What we do collectively this decade – including how we invest – could mark the difference between starkly different futures. Our actions now will determine whether we face a future plagued by environmental degradation or one where we have successfully mitigated some of the most pressing ecological concerns.
Continue reading “Shaping a sustainable future”
New research has revealed that five million childless households in the UK currently lack life insurance, pensions or savings[1]. This alarming statistic underscores a broader shift in how families are structured and how financial priorities are set across the nation.
Continue reading “New study uncovers financial vulnerability in five million UK households”
Legacy planning holds different meanings for different individuals. For some, it is about ensuring their loved ones are financially secure; for others, it involves safeguarding cherished possessions or supporting charitable causes. Central to this process is drafting a Will, a pivotal legal document that allows you to dictate the distribution of your money, property and possessions after your death.
Continue reading “Have you secured your legacy?”
Redundancy can be challenging and stressful, often creating uncertainty about the future. However, it can also signal the beginning of a positive new chapter in your life. For many, this transition period offers a unique opportunity to reflect on personal and professional goals and consider new directions that might have previously seemed unattainable.
Continue reading “Redundancy and your pension”
With interest rates much higher than they’ve been for many years, using your pension tax-free lump sum to pay off your mortgage might initially seem prudent. Reducing your monthly outgoings can be appealing, particularly if you’re approaching retirement and looking to streamline your financial commitments.
Continue reading “Should you use your pension lump sum to pay off your mortgage?”
More than half (54%) of UK retirees foresee themselves working beyond their preferred retirement age, extending their careers by an average of seven years, according to a new report[1]. This concerning trend highlights a significant gap between the age at which people wish to retire and the financial realities dictated by their pension savings.
Continue reading “The retirement gap”
In recent years, the rise in remote work, significantly accelerated by the global pandemic, has given many individuals the flexibility to work from virtually anywhere. Coupled with a mounting cost of living crisis, this newfound freedom has led many people to contemplate the prospect of moving abroad.
Continue reading “The rise of remote work and moving abroad”
Thousands of mothers who have missed out on their full State Pension entitlement due to calculation errors have begun receiving letters from HM Revenue & Customs (HMRC) to address this oversight.
Continue reading “Could you have been underpaid the State Pension?”
Life is unpredictable. We all acknowledge this truth but often push it to the back of our minds. Discussing unforeseen events is always challenging because it forces us to confront the uncomfortable reality that we can’t predict what’s just around the corner. However, preparing for the unexpected is crucial to maintaining financial stability and achieving long-term goals.
Continue reading “Navigating life’s uncertainties”
Investing comes with its share of risks, which can sometimes lead to partial or total loss of your savings. Assessing your financial situation and establishing safeguards before embarking on an investment journey is essential.
Continue reading “Life insurance”