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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
Pensions
April 2019
Double whammy
Pensions
April 2019
New social phenomenon – the ‘sandwich generation’ In recent years, a growing realisation has formed that we’re in the middle of a new social phenomenon – the ‘sandwich generation’. The term ‘sandwich generation’ is often used to refer to those who care for both sick, disabled or older relatives and dependent children. Read full article
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