Category: All News

 How to build a sustainable retirement income plan It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1]. Four… Continue reading Don’t worry, be happy

Ageing population faces significant funding crisis As part of Budget 2017, Chancellor Philip Hammond announced an extra £2 billion of funding for social care and paved the way for major changes to how people pay for it. But people in the UK are still underestimating the cost of elderly care by £7 billion every year[1],… Continue reading Growing care costs

Will you be able to afford the retirement lifestyle you want? If you’re still working, what kind of life would you like to lead when you’ve said goodbye to the 9-to-5? Saving for your retirement is essential if you want the financial freedom to enjoy your later years. After all, you’ll still want to do… Continue reading Turbocharge your pension

Cohabiting families risking their family’s financial future The lifestyle of our loved ones may be seriously compromised if we die. However, very worryingly, more than 2.4 million cohabiting families across the UK – the fastest-growing family type in the country – do not have life insurance, potentially leaving their loved ones open to financial problems… Continue reading Protect the things that mean the most to you

Reduce how much IHT your estate will have to pay on your death The structures into which you can transfer your assets can have lasting consequences for you and your family, and it is crucial that you choose the right ones. The right structures can protect assets and give your family lasting benefits. A trust… Continue reading Setting up a trust

Auto-enrolment shouldn’t be seen as a silver bullet How much money you should be saving for your retirement is a key question when visualising the type of retirement lifestyle you want. However, the 13th annual Scottish Widows Retirement Report reveals that, despite the success of auto-enrolment – 80% of 22 to 29-year-olds are paying something… Continue reading Sleepwalking into a pension shortfall

. Protecting your portfolio from the ups and downs of investing No particular investment consistently outperforms other investments. One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’. Blend of… Continue reading Navigating market volatility

Minimising the impact on your retirement income The gap between women’s and men’s annual average expected retirement incomes in 2017 has grown by £1,000 in the last year, according to new research[1]. Future financial plans The unique annual research has, over the last ten years, tracked the future financial plans and aspirations of people planning… Continue reading Gender income gap

The need for a greater awareness of what must be saved today If savers want a particular standard of living at retirement, then they will need a greater awareness of what must be saved today. Despite efforts by the Government to tackle the savings gap through auto-enrolment and raising the pensions age, challenges still exist.… Continue reading UK pension savings gap

Are you getting tax-efficiencies on the gains you make from the money you invest? Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). If you’re looking to grow your money over many years – perhaps to fund a dream purchase or help you in retirement –… Continue reading Wealth generation