It’s near impossible to escape news of the property market and the struggle aspiring homeowners face. With multiple challenges to taking the first step on the property ladder, the number of young homeowners is declining. According to the annual English Housing Survey, 64% of the population owned their own home in 2017/18. While a slight […]
If your income were to suddenly stop, how long would you be able to continue your current lifestyle for? If you made cutbacks, how long would your savings last for? It’s not something anyone wants to think about, but the truth is, people lose their income every day. Understanding how you’ll get by should something […]
If you’re in a position to support loved ones financially, it can be difficult to know what to do. How should you go about passing on your wealth, helping to improve their financial security? There is more than one option for you to consider, as well as the impact it could have on your own […]
From a young age, we’re told to save for a rainy day. Hopefully, it’s a message that’s instilled some good money habits into adulthood, setting you on the right path for future goals, be it retiring early, buying a property or travelling. But, while we’re told to save, rarely do we talk about the importance […]
When you’re planning your financial future, you’ve probably considered how much you need and how much you can afford to put away. But when you’re planning your retirement, have you factored in longevity? At a time when retirees can access their retirement savings far more flexibly and in a way that suits them, longevity risk […]
Since Pension Freedoms were introduced in 2015, more of us are choosing to access our pensions flexibly when we reach retirement. With greater choice, the number of retirees opting to purchase an Annuity is falling, but is it still a route you should consider? While an Annuity provides you with a guaranteed income throughout retirement, […]
Every day we make financial decisions, but you’ve probably spent little time thinking about the thought process that goes on behind each one you make. After all, we’ve evolved to make our decision-making processes quicker and easier. While you may quickly decide whether a purchase is good value for money or to deposit savings into […]
During your working years, you may have actively planned for the unexpected. Perhaps you set aside some of your income each month to cover emergencies or took out a protection product to act as a safety net. However, some find as they enter retirement these good habits fall to the wayside, but it’s still important […]
One of the key decisions you need to make when investing is how much investment risk you want to take. Weighing up the level of risk you’re willing to be exposed to can be challenging. It’s often one that’s ruled by emotions and your personal attitude to risk. While these factors should play a role, […]
Pensioners are increasingly taking advantage of the Pension Freedoms introduced in 2015. While the move offered far more flexibility in how you take an income in retirement, it also means there’s more responsibility on your shoulders too. For retirees that have chosen to leave some or all of their pension invested, protecting its value and […]
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