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£32 billion hole in UK savings pots

£32 billion hole in UK savings pots

Rise in living costs forcing many people to dip into their financial reservesThe average cost of housing, food, and energy bills have increased by nearly £500 per month as of September last year compared to August 2022, according to statistics regarding the cost of...

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Treasure trove

Treasure trove

£26.6 billion in forgotten pensionsDid you know as many as 1 in 20 people could have a pension they didn’t think they had? Could that be you? It’s estimated £26.6 billion is currently trapped in forgotten pensions, averaging about £9,500 each[1]. With most individuals...

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The power of prevention

The power of prevention

An effective financial plan acts as your protective shieldIn the realm of financial well-being, an old adage rings particularly true: ‘Prevention is better than cure.’ An effective financial plan acts as your protective shield, specially designed to weather any...

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Investing after retirement

Investing after retirement

Preserving wealth for your future lifestyleAfter a lifetime of hard work, you’ve successfully built a substantial and comfortable retirement account. Congratulations are in order. You’ve officially entered the golden years of retirement! Now, it’s time to enjoy the...

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The forgotten task on Britons’ to-do list

The forgotten task on Britons’ to-do list

Financial pitfalls that could have been easily avoidedManaging retirement plans and paperwork can seem daunting in our fast-paced, constantly evolving world. Yet, it’s an essential chore that should not be pushed aside. Not staying up-to-date with your retirement...

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Heightened interest rates increase demand for annuities

Heightened interest rates increase demand for annuities

What will you do with your hard-earned pension pot at retirement?As we navigate life’s journey, retirement presents both a dream and a challenge. It’s the stage where we finally enjoy the fruits of our labour, a time for relaxation, exploration, and personal growth....

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Gender pension gap

Gender pension gap

The potential barrier to reaching the same savings levels as menThe gender pension gap is an issue that extends beyond just the disparity in earnings between men and women. It also encompasses other aspects such as financial confidence, engagement with financial...

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Make the most of your wealth

Make the most of your wealth

Opening up a world of possibilities for your futureLike health, the more meticulously you manage your wealth, the longer it lasts. A growth strategy seeks to amplify your wealth over the long haul, opening up a world of possibilities for you. Whether you dream of a...

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Charting your financial future

Charting your financial future

Tackling retirement anxieties requires understanding your current financial resourcesRetirement is often seen as the golden phase of life, a period earmarked for relaxation and pursuing personal interests. However, a recent study has pointed towards an increasing...

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Securing retirement

Securing retirement

The art of de-riskingFor many individuals, their pension investments are allocated to funds. These could be funds selected by their pension provider or ones they’ve chosen independently. Traditionally, retirement planning has centred around investing in shares-based...

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Financial road map for 2024

Financial road map for 2024

How to devise a robust plan for wealth accumulation and protectionUnderstanding your financial situation is crucial to achieving both short-term and long-term objectives. With a detailed insight into your finances, you can maximise your assets and devise a robust plan...

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Succession planning, a family affair

Succession planning, a family affair

A delicate process that requires clear communication and effective planningTransferring wealth within a family is a delicate process that requires clear communication and effective planning. Otherwise, it could lead to a potentially large tax bill and bad feelings in...

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A tax-efficient, flexible method for future planning

A tax-efficient, flexible method for future planning

Time is running out to use your 2023/24 ISA allowanceInvesting in an Individual Savings Account (ISA) is a tax-efficient, flexible method for future planning. One of the most attractive features of an ISA is its tax benefits – it’s immune to both Income Tax and...

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Balancing profit and planet

Balancing profit and planet

Striving to use impact to boost investment returnsESG (Environmental, Social, and Governance) investing, a socially responsible investing approach, seeks to harmonise financial returns with a company’s environmental impact, stakeholder relationships, and global...

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Tax-saving measures

Tax-saving measures

What actions to review before the 2023/24 year-end?Have you recently evaluated your personal tax situation? Is your tax structure optimised for efficiency? As we approach the end of the tax year on April 5, 2024, it presents an ideal opportunity to assess and leverage...

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Time to SIPP into financial freedom?

Time to SIPP into financial freedom?

‘I want to take charge of my retirement savings’A Self-Invested Personal Pension (SIPP) is more than just a pension. It’s a gateway to financial freedom, offering you an unparalleled level of control. With a SIPP, you are at the helm of your investment decisions,...

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Changes to the State Pension

Changes to the State Pension

‘Triple Lock’ to increase by 8.5% from 6 April 2024The State Pension is set to increase commencing on 6 April 2024 due to a mechanism known as the ‘Triple Lock’. Chancellor Jeremy Hunt has announced an increase of 8.5%, which pensioners will welcome. The State Pension...

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National Insurance Contributions (NICs)

National Insurance Contributions (NICs)

Significant reforms and rates cut for millions of workersNational Insurance is a cornerstone of the welfare and benefits system. As a citizen, your contributions will likely play a significant role in funding state provisions such as pensions, maternity leave, and...

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Time to kickstart your retirement plans?

Time to kickstart your retirement plans?

How to get your retirement plans in motionRetirement signifies a well-deserved achievement, a significant turning point in life. It should be a period of anticipation and joy, an opportunity to indulge in activities that bring happiness and contentment. Currently,...

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Weathering the inflation storm

Weathering the inflation storm

Is it time to diversify your portfolio?The mantra ‘Cash is king’ has echoed through the investment world for years. Cash forms the backbone of our society - it pays for our purchases, settles our debts, and serves as a liquid asset in tough times. As long as money...

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Fixed-income investments

Fixed-income investments

Providing significant value in a diversified investment portfolioFixed-income investments, often called bonds, offer a unique blend of benefits that can provide significant value in a diversified investment portfolio. They strike a balance between shares and cash...

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