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Understanding investment risk

Making informed decisions to improve your chances of achieving your financial goals If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Risk is the possibility…

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Investment objectives – a lifelong process

Protecting your wealth from market ups and downs A lifestyle financial plan has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term,…

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Establishing your Financial goals

Gathering information and developing your strategy Evaluating your goals in greater depth is essential if you want to get a picture of your responsibilities and aspirations. With a full understanding of your circumstances and priorities, we’ll provide you with advice that is custom-tailored to suit your specific lifestyle goals, and together you can develop a strategy based on your personal circumstances….

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Unwritten goals are just wishes…

Making wise financial decisions and rewarding for your efforts If you do not know where you are going, how will you know when you get there? This is very true about financial goals. You need to set financial goals to help you make wise financial decisions, and also as a reward for your efforts. Goals should be clear, concise, detailed and…

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Creating a Financial Roadmap

Planning for success can be complicated in today’s world No two people have identical financial circumstances, which is why it’s essential you have a custom financial planning solution that meets your individual needs and goals. Planning for financial success can be complicated in today’s world. A broad knowledge of everything from complex retirement and investment products to risk management strategies and…

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Reviewing your goals and needs

Take the time to think about what you really want from your investments You need to consider what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start. 1. Consider your reasons for investing It’s important to know why you’re investing. The first step is to consider your financial situation and your…

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Pensions in divorce

Preparing for an independent future should a relationship break down When disputes arise within families, emotions run high and rash decisions are made. This is why divorce is an arena fraught with acrimony. But seven in TEN couples don’t consider pensions during divorce proceedings, leaving some women short-changed by £5 billion[1] every year. Research shows that more than half of married…

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‘Miss’ List

With retirement in your sights, what do you think you’ll miss? Spending time with family, easily having a shower or bath and driving a car are the top day-to-day moments that most people would miss if they could no longer do them. However, seven in ten (69%) people – over 36 million[1] people – fail to associate good health with being…

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Frugal habits!

How our spending might change in retirement Living longer is a good thing, right? Most people would probably agree with that. Living longer means more time to enjoy all the world has to offer and more time to spend with cherished family and friends – and everyone wants at some point to stop working and enjoy their retirement. It’s no secret…

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Retirement roulette

Millions of older workers pin hopes on downsizing, inheritance or lottery win Older workers are finding themselves caught in a position of retirement roulette, as many are relying on external factors such as a downsizing, an inheritance or even a lottery win to be able to afford a comfortable retirement, according to Aviva’s latest Real Retirement Report. A quarter (25%) of…

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