Retirement matters


Staying invested and giving your money the greatest chance to grow

Perhaps the most common investment advice is to stay invested. But with markets being so volatile, the ease of sticking to that advice has been sorely tested in 2020. Even though we’ve seen global markets bounce sharply from their March lows, understandably there will still be those investing for retirement who remain worried and wonder what the best approach is for the remainder of the year and beyond. Continue reading…


Risk of retirement longevity


Maximising investment returns over a longer life expectancy

There are lots of variables in retirement. How long people will live for, the costs of goods and services they will need, interest rates available on their accumulated savings, and so on. But once you have retired, investing is anything but straightforward. Continue reading…


Thinking ahead


How our retirement plans may change in response to the coronavirus pandemic

The coronavirus (COVID-19) pandemic has touched virtually every part of our lives and is having a widespread impact across all aspects of financial life, including retirement plans. Continue reading…


Moving closer to retirement


Delay taking your pension if you can

For those people moving closer to retirement who may have been impacted by the recent market volatility, an option to consider is deferring your private pension. If you’re in a defined contribution scheme, delaying when you claim means that you leave your pension pot invested for longer, so you could secure a bigger pension pot when you do eventually come to retire. Continue reading…


COVID-19 effects on retirement planning


Remember that pension savings are for the long term

The coronavirus (COVID-19) is having a widespread impact across all aspects of financial life, including retirement plans. The current global stock market turbulence, as a consequence of COVID-19, will no doubt be concerning for individuals whose pension savings are invested partly or fully during these volatile market conditions. Continue reading…


Future retirement security

More younger women opting out of pensions

Young women are putting their future retirement security at risk by opting out of their workplace pension[1]. Continue reading…


Retirement savings longevity

Are you facing a pensions challenge?

We all want to ensure we have sufficient funds when we retire so we can spend our time the way that we want to. But how realistic are your current retirement plans? Continue reading…


Retirement options

£19m released each day since pension freedoms launch

In his 2015 Spring Budget, then-chancellor George Osborne introduced sweeping changes to the way that pensions are taxed. The new pension freedom rules have led to the over-55s being faced with a variety of different choices when taking and investing their nest eggs. Continue reading…


Divorcees risk losing out on pensions

Dividing this asset is of vital importance to avoid pension poverty

Divorce is an emotional and stressful period for those who have to go through it. However, it’s important that people think of these valuable assets when considering how they split their money. Continue reading…


Time to give your pension pot a boost?


Planning ahead for the financial future you want

Planning for retirement can be both exciting and daunting. It’s essential to structure your affairs to make sure you have enough money when you eventually retire. To give your pension pot a boost, one option to consider if your pension savings are more than your annual allowance is to take advantage of the carry forward rules for unused annual allowances from previous years and still receive tax relief. Continue reading…