Valuable employer contributions encourage people to stay More people in the UK are saving towards retirement than ever before, according to data from the Office for National Statistics (ONS), with numbers boosted thanks to the Government’s auto-enrolment scheme. Under auto-enrolment, employees are automatically signed up to a workplace pension into which both they and their… Continue reading Money talks
Category: All News
‘Multi-jobbers’
Falling foul of the minimum earnings threshold The rules around pensions are continuously changing. To make the most of your retirement, it’s essential to receive regular professional financial advice on how to build up and invest your pension effectively. As the success of auto-enrolment continues, two in five UK workers (39%) aged 22-29 years old[1]… Continue reading ‘Multi-jobbers’
Pensions shake-up
Getting away from the stresses of everyday life For many, the idea of retirement means getting away from the stresses of everyday life. But with living costs rising and interest rates low, people need to think about how to generate extra income from their savings in retirement. Pensions offer a number of important advantages that… Continue reading Pensions shake-up
Getting finances in order
Financial worries don’t just affect our waking hours Financial fears are creeping into sleeping hours, as new research shows money worries are a top cause of nightmares[1]. Our dreams are how we naturally make sense of all the information and experiences that we unconsciously absorb every day. They are not just some random occurrence but… Continue reading Getting finances in order
Investment trust
Reflecting popularity in the market An investment trust is a company with a set number of shares. Unlike an open-ended investment fund, an investment trust is closed ended. This means there are a set number of shares available, which will remain the same no matter how many investors there are. This can have an impact… Continue reading Investment trust
With-profits funds
Stock market return linked but with fewer ups and downs than investing directly in shares If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a with-profits fund. These aim to give you a return linked to the stock market but with fewer ups and… Continue reading With-profits funds
Tracker funds and exchange traded funds
Market index following the overall performance of a selection of investments Tracker funds and exchange-traded funds (ETFs) are investments that aim to mirror the performance of a market index. A market index follows the overall performance of a selection of investments. The FTSE 100 is an example of a market index – it includes the… Continue reading Tracker funds and exchange traded funds
Ethical saving and investing
Making the world a betterplace Whether it’s termed ethical, responsible or sustainable investing, the aim is generally the same. It’s investing your money in businesses which have some intention of making the world a better place. In the past, ethical investing was the only option if you wanted to invest in companies aligned to your values. But this ‘good… Continue reading Ethical saving and investing
ISA rules and Inheritance Tax
Families set to pay millions in unnecessary tax There’s a fundamental lack of awareness and understanding around Inheritance Tax, especially when it comes to how Individual Savings Accounts (ISAs) are treated after death. Given that some people have been able to amass over a million pounds in their ISAs, it’s an area where lack of… Continue reading ISA rules and Inheritance Tax
Countdown has commenced
Are you on track to a financially secure retirement future? When you are at the point of retiring, the new pension freedoms have opened up all sorts of alternative strategies to taking your pension benefits. The very concept of retirement is changing. ‘Phased retirement’ is becoming more common. The way we access our pension is… Continue reading Countdown has commenced
