‘Uncategorized’ Archive

Savings black hole

Inflation set to erode Britain’s £60 billion cash savings Millions of Britons could see their savings shrink, as they don’t know how to shield them from the threat of rising inflation. Currently, UK savers are hoarding over £60 billion[1] in cash for long-term savings and investments, which stands to be eroded by £1.5 billion this […]

Buy-to-let

Boom to be sustained by pension freedoms In the previous five years, buy-to-let has seen the impact of huge property price increases. THERE HAVE BEEN legislative changes, new tax treatment and deep economic uncertainty across the country.

Bank of Mum and Dad

The UK’s most lenient lender? The Bank of Mum and Dad is potentially the UK’s most lenient lender. its relaxed approach means it ends up writing off huge numbers of loans each year, according to new research[1].

Balancing act

You’ve worked hard for your money – now investing can get your money working harder for you Before investing, you need to decide how much risk you are willing to take and consider your ability to deal with any losses. Some investors are happy to take higher risk if there is a chance for higher […]

‘Empty nesters’ plan to downsize

Convenience rather than cash is the biggest motivation There are plenty of reasons why moving into a smaller home makes sense, and more than 3.9 million over-55 ‘empty-nesters’ approaching retirement are planning to downsize to a cheaper property later in life[1] – but it is convenience rather than the cash that is their biggest motivation.

Are you ready to invest?

5 reasons to open a Stocks & Shares ISA Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). Low interest rates on cash savings since the financial crisis have meant that many savers have turned to the markets in the hope of achieving a better return. 

Retirement delays

Access to health and well-being support in the workplace There is now a clear trend of people working for longer and delaying their retirement. Although some are staying in work out of financial necessity, others want to keep working because they value the mental and social stimulation their job brings.

Self-Invested Personal Pension benefits on death

Declaring who you want the payments to go to If you die, your Self-Invested Personal Pension benefits will be paid to your beneficiaries – either as a lump sum or an ongoing pension. You’ll need to complete a nomination form declaring who you want the payments to go to. The tax treatment of any death […]

Shopping around for an annuity

One-time purchase that affects your whole retirement Due to the current economic climate, it has never been more important to make the correct decisions when deciding how to invest a retirement fund. If you decide an annuity is right for you, it’s important to shop around. It’s a one-time purchase that affects your whole retirement, and […]

Lifetime annuity

Guaranteeing you a regular retirement income for life An annuity allows you to use your pension fund to buy an income from the provider of your choice. The annuity guarantees regular payments until you die. Normally, once purchased, it cannot be altered. There are different types of annuity available in the market, and you should […]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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