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Looming pension pitfall

Looming pension pitfall

£50 billion of hard-earned pension funds could be in jeopardyRecent investigations by the Centre for Economics and Business Research have illuminated a daunting predicament facing the United Kingdom’s pension sector[1]. An alarming £50 billion of hard-earned pension...

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Reliance on Defined Benefit pensions among over 50s

Reliance on Defined Benefit pensions among over 50s

Diverse avenues through which individuals plan to supplement their retirement incomeRecent research reveals that a significant proportion of individuals over 50 years old anticipate relying on secure income sources, such as Defined Benefit (DB) pensions, for their...

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UK retirees confronting pension shortfalls

UK retirees confronting pension shortfalls

Many regret not having commenced their savings journey earlier in their careersUK retirees are encountering significantly smaller pension pots than they had anticipated, with a considerable number expressing regret over not having commenced their savings journey...

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Employee preferences in Workplace Pension selection

Employee preferences in Workplace Pension selection

Complex landscape of employee preferences, confidence and skillsRecent developments have seen the government introduce a Lifetime Provider model for workplace pensions, a move that has sparked considerable interest and debate. Findings from a recent survey reveal a...

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Strategic reinvestment of State Pension increases

Strategic reinvestment of State Pension increases

When transferring into a personal pension may make senseFollowing the 8.5% rise in the annual State Pension from 6 April, the redirection of this enhanced income into private pension savings could make sense under certain conditions. The idea of investing one’s State...

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Mind over matter

Mind over matter

How behavioural investing can shape financial futuresIn the world of investing, where numbers and market analyses typically dominate, a crucial element often remains veiled in the backdrop – our behaviour. Behavioural investing emerges as a pivotal field, merging the...

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Overcoming the gender investment disparity

Overcoming the gender investment disparity

Critical insights to empower women to take the reins of their financial destiniesA recent study has spotlighted women and investing, offering critical insights that aim to empower women to take the reins of their financial destinies and forge paths toward a prosperous...

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Unveiling the core principles of investing

Unveiling the core principles of investing

Timeless beacons guide investors through periods of market volatility towards financial prosperityIn finance, the core investing principles stand as timeless beacons, guiding investors through periods of market volatility towards financial prosperity. These...

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New pension tax framework

New pension tax framework

Pivotal shift changes you need to know commenced from 6 April 2024Beginning on 6 April 2024, a pivotal shift in pension benefit taxation commenced. The Lifetime Allowance (LTA) was replaced by a new structure comprising three distinct allowances: the Lump Sum...

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Troubling trend amongst UK workers

Troubling trend amongst UK workers

Prevailing issue of presenteeism highlights a need for a transformation in workplace cultureIn an era where the lines between work and personal life are increasingly blurred, a new study sheds light on a concerning trend among UK employees. Despite advancements in...

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Generational wealth perspectives

Generational wealth perspectives

Whether through property, pensions or a blend of both, informed decision-making is crucialA recent study suggests that a substantial proportion of Generation Z, born from 1996 to 2010, view property acquisition as their principal avenue to amass wealth for their...

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Understanding pension uncertainties

Understanding pension uncertainties

Survey highlights prevailing uncertainty among those on the cusp of retirementA recent study reveals that a considerable proportion of UK adults, including a significant number nearing retirement, find themselves in a quandary regarding their State Pension...

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Rising trend of unretirement

Rising trend of unretirement

14% of those aged over 55 have found themselves re-entering the workforceIn recent times, a significant portion of retirees, specifically 14% of those aged over 55, have found themselves re-entering the workforce, driven by the inadequacy of their pensions to meet...

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Navigating Inheritance Tax

Navigating Inheritance Tax

How to pass on assets to the next generation to secure their future for tomorrowInheritance Tax (IHT) represents a significant consideration for anyone looking to pass on assets to the next generation. As of the 2024/25 tax year, IHT incurs a 40% charge on the portion...

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Enhancing pension contributions for a brighter future

Enhancing pension contributions for a brighter future

New tax year, new you? Maximise your pension savings this new tax yearAs we embark on the new tax year, it presents an opportune moment to review your pension savings strategy, setting a solid foundation for future financial stability. Early attention to your private...

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Changes to Individual Savings Accounts in 2024

Changes to Individual Savings Accounts in 2024

Why savers and investors now have a more flexible approachIndividual Savings Accounts (ISAs) offer a versatile and tax-efficient way to save for the future, whether for yourself, your children or grandchildren. Now that we have entered the new financial year, on 6...

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Costs of later-life care

Costs of later-life care

Establishing a thorough wealth strategy is key to ensuring financial readinessThe financial implications of care in later life are often underestimated, leaving many unprepared for the substantial costs associated with care homes. Establishing a thorough wealth...

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Prudence of perseverance in investing

Prudence of perseverance in investing

Maintaining an investment stance centred on the potential for long-term growthFor investors, the perennial question of whether to ‘stick or twist’ with their current investments or pivot towards the perceived safety of cash is fundamental. Numerous factors influence...

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Britons procrastinate on making a Will

Britons procrastinate on making a Will

Research identifies that over half of adults do not have a WillRecent research has uncovered that a staggering 51% of adults in the UK have neither penned a Will nor are they in the process of doing so[1]. This statistic encompasses 13% of individuals affirmatively...

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Enhancing retirement through lump sum contributions

Enhancing retirement through lump sum contributions

Contributing additional amounts to your pension stands to benefit you significantly in the long termRecent research findings have brought to light a striking observation: fewer than 10% of adults in the UK contribute occasional lump sums to their pensions[1]. This...

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