Young visionaries eye early retirement

The power of small changes can lead to a path to significant returns The dream of early retirement is alive and well among the younger generation. Still, to realise this dream, they must prepare to bolster their pension savings by an estimated 15%. A recent study has revealed that approximately one-fifth (17%) of youthful savers […]

Pension puzzle

Research highlights the gender disparity in financial engagement A recent study has identified an alarming discrepancy in financial confidence between genders. It shows that women are 33% more likely to confess to a lack of understanding about their pension operations[1]. This gap in comprehension could be a potential reason why some women seem less inclined […]

Health consciousness divide

Why prevention is better than cure Living a healthy lifestyle over a prolonged period significantly reduces the risk of developing various diseases as we age. This concept is rooted in the idea that our daily habits and behaviours profoundly impact our long-term health outcomes.

The gift of giving

Distributing assets or cash without contributing to your estate’s overall value for Inheritance Tax purposes In the unfortunate event of one’s passing, there’s a possibility that HM Revenue & Customs (HMRC) may levy an Inheritance Tax (IHT) bill on the deceased’s estate. The estate’s total value determines the sum due after deducting any debts and […]

Jeopardising financial stability

Protecting you and your family’s financial future Securing your family’s financial future is a multifaceted responsibility beyond merely accumulating savings and making long-term investments. It encompasses the creation of a comprehensive plan that ensures the wellbeing of your loved ones, even in the face of unexpected adversities.

Postponing retirement

An increasingly growing trend in Britain Recent studies indicate that approximately half (49%) of non-retired Britons plan to extend their working lives beyond the age at which they’ll receive their State Pension[1], equivalent to approximately 19.2 million individuals[2].

Unpredictability of financial climates

Strategic diversification of your investments can be your first line of defence The world of financial markets is a fascinating and ever-changing landscape. Much like the weather, the climate of these markets can shift rapidly. One moment, everything might be calm and sunny, with investors full of optimism and bullish about the future. Then, a […]

Proactive retirement planning

A growing trend among mid-lifers prioritising their future financial stability A recent study reveals a promising trend among 45- to 54-year-olds in the UK[1]. Six out of ten individuals in this age group are actively working towards bolstering their retirement savings[2]. These mid-lifers are prioritising their future financial stability, implementing changes in their current spending […]

The £26 billion lost pension maze

Unclaimed pensions could mean thousands of pounds added to your retirement fund Navigating the world of pensions can be challenging, particularly when you’ve participated in various schemes or shifted jobs throughout your working life. Pension plans may close, merge or change names as time progresses, adding to the complexity. It might have been rebranded even […]

Life’s complicated. Getting life insurance shouldn’t be

Make sure your loved ones are looked after should the worst happen Significant life changes, such as getting married, having a baby and buying a property, are key times to consider protecting your family’s future. Life insurance assures that your loved ones won’t face financial stress in your absence and this peace of mind is not […]