Year: 2018

Market exposure

Build a portfolio that meets your needs The earlier you commit to an investment strategy, the longer your money can work in the market. However, the world is an uncertain place at the moment. The deadline for the United Kingdom’s withdrawal from the EU is edging closer, and there is also the ongoing threat of an all-out trade war breaking out. Investing should be for the long term. Why? Because markets and the economy have …

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Pension freedoms

Taking responsibility for funding our own retirement Although each generation will likely face different challenges and opportunities, achieving retirement readiness will require actions common to us all. We all know that our aging population and increased life expectancy are putting a strain on government finances. Following pension freedoms, there’s greater choice than ever before in how you access and take your retirement benefits. Now, more than ever, it is vital that we all take responsibility …

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Investing for tax-free dividends

No longer the precursor to end-of-tax-year planning Venture Capital Trusts (VCTs) provide the opportunity for appropriate investors to support the growth of small UK businesses and receive attractive tax reliefs in return. Introduced in 1995, VCTs enable smaller companies that may find it hard to get traditional finance, such as from banks. VCTs have historically been used as an end-of-tax-year financial planning tool, but this is no longer the case. They may appeal to investors …

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Funding your golden years

Tax aspects require careful planning after recent government changes Pensions have the reputation of being confusing, but they needn’t be. Private pensions are usually used by people who don’t have access to a workplace pension scheme, but you can also have one if you are employed or not working. They work in much the same way as workplace pension schemes, but you, rather than an employer, are responsible for choosing the provider and setting up …

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Dot-com crash to global financial crisis

Busting the myths of investment companies’ performance Saturday 15 September 2018 marked ten years since the collapse of Lehman Brothers. And with the bull market following the global financial crisis – now the longest in history in the US – it’s useful to revisit the past. The Association of Investment Companies (AIC)[1] has looked at the long-term performance of investment companies from just before the dot-com bubble burst in 2000 and just after the collapse …

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Independence plan

Least financially resilient group delay life milestones due to financial insecurity Life can get complicated when you hit your early thirties, which means your finances are starting to get serious. You might be in the middle of countless transitions, like moving up in your career, starting a business, buying a home, getting married, having children…and a whole lot more. A study[1] reveals that people in their early thirties are putting off life milestones, such as …

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Sandwich Generation

Financially squeezed between elderly parents and children Faced with the task of caring for elderly parents alongside your children, being in the Sandwich Generation can be a testing time. Finding yourself squeezed between – and often by – these two generations can be very stressful. As well as facing time pressures, chances are your finances will be stretched too. New research[1] warns that the UK’s Sandwich Generation is feeling strained when it comes to their …

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Guide to the Autumn Budget 2018

Download Now » Philip Hammond, the Chancellor of the Exchequer, delivered his third Budget to Parliament on 29 October 2018 and what should be the last one before Brexit in March next year. What should you take away from this year’s Chancellor’s Autumn Budget 2018? Mr Hammond opened the Budget by declaring it was aimed at hard-working families, ‘the strivers, the grafters and the carers’, and would pave the way for a ‘brighter future’. He …

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Later retirement

Workers extend their careers for a multitude of reasons When do you plan to retire? Saving for your retirement is a lifelong undertaking – and if you want to enjoy a comfortable retirement, you can’t start planning soon enough. The more you contribute to a pension now, the better chance you’ll have of that money growing and funding your retirement in later life. But the proportion of UK employees who say they will work beyond …

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Seize the day – today

Make your vision a reality Exactly how much you’ll need for a comfortable retirement will depend largely on your cost of living and lifestyle choices. For many people, retirement is about sun-soaked holidays, leisurely rounds of golf and that boat they’ve always coveted. But retirement is not what it used to be, with more of us working longer to build up our decided retirement income. So it’s essential to reassess how much you’re saving into …

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