Evolution of bonds
Increasing awareness of intergenerational wealth transfer A significant proportion of people (47%) plan to pass on their wealth to future generations, with over a third (38%) intending to transfer assets directly to their children, according to a new report[1]. However, many are unaware of how to do this in a tax-efficient way. The increasing awareness […]
Saving vs investing
Understanding your financial options for now and the future Managing your finances can often feel overwhelming, particularly when deciding between saving and investing. Savings are aimed at short-term needs or emergencies, offering a sense of security and quick access to funds through low-risk options such as savings accounts. This approach ensures that you are financially […]
Preparing for retirement: What you need to know
How to navigate your transition to life after work The age at which you decide it’s time to take life easy is a very personal choice. When your retirement day arrives, you can toss away your alarm clock, bid farewell to your commute and discard those restrictive business suits.
Navigating market uncertainty
How to build long-term wealth with a tailored strategy. Market volatility is an unavoidable aspect of investing. Geopolitical events, such as the invasion of Ukraine, trade wars, inflationary pressures and alterations in interest rates, are among the numerous factors that lead to market fluctuations, sometimes significantly. When markets change, especially during rapid declines, it can […]
Financial security remains a concern for retirees in the UK
Only 48% of mid-retirees are confident their private pension will last a lifetime. A new report has revealed troubling insights into the financial confidence of retirees in the UK. Alarmingly, just under half (48%) of mid-retirees feel assured that their private pensions will sustain them throughout their lives. This leaves the remaining half grappling with […]
Planning a wealthy retirement
Secure your future with smart financial choices Whether you’re employed, a partner or self-employed, you can contribute to a pension. Employers are legally required to provide workers with access to a pension scheme, while anyone self-employed or unemployed, who cannot invest in an occupational plan, can pay into a personal pension, such as a SIPP […]
Are annuities included in your retirement income plans?
Ensuring financial stability in your golden years An annuity converts pension savings into a regular income, providing financial stability in retirement. Annuities deliver guaranteed income, ensuring that retirees do not outlive their savings. Unlike drawdown pensions, which depend on market performance, annuities offer peace of mind through predictable payments.
How gut instinct is guiding financial futures
A new report reveals that millions rely on guesswork when planning for retirement. Millions of UK adults are approaching retirement guided more by intuition than by careful planning, according to recent report findings[1]. The research reveals that one in six people (16%) rely on gut instinct to determine how much they will need for a […]
What to consider when taking tax-free cash
MAKE A MORE INFORMED DECISION ABOUT HOW BEST TO UTILISE YOUR PENSION SAVINGS Making the most of your pension savings requires understanding your options and planning carefully for the future. If you have a defined contribution pension, a key feature to consider is the ability to withdraw tax-free money. This can provide a valuable financial […]
PLANNING FOR LIFE’S MOST SIGNIFICANT MILESTONES
UNDERSTANDING RETIREMENT CASH FLOW MODELLING Retirement marks one of life’s most significant milestones, offering the chance to enjoy the rewards of years of hard work. However, ensuring these years are comfortable and secure depends on having a well-organised financial plan. Understanding how to manage your finances during this phase is crucial for maintaining your lifestyle […]