Retirement plans being put in jeopardy

Pandemic threatens pushing over-50s into pension poverty and throws retirement plans into jeopardy. More than half (53%) of people in their 50s fear running out of money in retirement, as they have been the most likely to face job and income losses of any age group during the coronavirus (COVID-19) pandemic (23%), according to a…

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What’s happening with inflation?

Easing of lockdowns boosts consumer confidence and unleashes pent-up demand. Understanding inflation is an important factor when it comes to your financial success. If you don’t factor inflation in when deciding where to put your money – whether that’s savings accounts or investing – you could find your wealth shrinks over the years. The current…

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Financial Futures

Gen Xers expected to face significant challenges in retirement With many Gen Xers (those born between 1965 and 1980) having entered the job market too late to benefit from final salary pensions, yet too early to benefit from schemes such as auto-enrolment, this group is expected to face significant challenges in retirement if policymakers fail…

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Gender pension gap

The staggering impact of the gender pension gap has been revealed in research which shows that women have lower pension pot sizes in every age bracket, with the situation significantly deteriorating as they approach retirement. PENSION POT SIZES The research highlights that there is always a difference in pension pot sizes between genders, even at…

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Property wealth boost

Older homeowners received a £1.94 billion property wealth boost in the first half of 2021, data shows. More than half of the proceeds of equity release (52%) were used to clear mortgages (45%) and manage unsecured debts (7%), while 23% was used to help family and friends – notably for help with house deposits as…

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How has COVID-19 affected retirement plans?

The coronavirus (COVID-19) pandemic has impacted on every aspect of our lives, affecting individuals’ financial situation and, for many, their plans for retirement. If you are approaching retirement in the next 12 months, your plans should be under continuous review. In This article I will be discussing how COVID-19 has affected peoples retirement plans.  …

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Six principles of investing

How to invest your money and avoid costly mistakes 1.Have a plan and stick to it It is one thing to have a target, but a sound financial plan can be the difference between simply hoping for the best and actually achieving your goals. You can review your plan regularly with your professional financial adviser…

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Risk for return

Improving your chances of achieving your investment goals. If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. You might…

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October Facts Sheets

All of our October financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…

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Focusing on long-term horizons

A strategy that reflects your risk tolerance and time horizon. Trying to second-guess how events will impact on markets – or even attempting to make a bet on them – rarely pays off. Instead, investors who focus on long-term horizons – at least five to ten years – have historically fared much better. Sensible diversification…

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Technology we use to benefit clients

In the past decade or so we have witnessed the use of technology vastly disrupt many industries from healthcare to Automotive. These industries embraced the change and as a result benefited from the many positives technology can bring. Most people are reluctant to change, however those which embrace it tend to thrive, whereas those that…

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Talking through your financial objectives

Knowing yourself, your needs and goals, and your appetite for risk is essential. A financial review is a great way to take a fresh look at your finances and plan for the journey ahead. More importantly it enables you to talk through your long-term financial objectives and discuss with us a way forward to deliver…

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