What lies ahead for investors?

Just over ten years since the start of the global financial crisis, and the global economy is now in recovery mode. Investors were hit hard, with UK and global equities falling by 46% and 38% respectively in the aftermath. Aggressive policy stimulus implemented by central banks and governments was instrumental in reducing the depth and … Continue reading “What lies ahead for investors?”

Are you a mortgage prisoner?

The government pledged to tackle the issue of ‘mortgage prisoners’ – people who are trapped in an expensive mortgage because of regulations that stop them getting a cheaper one. Imagine asking to buy a meal costing £6, and being told you couldn’t afford it – then being forced to buy a meal you don’t like, … Continue reading “Are you a mortgage prisoner?”

‘EU pension’ promises saving on the move

Europeans have a pension problem – just 27 per cent of those under 59 have any pension savings at all. But plans are afoot for a pan-European personal pension (PEPP) – designed for those whose work takes them through multiple EU countries. If you’re employed and living in the UK, you probably have personal or … Continue reading “‘EU pension’ promises saving on the move”

Reap the reward of financial advice

Those people who took financial advice between 2001 and 2007 had accumulated significantly more in liquid financial assets and pension wealth by 2012–14 than their peers who chose not to take professional advice, according to a report by the UK think-tank, the International Longevity Centre, produced in conjunction with insurers Royal London. The report demonstrated … Continue reading “Reap the reward of financial advice”

Can you downsize to fund your retirement?

For most people lucky enough to own one, their biggest financial asset is their house.  And it may have been your long-term plan to sell up in retirement and live off the proceeds.  But when it comes to the crunch, could you do it?  Our ‘Look before you leap’ checklist below will help you get … Continue reading “Can you downsize to fund your retirement?”

Raise your pension awareness today!

In a year which has gripped the nation with political uncertainty surrounding Brexit, the dominating headlines around defined benefit pension schemes and a General Election, this year’s Pension Awareness Day hopes to bring some clarity for those in the midst of saving for their future financial security. Most of us are aware that our future … Continue reading “Raise your pension awareness today!”

Parents are worried sick about falling ill

Recent research1 by Aviva shows that nearly half of parents with dependent children are concerned about what would happen to their finances if they or a member of their family developed a serious illness and was unable to work, believing they could not support their lifestyle for even a month.  However, they are still more … Continue reading “Parents are worried sick about falling ill”

Five dos and don’ts if you’re buying to let

Are you planning to buy to let? Or perhaps you’re a landlord already. Whether you’re a first-timer or hope to expand your property portfolio, take some tips for success! Buy-to-let property investment has soared in popularity, thanks to the combination of a raft of perks and poor returns from traditional investments. Now that pension freedom … Continue reading “Five dos and don’ts if you’re buying to let”

Are you in danger of making a pension mistake?

A review of the retirement market by the UK regulator has raised concerns a growing number of people could be making poor decisions regarding their personal pensions. In 2015 a raft of changes were made to money purchase pension rules. Many people were no longer compelled to buy an annuity, a product offering a guaranteed … Continue reading “Are you in danger of making a pension mistake?”