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Combined finances

Combined finances

Combined finances Planning ahead for your financial future together Some couples may prefer to keep their finances separate, while others share everything. Whichever method you’ve chosen, when it comes to retirement saving, it’s worth planning together to ensure...

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Retirement finances

Retirement finances

Retirement finances COVID-19: third of retirees fearful due to negative impact Six years on from pension freedoms, non-advised savers aged over 50 are facing a ticking time bomb at retirement, according to a new survey[1]. 66% of those saving into a defined...

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Suspending pension contributions

Suspending pension contributions

Suspending pension contributions Think carefully about how action taken now could affect your retirement As more people worry about money and are struggling financially as a consequence of the coronavirus (COVID-19) pandemic, it’s likely that reducing or stopping...

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ISA transfers

ISA transfers

ISA transfers Time to widen your range of investment choices? If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping them all in one place could give you better control and help you save money. There’s a common misconception...

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Goals based investing

Goals based investing

Goals based investing Are you giving yourself the best chance of success? Before you start, defining any goals you may have will help you plan, budget and choose the right investments. Your goals might be around enhancing your current lifestyle, planning for your...

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How much is the State Pension?

How much is the State Pension?

How much is the State Pension? Understanding what you’ll receive and when While many people have some savings for retirement, most of us will also depend on the State Pension to help cover our living costs. The full new State Pension payment is currently £175.20 a...

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Funding long-term care

Funding long-term care

Funding long-term care How much will it cost to enjoy life in later years? Long-term care covers everything from residential and nursing homes to home care. It is provided by a range of different organisations, including local authorities, the NHS and private and...

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Generation COVID-19

Generation COVID-19

Generation COVID-19 Financial support to younger members as a direct result of the pandemic The coronavirus (COVID-19) pandemic has led to more people supporting younger family members financially. New research shows that 5.5 million older family members expect to...

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Investing for your child’s future

Investing for your child’s future

Investing for your child's future Even small amounts can build up a substantial nest egg Decided it’s time to start saving for your little one? Putting money aside for your child is a great way to prepare them for their future, and can also teach them valuable lessons...

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Critical factor

Critical factor

Critical factor Protection for you and your loved ones What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in...

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Advice matters

Advice matters

Advice matters Life events that professional financial advice can help you navigate In the current climate, we understand that you may be feeling worried about your work, your finances and what the future holds. Research carried out by the Office for National...

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Passing on pension benefits

Passing on pension benefits

Passing on pension benefits Providing for your loved ones after your death If you’ve spent a lifetime saving for retirement, you’d probably like any remaining money to go to a loved one after your death. But whether pension benefits are payable to a beneficiary, and...

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Wealth creation

Wealth creation

Wealth creation Where can you turn if you want to invest tax-efficiently? Tax-efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life. If you have an income of over £50,000 it doesn’t just...

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Reduce your Inheritance Tax bill

Reduce your Inheritance Tax bill

Reduce your Inheritance Tax bill 10 ways to protect your estate for your loved ones Even those who believe they have moderate wealth levels may still need to take action to minimise Inheritance Tax, particularly if they own property and have savings and investments....

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Pension options

Pension options

Pension options Planning your financial future, and how to get there One thing retirement is not, is an age. Not any more anyway. Gone are the days of being told to stop working one day and pick up your State Pension the next. Today you have new pension freedoms to...

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Responsible investing

Responsible investing

Responsible investing Invest today. Change tomorrow Responsible, sustainable and environmentally friendly investing is here to stay. But, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest...

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Tax planning reimagined

Tax planning reimagined

Tax planning reimagined Identifying the best options to preserve your wealth No one likes to pay tax on their hard-earned money. But due to the complexities of the tax system, without expert professional financial advice, some individuals could be paying more tax than...

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Inflation beaters

Inflation beaters

Inflation beaters How to ensure your money is protected from rising inflation With current interest rates on cash savings very low, it is difficult to achieve growth above the rate of inflation. And if the cost of living is rising faster than your savings are growing,...

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ISA deadline 5 April 2021: use it or lose it

ISA deadline 5 April 2021: use it or lose it

ISA deadline 5 April 2021: use it or lose it Make the most of the tax breaks before it’s too late If you hold a Cash Individual Savings Account (ISA) you may be dissatisfied with the low rates of interest you receive, which could make it difficult to grow your money...

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Why cash may not be king

Why cash may not be king

Why cash may not be king How much of your wealth do you currently hold in cash? One paradox of the coronavirus (COVID-19) pandemic is that even as businesses have shut down and jobs have disappeared, some British households have on average been saving more money than...

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Setting financial goals

Setting financial goals

Setting financial goals Any goal, let alone financial, without a clear objective is nothing more than a pipe dream The New Year is a great time to make financial resolutions but, unfortunately, achieving financial goals isn’t quite that simple. Habits become ingrained...

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