10 tips to achieving your financial goals

10 tips to achieving your financial goals

Time to diagnose your money situation with a financial health check? Even if you have a solid financial plan in place, it still needs to be updated regularly to ensure it reflects any life changes. But what should your priorities focus on now? Is it time to turn your attention to your pension, your ISA, your mortgage, or something else? Should you be thinking about investing more for your children’s education or putting an estate …

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Setting up a new life

Setting up a new life

One of the freedoms of retirement is getting to choose where to live What makes a good place to retire? It’s one of the most basic questions people ask themselves when they start planning for retirement. It’s also one of the most crucial questions and one that, surprisingly, many people don’t give a lot of thought to. If there was one perfect spot to match the needs of every retiree, deciding where to retire would …

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Divest or engage?

Divest or engage?

ESG matters are increasingly important in both retirement and investment planning Environmental, social and corporate governance issues are increasingly in the news, with some high-profile companies facing public scrutiny, corporate action or litigation. In a world where doing good means a better, more sustainable future, environmental, social and governance (ESG) factors have become an essential measure for sustainability and ethics of a business. Pension schemes are an important part of the investment chain, and according …

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Caveat emptor: ‘let the buyer beware’

Caveat emptor: ‘let the buyer beware’

Increase in victims of financial scams related to COVID-19 As a result of the coronavirus (COVID-19) pandemic, there has sadly been an increase in the number of fraudsters exploiting people’s fears, targeting pension savers, investors and online consumers. New research reveals one in five (22%) have received emails, texts, phone calls and other communications that mentioned coronavirus and which they suspected to be a financial scam – which equates to around 11.7 million people in …

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Revolutionising the retirement landscape

Revolutionising the retirement landscape

Navigating complex decisions to shape your retirement finances Pension freedoms have put a greater onus on people to keep themselves informed of their options when it comes to accessing their pension money. However, little knowledge and understanding of the rules could mean some people risk making decisions that are not best for them. For people in their 40s and 50s, understanding retirement savings is especially critical. Pension freedoms now give savers full access to their …

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Millennials look to build long-term wealth

Millennials look to build long-term wealth

Giving up on cash altogether, disillusioned by today’s dismal savings rates The number of people in their 20s and early 30s choosing to invest in a Stocks & Shares Individual Savings Account (ISA) prior to the coronavirus pandemic outbreak increased according to the latest HM Revenue & Customs annual ISA data[1]. Research shows that Generation Z and Millennials are now more likely to invest than Baby Boomers. Many have given up on cash altogether, disillusioned …

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Over-50s with no pension provision

Over-50s with no pension provision

Consequences of not saving enough for retirement in our twilight years Planning ahead for retirement will help ensure you’re on track to achieve the financial future you want. However, millions of retirees may face the prospect of living in poverty during their twilight years and having to rely only on the State Pension as a result of failing to plan ahead for their retirement, according to new research[1]. People are living longer. This is good …

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Funding Long-Term Care

Funding Long-Term Care

More of us can expect to require some form of long-term care Whether you are looking for care for yourself or a loved one, chances are that one of your first thoughts is going to be: ‘How much is it going to cost?’, swiftly followed by, ‘Who is going to pay for it?’ Understanding all of the different funding options can make a big difference to the care you ultimately choose. Depending on your situation, …

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Navigating the financial impact of COVID-19

Navigating the financial impact of COVID-19

How people’s physical health and financial well-being are being affected Needless to say, coronavirus (COVID-19) has had, and will continue to have, a major impact on our lives. It is not just impacting on people’s physical health but also their financial well-being. Research highlights how the finances of the UK’s households have been affected by the coronavirus outbreak[1]. Given the economic uncertainties caused by COVID-19 and the extended lockdowns, financial worries have increased. During these …

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Financially Supporting Younger Generations

Financially supporting younger generations

Giving grandchildren financial security is an important goal for many If you are a grandparent, it’s natural to want to help out the family. And if you’re able to give a financial boost – whether it’s a loan or a gift – to the younger generation, it can be enormously rewarding for you too. Even during the current coronavirus (COVID-19) crisis, some grandparents may be enjoying generous final-salary pensions and are also benefiting from the …

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