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You have one life, so invest wisely

Identifying multiple risk profiles for multiple goals Throughout our lives, we will have many different lifestyle and financial goals that we would like to achieve. Although we all have different goals, there are some key goals that we’ll have in common, especially when it comes to retirement. What do you want from your investments? Supplementing your income? Building your retirement pot?…

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Festive Gifts

Building wealth for a solid financial future As a parent, guardian or grandparent, you’ll want to provide the best future for your children or grandchildren that you can. Christmas is an excellent time to encourage children to start thinking about the value of money. Many children have hundreds of pounds spent on them at Christmas. But could that money be put…

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Avoid the March rush…

Get a head start on your tax planning resolutions Although the current tax year does not end until 5 April 2019, tax planning shouldn’t be a mad March rush. Now is the perfect time get a head start on your tax planning resolutions to enhance your own, your family’s or your company’s tax-efficient plans for the future. We have set out…

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Seeking a higher retirement income

Retirement needn’t be an all-or-nothing decision The onwards march of ‘pretirement’ – where people scale back on work or slow their retirement plans down rather than giving up entirely – is continuing, with half (50%) of those retiring this year considering working past State Pension age.   This is the sixth consecutive year[1] in which half of people retiring would be…

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Money talks

Valuable employer contributions encourage people to stay More people in the UK are saving towards retirement than ever before, according to data from the Office for National Statistics (ONS), with numbers boosted thanks to the Government’s auto-enrolment scheme. Under auto-enrolment, employees are automatically signed up to a workplace pension into which both they and their employers must contribute. Workers can opt…

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UK Budget 2018 roundup

Setting the scene: The 2018 economic growth forecast was upgraded from 1.3% to 1.6% and public borrowing this year is expected to be £11.6bn lower than forecast in March. Key points are: Income tax The personal allowance and higher rate threshold will increase earlier than expected to £12,500 and £50,000 respectively from April 2019. The income tax rates and bands for…

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‘Multi-jobbers’

Falling foul of the minimum earnings threshold The rules around pensions are continuously changing. To make the most of your retirement, it’s essential to receive regular professional financial advice on how to build up and invest your pension effectively.   As the success of auto-enrolment continues, two in five UK workers (39%) aged 22-29 years old[1] are now saving adequately for…

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Pensions shake up

Getting away from the stresses of everyday life For many, the idea of retirement means getting away from the stresses of everyday life. But with living costs rising and interest rates low, people need to think about how to generate extra income from their savings in retirement. Pensions offer a number of important advantages that will make your savings grow more…

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Riding the Turbulent Seas of Fortune

OMW_sk14084-investing-through-volatile-times Please find a link to a short document, provided by Old Mutual Wealth, that helps you to better understand their 7 principles of investing, which we strongly support. Namely: Have an investment plan and stick to it Start investing as soon as possible Don’t just invest in Cash Diversify and always consider your investments as a whole Invest for the Long-Term…

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Getting finances in order

Financial worries don’t just affect our waking hours Financial fears are creeping into sleeping hours, as new research shows money worries are a top cause of nightmares[1]. Our dreams are how we naturally make sense of all the information and experiences that we unconsciously absorb every day. They are not just some random occurrence but actually a deliberate process, enabling us…

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