Planning for life’s most significant milestones
Understanding retirement cash flow modelling Retirement marks one of life’s most significant milestones, offering the chance to enjoy the rewards of years of hard work. However, ensuring these years are comfortable and secure depends on having a well-organised financial plan. Understanding how to manage your finances during this phase is crucial for maintaining your lifestyle […]
Basic truths about investing
Invest smartly, build your future Investing can feel overwhelming, especially if you are just starting to explore your options. The world of stocks, funds and investment portfolios may seem like a maze of jargon and complexity, but don’t worry. With our professional guidance and a solid grasp of the basics, you can take control of […]
What to consider when taking tax-free cash
Make a more informed decision about how best to utilise your pension savings Making the most of your pension savings requires understanding your options and planning carefully for the future. If you have a defined contribution pension, a key feature to consider is the ability to withdraw tax-free money. This can provide a valuable financial […]
Is it time to maximise your savings and investments?
Unlocking the secrets of tax-efficient saving with ISAs Many people in the UK remain unaware of the tax advantages offered by Individual Savings Accounts (ISAs). Recent research reveals that nearly a quarter (24%) of UK adults mistakenly believe all their savings are tax-free, regardless of the account type or balance[1]. Unfortunately, this misconception could be […]
Generating an income from retirement savings
Planning for a comfortable, flexible and secure future Retirement often signifies the start of a new chapter. An opportunity to pursue your passions, enjoy quality time with loved ones and take a well-deserved break after years of hard work. Building a comfortable nest egg for retirement is an accomplishment, but the real challenge begins when […]
How can millennials save for retirement?
Start early, stay consistent and make time and strategy work for you For Millennials, retirement may appear to be something distant and remote. However, starting to save, even in small amounts, sooner rather than later can greatly enhance your financial prospects. Beginning early offers the benefit of time, which, when paired with a solid investment […]
Asset allocation
Getting the right blend of investment types in your portfolio Growing your wealth and securing your financial future requires more than saving money; it necessitates careful planning and informed decision-making. A key element in this process is determining how to invest your funds. Among the various strategies available, asset allocation stands out as one of […]
Mind the gap
Why you might need to rethink your retirement savings The average worker in the UK may face a significant shortfall in their annual retirement income. Research indicates that many plan to retire with an income of £48,868 a year, which includes the full State Pension of £11,542[1]. However, the reality paints a much bleaker picture.
Closing the gender gap in investing
Young women need to feel more confident about their financial futures When it comes to investing, young women are noticeably lagging behind their male peers. Recent data paints a stark picture, revealing that only one-third (34%) of women aged 18-24 are investing their money outside of pensions[1]. By contrast, nearly two-thirds (64%) of young men […]
How to prepare for retirement
Insights for taking control of your future planning It is clear that enjoying a comfortable retirement is a common goal for many people. However, achieving this requires addressing difficult questions about your savings and vision for retirement. Contributing to a pension is essential for future planning, but how can you assess whether you are on […]