Prioritising short-term needs as opposed to long-term goals Recent years have brought tremendous change around the globe, change that affects us all. People are trying to navigate this shifting landscape, but it’s not easy. In the first Investor Pulse survey conducted by BlackRock, half (50%) of the people surveyed said they feel in control of… Continue reading Navigating a shifting landscape
Category: News
What to consider if you are approaching your retirement
Make sure you have enough income to provide for your needs in the future Sooner or later we will retire, and the decisions we make today are the ones that will determine the standard of living we will enjoy in the future. If you are approaching your retirement there are some very important choices you… Continue reading What to consider if you are approaching your retirement
Will you enjoy your retirement?
How to improve your golden years no matter what your current stage of life Retirement may seem a long way off for you at the moment but that doesn’t mean you should forget about it. Consider our tips, which could help you increase your retirement income – no matter what your current stage of life – and pursue the retirement you envision. How much State Pension will… Continue reading Will you enjoy your retirement?
Will you be affected by the impending new lifetime allowance limit changes
Thousands of pension savers could be impacted by unless they act swiftly If you are making high levels of pension contributions you will need to obtain professional financial advice to make sure that you know whether you will be affected by the impending new lifetime allowance (LTA) limit changes. Thousands of pension savers could be… Continue reading Will you be affected by the impending new lifetime allowance limit changes
In sickness or in wealth
Could you lose thousands from your wages due to sickness? A new report unveiled by LV= reveals that the average Briton spends almost a year (360 days) off sick. With on average 252 days in a working year, this equates to almost a year and a half of their working life. Current health of the… Continue reading In sickness or in wealth
Different types of annuity
Choosing the right option for you In the UK, there are basically two types of annuity: pension annuities (compulsory purchase) purchased life annuities (voluntary purchase) All annuities share the following characteristics: they pay a level of guaranteed income they turn a lump sum into a stream of future income lifetime annuities guarantee to pay an income for as long as… Continue reading Different types of annuity
Occupational workplace pensions
Most employers are obliged to have an occupational pension scheme for their employees There are two main types of occupational workplace pension schemes: Defined-contribution schemes A defined-contribution (DC) or money-purchase pension scheme is one that invests the money you pay into it, together with any employer’s contribution, and gives you an accumulated sum on retirement, with… Continue reading Occupational workplace pensions
It can be reassuring to take a long-term perspective
As wealth grows, so too can the complexity of its management. Our approach is to cut through complexity and offer you clear guidance to achieve your goals. Today’s challenging economic and global conditions, coupled with uncertainty in Europe, North America and China, have combined to create a degree of cautiousness among many investors. A long-term… Continue reading It can be reassuring to take a long-term perspective
UK Trusts, passing assets to beneficiaries
You may decide to use a trust to pass assets to beneficiaries, particularly those who aren’t immediately able to look after their own affairs. If you do use a trust to give something away, this removes it from your estate provided you don’t use it or get any benefit from it. But bear in mind… Continue reading UK Trusts, passing assets to beneficiaries
Developing an investment strategy
Allow your lifestyle to dictate your investment approach To make the most of your investment opportunities, allow your lifestyle and not stock market fluctuations to dictate your investment approach. Your goals are what count, so keep them firmly in mind when you make financial decisions. Long-term strategy Many investors use a consistent, long-term strategy to… Continue reading Developing an investment strategy
