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Retirement Choices

How much time do you spend planning for retirement? The 2015 pension freedoms gave us greater flexibility over our retirement options, but the reforms have also made retirement choices much more complex. This means we need to start thinking about our retirement earlier. However, half (50%) of respondents aged 45–54 to a LV= consumer survey[1] […]

2016/17 YEAR END TAX PLANNING

Taking advantage of planning opportunities means getting tax-savvy now It is important for you to arrange your taxes, investments and wider financial affairs to reduce current and future tax liabilities. Please keep in mind that everyone’s tax situation is different. Before implementing any of the strategies Mentioned here, you should obtain professional advice. Effective tax planning is about […]

Eggs in a basket

Don’t put all of your eggs in one basket

Holding a blend of assets to help you navigate the volatility of markets One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’. In the most general sense, it can […]

Appetite for risk

Appetite for risk

While diversification is important, you should keep in mind how much risk you are prepared to accept on your money. If it is important to you to avoid losses, you may want a portfolio that has less in shares and more in cash and fixed interest securities held to maturity, for example. Know your risk […]

YOLO generation

Splashing the cash

The prospect of saving for tomorrow may feel too distant for some, but to achieve long-term goals (including financial security in retirement) we all need to consider reprioritising our needs to give ourselves a better financial future. But, more than four in ten Britons in their 30s and 40s (45%) are stopping any future saving […]

family of four

Tax-efficient investments

Options to minimise how much tax you pay By understanding which investments are the most tax-efficient, you can make the most of your options to minimise how much tax you pay. As well as deciding what to invest in, you need to think about how you’re going to hold your investments. Choosing tax-efficient investments will […]

Is cash really king?

Is cash really king?

Retirees exploit new pension freedoms Since 6 April this year, anyone aged 55 or over could – in theory – empty their money purchase pension funds entirely, although any withdrawals will be treated as income and taxed as such. Nine in ten people (90%) going in to drawdown have taken advantage of the new pension […]