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Pensions
May 2018
Financial freedom
Pensions
May 2018
Deciding what to do with pension savings – even if you’re still working It might seem like a far off prospect but knowing how you can access your pension pot can help you understand how best to build for the future you want when you retire. Read full article
Pensions
May 2018
Retirement wealth
Pensions
May 2018
What’s the right answer for you? The first increase in minimum automatic enrolment (AE) workplace pension contributions came into effect on 6 April[1]. According to research from Scottish Widows, however, one in five Britons (20%) – amounting to more than ten million people – say they’ll work until they’re physically unable to, while one in 20 (6%) – another three million people – say they expect to work until they die. Read full article
Markets Pensions
May 2018
Your money, your choice
Markets Pensions
May 2018
Supporting your future financial requirements You can pay into as many pension schemes as you want; it depends on how much money you can set aside. There are several different types of private pension to choose from, but in light of recent government changes the tax aspects can require careful planning. So what do you need to consider? Read full article
Pensions
May 2018
Pension freedoms
Pensions
May 2018
Running out of money remains the biggest retirement fear for over-55s On 6 April 2015, the Government introduced ‘pension freedoms’, and with it major changes to people’s private pension provision. Once you reach the age of 55 years, you now have much more freedom to access your pension savings or pension pot and to decide what to do with this money Read full article
General Pensions
May 2018
Money’s too tight to mention
General Pensions
May 2018
Financial impact on annual retirement income after divorce First comes marriage, then for some couples comes divorce. But a stable marriage is one of the best paths to building and maintaining wealth. Divorce, on the other hand, is expensive. Possessions, money, financial assets and debt acquired during (and sometimes before) marriage are divided between former spouses. Putting a price tag on a divorce is tricky. Read full article
Pensions
May 2018
Making the most of your pensions
Pensions
May 2018
Have you accumulated multiple plans that need reviewing? By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There’s no wrong time to start thinking about pension consolidation, but you might find yourself thinking about it if you’re starting a new job or nearing retirement. Read full article
Pensions
May 2018
Retirement rewards
Pensions
May 2018
Common planning mistakes lead to an opaque future With increasing life expectancy and rising cost of living, the need to plan for one’s golden years is essential. Although retirement is one of the most distant financial goals, it is in our own interest not to ignore it. And almost three quarters (73%) of people aged 45 or over are longing for the day when their life is no longer confined by their working routine, according to new research[1]. Read full article
Pensions
May 2018
Planning for a bigger retirement income
Pensions
May 2018
Looking forward to having more time to explore faraway places Today, with more Britons living longer and healthier lives, the concept of retirement is much different to what it was only one generation ago. For each retiree, retirement is different. Perhaps you’re looking forward to having more time to explore faraway places, or maybe you dream of simply waking up each day and doing whatever takes your fancy. Read full article
Pensions
May 2018
Easing into retirement
Pensions
May 2018
Older workers are increasingly valuable members of the gig workforce We tend to associate young people with the gig economy, but new research shows that older, more skilled workers are increasingly making the move. The gig economy has been enthusiastically embraced by millennials who favour the flexibility it offers, although it appears that it is older workers who might be benefiting the most. Read full article
Pensions
May 2018
One in eight will retire with no pension in 2018
Pensions
May 2018
Excuses to avoid facing the difficult work of saving for retirement Retirement is one of our biggest financial challenges. As with any daunting challenges we face, we tend to think up excuses so we can avoid facing the difficult work of saving for retirement. Worryingly, nearly one in eight people retiring this year (12%) have made no provision for their retirement, including 10% who will either be totally or somewhat reliant on the State Pension, according to new research[1]. Read full article