UK pension savings gap



The need for a greater awareness of what must be saved today If savers want a particular standard of living at retirement, then they will need a greater awareness of what must be saved today.

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Gender income gap



Minimising the impact on your retirement income The gap between women’s and men’s annual average expected retirement incomes in 2017 has grown by £1,000 in the last year, according to new research[1].

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Navigating market volatility



Protecting your portfolio from the ups and downs of investing No particular investment consistently outperforms other investments. One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’.

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Retirement taxation



Understanding the bottom line Retired households handed over an average of £7,400 each in tax last year – the equivalent of nearly 30% of their annual income, according to analysis of newly released data[1] by Prudential.

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Tax matters



Improving your chance of a better retirement income Every client’s story is different. Each one is unique. We invest significant time to understand your very personal circumstances. We do this for all our clients, and setting your retirement income target is an essential part of this process. The income you receive in retirement will depend […]

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Average age of divorce at an all-time-high



Forecasting the long-term effects of the settlement The financial ramifications of a divorce can be devastating. The average age of divorce has reached an all-time high at 45 years and 11 months for men and 43 years and six months for women, according to data released from ONS[1].

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Sleepwalking into a pension shortfall



Auto-enrolment shouldn’t be seen as a silver bullet How much money you should be saving for your retirement is a key question when visualising the type of retirement lifestyle you want. However, the 13th annual Scottish Widows Retirement Report reveals that, despite the success of auto-enrolment – 80% of 22 to 29-year-olds are paying something […]

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Financial protection



Are you prepared if life throws something unexpected your way? A critical illness could happen to any one of us. If it does happen, having the right cover could help to minimise the financial impact on you and your loved ones. More than a third of people (36%) believe they would get no kind of […]

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Long -term investing



How to fund a fulfilling life beyond our working years Healthier lifestyles and medical advances mean that many of us can expect to enjoy longer lifespans than previous generations. However, this creates a significant challenge both for society as a whole and for us all as individuals – how to fund a fulfilling life beyond […]

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Setting up a trust



Reduce how much IHT your estate will have to pay on your death The structures into which you can transfer your assets can have lasting consequences for you and your family, and it is crucial that you choose the right ones. The right structures can protect assets and give your family lasting benefits. A trust […]

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