How to prepare your portfolio for inflation
Very low or very high inflation is damaging to the economy. The aim is usually to try and keep CPI at 2% in order to maintain a ‘Goldilocks Economy’ – not too hot, not too cold. Continue reading “Goldilocks economy”
Should I invest into a pension or an ISA?
Investors looking for tax-efficient ways to build a nest egg for retirement often look to both Individual Savings Account (ISAs) and pensions. Tax-efficiency is a key consideration when investing because it can make a considerable difference to your wealth and quality of life. Continue reading “Smart investments”
Reaching specific life goals requires planning
If you don’t know where you want to go, you’ll find it tricky getting there! Investment goals cover everything from the old adage of saving for a rainy day to planning for a comfortable retirement. Continue reading “Why do you want to invest?”
Innovative products to be created for would-be home owners
The Building Societies Association (BSA) have recently published a raft of recommendations as to how the mortgage industry can support the Bank of Mum and Dad in their endeavours to help first-time buyers onto the property ladder. Continue reading “Bank of Mum and Dad”
Spreading risk by accessing different types of assets
Investing for the long term means persisting through market swings. History shows that when people invest and stay invested, they’re more likely to earn positive returns in the long run. When markets start to fluctuate, it may be tempting to make financial decisions in reaction to changes to your portfolio. Continue reading “Wealth creation”
Over six million adults refuse to discuss their Will with loved ones
Making a Will is very important if you care what happens to your money and your belongings after you die, and most of us do. But have you tried to talk with your parents about their Will? If that conversation isn’t happening, you’re not alone. Continue reading “Why silence isn’t necessarily bliss”
Breach may impact on more than a million workers
An estimated 1.25 million people are set to breach the current lifetime allowance (LTA) £1.055 million lifetime limit for pension tax relief over the course of their working life, according to new research published[1]. Continue reading “Lifetime allowance”
Half a million workers past pension age could be paying unnecessary tax
A significant number of people working past the State Pension age could be paying unnecessary tax on their State Pension, according to new research[1]. This is because they failed to take up the option of deferring their State Pension until they stopped work. As a result, their entire State Pension is being taxed, in some cases at 40%. Continue reading “State Pension”
Nearly £20 billion unclaimed money and growing
The scale of the UK’s lost pensions mountain has been exposed by the largest study yet on the subject[1]. The Pensions Policy Institute surveyed firms representing about 50% of the private defined contribution pensions market[2]. Continue reading “Tracing a lost pension”
Pension freedoms usher in a new generation
The introduction of pension freedoms has been a huge enabler for over-55s, allowing millions to draw income from their pensions flexibly. Pension freedoms offer the opportunity to transition into retirement by continuing to work with reduced hours beyond traditional retirement age. Continue reading “Freetirees”
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