Investing for the future

Higher inflation and near-zero interest rates mean the responsible thing to do could be to invest rather than to save

Many of us have been brought up to believe that saving is the responsible thing to do. But in today’s environment of low interest rates and rising inflation, savers may need to consider becoming investors to prevent the erosion of their assets. Continue reading…


Planning the future you want

Pension freedoms bring optimism and adventure to retirement

Will I ever slow down? Do I have the right plans in place? Retirement is a chance to do more of what you enjoy, and figures released as part of LV=’s tenth annual State of Retirement report indicate that far from winding down, retirees are making the most of their time, with signs that pension freedoms have made people even more likely to feel this way. Half (49%) of retirees now say they view their post-work years as an exciting phase of life, with many using their free time to learn, see and experience new things. Continue reading…


Pensions in divorce

Preparing for an independent future should a relationship break down

When disputes arise within families, emotions run high and rash decisions are made. This is why divorce is an arena fraught with acrimony. But seven in ten couples don’t consider pensions during divorce proceedings, leaving some women short-changed by £5 billion[1] every year. Research shows that more than half of married people (56%) would fight for a fair share of any jointly owned property, and 36% would want to split their combined savings. Continue reading…


Do you have a financial back-up plan this year?

Be prepared if life throws something unexpected your way

Unforeseen life events and circumstances can potentially impact your finances in a number of ways. Hundreds of thousands of people are diagnosed with cancer each year in the UK, and it is becoming more common among those of working age. Continue reading…


Making solid financial resolutions

Making solid financial resolutions
Grow your money, and live the life you want

The New Year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement savings or setting enough money aside for a down payment on a house. Continue reading…


Sandwich generation

Sandwich generation
Not having enough money for retirement is the biggest concern

Average life expectancy has generally been increasing, and for the ‘sandwich’ generation, saving for their retirement is clearly a big concern – and with plans to contribute financially to support their children and parents, it’s perhaps no wonder. Continue reading…


ISA returns of the year

ISA returns of the year
Taking control over where your money is invested tax-efficiently

A new tax year is nearly upon us – and that means, for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance. Continue reading…


Sleepwalking into retirement

Sleepwalking into retirement
Lack of pension knowledge among UK adults

The UK’s middle-aged workers could be sleepwalking into retirement poverty. Four in ten people aged between 40 and 65 cannot accurately estimate their total pension savings for retirement. Continue reading…


Will you make provision for all that you hold dear?

Will you make provisions for all that you hold dear
Getting your affairs in order and planning what you want to pass on to loved ones

Writing a Will may seem daunting – and with everything else we should be thinking about, it becomes just another chore on the to-do list. It’s especially important for cohabitating couples to have a Will, as the surviving partner does not automatically inherit any estate or possessions left behind. Continue reading…


Reach your financial goals

Reach your financial goals
Helping you realise your retirement vision

We’ve now entered a new age of retirement planning with the introduction of pension freedoms. But Britain has an ageing population, highlighted by the fact that the number of telegrams sent by the British Monarch to 100-year-olds has risen from 24 in 1917 to nearly 7,000 today. Continue reading…