Empty nest, empty wallet



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Parents putting financial health at risk to fund university costs When it comes to funding a university education, it is parents and grandparents who typically look to provide the money. But even though this may be the case, last year’s graduates from English universities are still left with an average of £44,000 debt (source: Sutton […]

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Time is of the essence



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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 […]

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Pension reforms



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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 […]

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Savvy investors



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Time to get wrapped up? How to shelter income and capital gains For long-term investors, Individual Savings Accounts (ISAs) are a very tax-efficient wrapper that can hold cash savings as well as investments in stocks and shares. Savvy investors are also able to shelter income and capital gains. ISA flexibility The limit on how much […]

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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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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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Alternative assets



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Investment company growth story of the decade Over a third of the investment company sector is invested in alternative assets as research suggests from the Association of Investment Companies (AIC). The term ‘alternative’ is used to cover many other types of investments that are not traded on stock markets. These might include the shares in […]

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Brexit: the point of maximum impact



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The economic effects of leaving the EU could cause unemployment to rise in the UK which would reduce the pressure for wage growth. The Treasury estimated that wages will be between 2.8% and 4% lower at the point of maximum impact. However, if the UK remains a member of the EU for at least another […]

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UK’s exit from the European Union after 43 years



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The UK’s exit from the European Union after 43 years is now set to happen. The vote by a majority of British people to leave the European Union on Thursday 23 June represents a very significant decision for the UK, for the European Union and indeed for the wider global economy. The UK voted to […]

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