Advent of crowdfunding



Innovation in both finance and technology One of the main innovations in both finance and technology over the past few years has been the advent of crowdfunding. Crowdfunding is a way of raising finance by asking a large number of investors each for a small amount of money.

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Managing your retirement savings



Consolidating your separate pensions into one single pension wrapper If you’ve accumulated numerous workplace pensions over the years from different employers, it can be difficult to keep track of how they are performing. The process of bringing all your pensions together is called ‘consolidation’.

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Return of multi-generational households



Two in three agree living with family is beneficial Multigenerational households could be set to grow in popularity as property costs continue to rise. A new report from Aviva suggests that based on the rate of growth seen in the past 10 years – and assuming house prices will continue to rise – there could […]

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Securing more of your wealth



You don’t have to be wealthy for your estate to be liable for Inheritance Tax Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved ones much easier.

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Splashing the cash



New ‘YOLO’ generation gambling with their financial future The prospect of saving for tomorrow may feel too distant for some, but to achieve long-term goals (including financial security in retirement) we all need to consider reprioritising our needs to give ourselves a better financial future. But, more than four in ten Britons in their 30s […]

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Appetite for risk



Striking the right balance is important to avoid losses While diversification is important, you should keep in mind how much risk you are prepared to accept on your money. If it is important to you to avoid losses, you may want a portfolio that has less in shares and more in cash and fixed interest […]

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The run-up to retirement



What the over 50s do with their money once the mortgage is paid off Britain’s over 50s are splashing their extra income they receive once they’ve paid off their mortgages on holidays, home improvements and gifts for their children[1], while less than one in four are using the money to top up their retirement savings, […]

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Pension confusion



Are most people unprepared for retirement? People are still being left confused by pensions, with almost two thirds not understanding their key features, according to new research by Wesleyan.

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Are millennial investors facing a perfect strom?



Looking at the mismatches between expectation and reality Depressed wages, escalating living costs and a struggling global economy – millennials have a lot on their plates. They need investment income to support short and long-term financial aspirations. Does something have to give and is the perfect investment storm brewing?

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Why now is the time to review your pension



Taking an active interest in your retirement savings Millions of savers currently spend very little time reviewing their pensions, with more than a quarter of savers (28%) admitting to never reviewing their retirement savings, while almost a fifth (19%) of those with a pension said they review it less than once every five years[1] according […]

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