‘You forgot your tax return again…?’

Are you going to meet the 31 January deadline for submitting your self-assessment tax return for the tax year ending 5 April 2019? Or will you spend the time instead thinking of excuses? ‘I forgot.’ ‘I was busy with work.’ ‘It looked complicated so I kept putting it off.’ ‘I didn’t realise I had to do it.’ … Continue reading “‘You forgot your tax return again…?’”

UK steps closer to introducing CDC pension schemes

A new kind of pension could begin to improve retirement outcomes for UK workers, once the latest piece of pensions legislation is passed. Collective Defined Contribution (CDC) schemes would merge some elements of defined benefit schemes with the basic principle of defined contribution schemes, creating a ‘hybrid scheme’ that combines employer affordability with greater security … Continue reading “UK steps closer to introducing CDC pension schemes”

What does 2020 hold for the mortgage market and you?

There is no doubt that the property market has been affected by ongoing economic and political uncertainty. However, despite hesitation from buyers and vendors, resulting in reduced activity in certain areas, recent research indicates that the property market over the next 12 months shows signs of resilience1. Sales volumes are expected to stabilise, whilst prices … Continue reading “What does 2020 hold for the mortgage market and you?”

Get your Finances on track in 2020 with these Healthy Habits

After the excesses of the festive season, many people are looking to get fit and shape up for the New Year. Of course, improving your lifestyle is a worthy goal, but don’t forget that it’s also a perfect time to whip your finances into shape. So, as well as hiring a personal trainer, why not … Continue reading “Get your Finances on track in 2020 with these Healthy Habits”

New Year, New You?

It’s the New Year. We’re all full of plans for what we want to accomplish and making resolutions left, right and centre. It could be hitting the gym, finally getting around to that long-awaited clear-out or… perhaps getting a grip on your finances? DON’T GO IT ALONE A recent study of over 100,000 advised US … Continue reading “New Year, New You?”

Meet the Christmas Spirit of Advice

As Ebenezer Scrooge once observed, the festive season can be expensive. Enjoy good cheer all year round with wisdom from Christmases Past, Present and Yet to Come. Scrooge is probably the most famous of all Charles Dickens’s creations. He’s also, perhaps, the most misunderstood. You probably remember him as just a selfish old miser. What … Continue reading “Meet the Christmas Spirit of Advice”

Old and young both missing out on advice opportunities

More than half of Brits over 65 are yet to take advice on their finances, despite evidence that advice doubles financial confidence. At the same time, younger generations are failing to exploit advice opportunities. The UK’s baby boomers have largely missed out on the benefits of financial advice, and younger generations are at risk of … Continue reading “Old and young both missing out on advice opportunities”

Woodford funds to wind down – what it means for investors

The UK’s most celebrated fund manager, Neil Woodford, has been sacked following a string of poor decisions. His fund’s failure leaves investors and pension fund members with potentially heavy losses – and many questions. The investment funds managed by Neil Woodford are to be wound up, some five months after their trading was suspended. The … Continue reading “Woodford funds to wind down – what it means for investors”

Six bad habits to avoid during retirement

Planning for retirement can be complicated, as anyone approaching the end of their working life will tell you. However, navigating the myriad of choices, both financially and socially, doesn’t have to be such an enigma. Here are a few tips to help you avoid common bad habits that retirees often fall into: 1. Spending your … Continue reading “Six bad habits to avoid during retirement”

Annuities: the trickiest pension decision of all?

As Prudential is fined £24m for its former practice of selling annuities to customers without encouraging them to shop around, there are signs that these retirement products are becoming better value – for those who choose wisely. The financial regulator has penalised Prudential for sales practices that occurred pre-2013, for not offering consumers the choice … Continue reading “Annuities: the trickiest pension decision of all?”