirement expectations and actual reality Retirement is a chance to do more of what you enjoy. When it comes to planning for your retirement, you need to think about what you’d like your life to be like. There is no set retirement age in the UK any longer, so you can carry on working as long as you like (or as long as you need to). Read full article
Insurance
November 2019
Term life insurance
Insurance
November 2019
  One of the pillars of financial protection With term life insurance, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. This can range from as few as five to as many as 30 years, but a typical period for a term policy is ten years. Read full article
Tax Planning
November 2019
Taxing times
Tax Planning
November 2019
  ‘Top 5’ list of planning areas Making sure you use up any allowances you are entitled to is the first step to reducing the amount of tax you may be liable to pay. We’ve provided our ‘Top 5’ list of planning areas to consider before 5 April 2020, the end of the 2019/20 tax year. The rates given are correct for the 2019/20 tax year. Read full article
Pensions
November 2019
Pension shortfall exposure
Pensions
November 2019
  Signs you are not financially ready to retire Those potentially most exposed to a pension shortfall are not people just entering the workforce, most of whom presume they will work until their 70s and will receive limited support from the state. Those most at risk of enduring a more frugal older age are those currently in their 40s and 50s who grew up assuming that the pensions system their parents enjoyed – generous income and retirement in their mid-60s – was the norm. Read full article
Investment
November 2019
Protecting wealth
Investment
November 2019
  Identifying your investment objectives is a lifelong process A total wealth solution has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it. Read full article
Retirement Planning
November 2019
Retirement longevity
Retirement Planning
November 2019
  Your destiny is now in your own hands If you are in your 50s or 60s, your thoughts are probably turning towards retirement. When should you retire? How much money do you need? Read full article
Investment
November 2019
Maintaining a diversified portfolio
Investment
November 2019
  Spreading risk between different kinds of investments When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy. Read full article
Investment
November 2019
Investing for income, growth or both in retirement
Investment
November 2019
  Turning on the taps for an extra income stream to help you realise your ambitions The best time to start investing was 20 years ago. The second best time to start investing is now. But as you have been building up your investment wealth over the decades, in all likelihood you’ve probably pursued growth above all else, looking to maximising the value of your savings. Read full article