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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
Financial News
May 2018
Protection matters
Financial News
May 2018
Families face a precarious situation if the worst were to happen Everyone’s circumstances are different, but most people start to think about cover to help protect their family financially once they have children. But research from Scottish Widows[1] reveals that 60% of women in the UK with dependent children have no life cover, leaving their families in a precarious situation if the worst were to happen. Read full article
General
May 2018
This time next year we’ll be ‘million-heirs’
General
May 2018
Larger individual wealth and expectation of substantial inheritances With estate planning, you can decide what happens to your money and possessions – even your pets – if something happens to you. But estate planning is useful in other ways too: it can help you minimise any Inheritance Tax liability and ensure your wishes are carried out in the event of your death or if you need to go into care. 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
General Investment
May 2018
Is inflation back? Don’t panic
General Investment
May 2018
How to protect the value of your money from its effects Is inflation back? After two years when consumer prices in the UK barely rose, the annual rate of inflation has risen above the Bank of England’s (BOE) target of 2% in 2017. The combination of high inflation and limited wage growth – as well as uncertainty about the terms on which Britain will leave the European Union in 2019 – is expected to mean Britain’s economy grows more weakly than other EU economies this year. Read full article
Markets
November 2017
Investors Return to Europe as Forgotten Continent Shines
Markets
November 2017
  Until recently, investors might have been forgiven for shunning European equities. But the past few months have seen the outlook brighten, forcing many to rethink their allocations. Political risks are receding, consumer confidence is back and manufacturers – not… Read full article