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4 top tips to make your retirement savings last
When it comes to saving for when you retire, at the very least you want to ensure that you’re going to have enough to pay for your living costs for the rest of your life. However, what you probably want to be aiming for is a nest egg which allows you to truly enjoy your life after work and do...
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5 Financial Goals for the New Year
Whether or not you’re the kind of person who sees the start of January as the time to set yourself resolutions and stick to them, the period after the excesses of Christmas and New Year is arguably one of the best times to actively get your finances into shape. Here are five money-related...
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Are Robo Advice Platforms a viable business option?
As I wander along the supermarket aisle looking for an easy snack I reach the lasagne area. I have a choice of own brand, Taste the Difference, a Family Pack, Good to Yourself, a Toddler Meal, Basics, Al Forno, Quorn, Vegetable Lasagne, Chicken Lasagne, Charlie Bigham’s and more. And this is...
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Blending solutions at retirement
I was recently asked by a journalist to comment on the idea of ‘blending’ solutions ‘at retirement’. In other words, securing the guaranteed income of an annuity with some of the funds and remaining invested with the rest. Don’t forget, with an annuity neither you or...
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Case study - buying a house
A recent case study for a National Newspaper: The Daily Telegraph recently asked us to comment on a reader who had sent in a question. This is what we said: I have recently qualified as a nurse and have just started my first job with a salary of £21,600 per year. My wife has a job which pays...
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Concerned about the markets?
Our industry broadly agrees that the management of asset allocation is a good route to achieving performance in line with an investor’s attitude to risk and reward. What is not agreed is the correct method or intervals for rebalancing. Some suggest rebalancing daily, monthly, six monthly,...
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Death and Taxes, Two Certaitnies of our Existence
Death and taxes. Two certainties of our existence which we would all love to kick into the long grass. When it comes to taxes the government has been very adept at closing all kinds of loopholes which stop us from avoiding tax. Inheritance tax in particular is more difficult to avoid with many...
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Do you know how much your pension pot is worth?
Recent research from Royal London has found that around five million people in the UK have ‘forgotten’ pension pots from final salary schemes of former employers. What’s more, many of these deferred members of defined benefit funds don’t know how much a lump sum payout of...
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Exercising freedoms barely dreamt of a year ago
In a little over two weeks people aged 55 or over with pension pots will be able to exercise freedoms barely dreamt of a year ago. Pension holders can withdraw all or part of their pension savings at whatever pace they desire. People are considering which cruise to book or which colour of dream car...