Thinking about your plans for the future means taking action now Retirement planning involves thinking about your plans for the future now – that means investing your money with the aim of maximising its value ready for when you retire. Careful retirement planning, the right mix of assets and starting sooner rather than later will… Continue reading Single most important decision you can make
Category: News
The quality of life you want in your golden years
Looking forward to a secure and financially independent retirement Saving for your retirement may not seem important when you’re starting out. But the sooner you start saving for your retirement, the more secure your future will be. It’s so important to invest for your retirement. Putting as much as you can into a pension provision… Continue reading The quality of life you want in your golden years
State Pension
A regular income once you reach State Pension age The State Pension gives you a regular income once you reach State Pension age. It is based on National Insurance contributions and the amount you get depends on how much you paid in. To receive it, you must have paid or been credited with National Insurance… Continue reading State Pension
Securing a bigger annuity income
The lack of professional financial advice can be costly You only have one opportunity to shop around for your annuity. This is called ‘exercising the open market option’. Once you have committed to an annuity provider and started to receive an income, the decision can’t be reversed. So it is essential that you shop around… Continue reading Securing a bigger annuity income
A Budget for makers, doers and savers
What you need to know–the main talking points The Chancellor of the Exchequer, George Osborne, gave his fifth Budget speech to Parliament on 19 March 2014. He unveiled plans to support economic recovery – including tax breaks to boost productivity, exports and manufacturing. The deficit Mr Osborne announced would be lower than expected this year… Continue reading A Budget for makers, doers and savers
Greater choices for retirees
Fundamentally redesigning the UK private pensions system Fundamental plans to redesign the UK defined contribution pension system (as opposed to workplace final salary schemes) were announced as part of the Budget 2014 speech. This is the most far-reaching reform to the taxation of pensions since the regime was introduced in 1921, introducing new flexibility to… Continue reading Greater choices for retirees
Why we are happy to work past the default retirement age
New living patterns require retirement income solutions that offer greater flexibility More than half of over-55s currently in the workforce are happy to work past the default retirement age of 65, according to new research[1] from MetLife. Its nationwide study found 54% of those aged 55 and over who are currently in jobs want to… Continue reading Why we are happy to work past the default retirement age
Generating market-beating returns
How much risk are you willing to take? It is impossible for an active manager to always outperform the market, but through the process of stock selection, active management introduces the potential of generating market-beating returns. For those willing to take on the additional risk that comes with stock market investment, an actively managed fund… Continue reading Generating market-beating returns
Overseas assets
Investors should not delay in disclosing their assets With the latest HM Revenue & Customs (HMRC) campaign aimed at targeting investors with overseas assets, some investors could be worried about the impact this could have on their overseas investments, and others could be put off from investing overseas altogether. However, it’s not all doom and… Continue reading Overseas assets
Time to review your retirement provision?
Keeping track of your pension portfolio pays dividends If you’ve accumulated numerous workplace pensions over the years from different employers, it can be difficult to keep track of how they are performing. There is a danger that long-forgotten plans may end up festering in expensive, poorly performing funds, and the paperwork alone can be enough… Continue reading Time to review your retirement provision?
