Pension reforms



How the lifetime allowance reduction could impact on your retirement savings The Government has introduced comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the lifetime allowance that applies to pension savings. The lifetime allowance is the total […]

Read More

Financially exposed



Do you have a financial plan in place to help protect your home? Taking out a mortgage is the biggest financial commitment many of us will ever make, and having a financial plan in place will help protect your home in the event that you can’t work due to illness or ill health, or even […]

Read More

Time is of the essence



Start thinking about preparing for any big events as soon as you can None of us know exactly what life’s got in store for us, but we know that there are a handful of major events that we’re quite likely to encounter at some stage. These include some of the great milestones of life, such as […]

Read More

Saving for a rainy day



Understanding why your lifestyle makes it more relevant and real From the old adage of saving for a rainy day to planning for a comfortable retirement, before you can actually define your investing goals you need to ask yourself what you want to achieve. While deciding on the best fund, tax regime, pension or investment […]

Read More

Uncharted territory



Importance of not losing sight of your long-term savings goals The UK is entering uncharted territory after the EU referendum, but with relatively few unretired people beyond the age of 55 having started their retirement planning it is important not to lose sight of your long-term savings goals. Changing social, political and demographic factors mean […]

Read More

What next post-Brexit?



Economic and financial outlook As a result of the UK voting for Brexit (apart from the political turmoil), sterling has dropped significantly against the US dollar and the Japanese yen – the new safe haven currency it seems. We have a new Prime Minister and cabinet and a clear statement from the new Chancellor of […]

Read More

Pensioners financially ‘reliant on others’



New research outlines typical financial situations A small number of pensioners are relying on loved ones to help them financially during retirement, and those approaching retirement seem to be in an even worse situation. Yet equally worrying is that people are also far more likely to take financial advice about retirement from friends than from […]

Read More

‘It won’t happen to me’



Britons not planning financially for long-term sickness Only one in five UK people have income protection cover in the event of becoming too ill or disabled to work according to research published by insurer Zurich. This is despite the fact that as many as 42% have experienced income loss in their working lives due to […]

Read More

Investing during market volatility



Whether seeking income, growth or both, there are some basic rules to follow Volatile financial markets are an inevitable part of investing. On a day-to-day basis, the swings in stock market prices can be significant. However, over the longer term, things have tended to smooth out, with daily volatility having a lower impact on overall […]

Read More

Active or passive? That is the question



Choosing a management style that’s right for you Investors are faced with one of the most basic questions: do you want to put your money in ‘actively’ or ‘passively’ managed funds? Deciding if you would prefer your investment ‘actively’ or ‘passively’ managed is an important consideration and a useful step towards narrowing your choice of […]

Read More