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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. figures released as part of LV=’s tenth annual State of Retirement report[1] indicate that, far from winding down, retirees are making the most of their time, with signs that…

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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. Cancer treatment can cause many to have to work reduced hours or…

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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. An ISA is a tax-efficient investment wrapper in which you can hold a range of investments,…

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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. A survey by the Association of Investment Companies[1] of the sandwich generation aged…

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Principles for Long Term Investing – JP Morgan

In light of the recent volatility in global equity markets, at a time in which positive global economic data is becoming increasingly evident, please find a link below to a few slides that may help to better understand volatility (point 4) as well as the concept/positive impact  of ‘Time-In’ the market as opposed to ‘Time-Ing’ the markets (point 5) – i.e. taking…

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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. Just over a third of 60 to 65-year-olds who took part in a questionnaire by the JLT Employee Benefits research do not know the size of…

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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. Getting your affairs in order and planning what you want to pass on…

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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. Your retirement is likely to be the most important time in your life you’ll even plan for – you could be retired for 20 years or more.   Thinking about pensions sooner rather than later can mean the difference between…

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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…

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Retirement delays

Access to health and well-being support in the workplace There is now a clear trend of people working for longer and delaying their retirement. Although some are staying in work out of financial necessity, others want to keep working because they value the mental and social stimulation their job brings. One of the primary concerns people have about working beyond their…

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