Tax-efficient investments

tax

Options to minimise how much tax you pay

By understanding which investments are the most tax-efficient, you can make the most of your options to minimise how much tax you pay. As well as deciding what to invest in, you need to think about how you’re going to hold your investments. Choosing tax-efficient investments will often mean you’re able to keep a higher proportion of any returns you make. Continue reading…


Investing for success

investingfor

Achieving your goals by weighing the potential risks alongside the prospective returns

Successful investing involves making choices that meet your unique needs today and your financial goals for the future. A well-defined investment strategy is one of the cornerstones of a successful financial life. Investing is about building wealth slowly rather than getting rich overnight. Continue reading…


Let’s make it a date

letsmake

Key financial dates to put in your diary this year

The remainder of 2016 is certainly going to be a busy one, with April seeing a raft of changes announced previously – affecting pensions and savings – coming into effect. Continue reading…


Navigating uncharted waters

navigating

The impact of further pension changes on the horizon from this April

Pensions have been transformed by the arrival of freedom reforms on 6 April 2015 which now give much greater flexibility over what you can do with your pension pot. The new freedoms mean you can enjoy far greater choice on how you spend and generate an income from your pensions, but with further changes on the horizon these are some of the key points you need to know. Continue reading…


Financial resilience

financialresil

Providing a valuable safety net for you or your family should you become ill or die

If you became sick or injured, how would you meet your monthly financial commitments or even your medical bills as you recover? Protection insurance can be a valuable safety net for you or your family should you become ill or die. More than one in five (23%) Britons with savings say their savings wouldn’t last longer than a couple of months if they were unable to work, yet less than one in twenty protects their income. Continue reading…


Income matters

incomematters

Facing retirement with an annual income shortfall of £12,600!

The UK’s mass affluent investors[1] face an average annual income shortfall of £12,610 in retirement. This jumps to a staggering £28,000 shortfall among the mass affluent millennial population, according to the BlackRock Investor Pulse survey. Continue reading…