Term life insurance



Protection for a specified fixed period of time With a term life insurance policy, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out to your beneficiaries. If […]

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Different types of life insurance



Choosing the right type of cover ‘Single life’ policies cover just one person. A ‘joint life’ policy covers two people, and when one person on the policy dies the money is paid out and the policy ends. You will need to decide whether the joint policy pays out on first or second death as this […]

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Life insurance



Providing a financial safety net for your loved ones Getting the right life insurance policy means working out how much money you need to protect your dependants. This sum must take into account their living costs, as well as any outstanding debts such as a mortgage. It may be the case that not everyone needs […]

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The run-up to retirement



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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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Investment matters post-Brexit



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Facing new challenges at every turn to meet long-term objectives We are now living in a more uncertain world, and for many investors they are facing new challenges at every turn. As correlations between asset classes rise, the right strategy is crucial to preserve capital when markets are falling. Add to this the result of […]

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Are millennial investors facing a perfect storm?



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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? The Schroders Global Investor Study 2016 […]

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Securing more of your wealth



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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. Peace of mind Making sure that […]

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Appetite for risk



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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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Splashing the cash



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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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Return of multi-generational households



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Two in three agree living with family is beneficial Multi-generational 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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