When investing, we all know that capital is at risk. We’ve often talked about understanding your risk profile and the level of risk you should take when investing. But what affects how risky an investment is? Understanding the risk of an investment can help you gauge if it’s the right investment for you and how […]
Do you know when you can access your pension? Research has found that the number of people trying to access their pension early is on the rise, and it’s a misconception that scammers are taking advantage of. Accessing Defined Contribution pensions It’s important that you understand when and how your pension can be accessed. It […]
When you think about your lifestyle goals and financial plan, how far ahead do you look? It wasn’t so long ago that planning to reach 80 meant you could be sure of financial security throughout your life. But now, it’s becoming increasingly common to celebrate your 100th birthday, bringing new challenges to planning. Just a […]
Are you planning to give children and grandchildren a helping hand to get on the property ladder this year? If so, you’re not alone. As younger generations are struggling to purchase their first home, thousands of parents and grandparents are putting their hand into their pocket. But what does it mean for your long-term financial […]
As we enter a new decade, you may be looking back on the last ten years. Hopefully, you’ve reached a few goals and taken steps towards them. But, if you have a look at how your savings accounts have performed throughout the 2010s, you could be a little disappointed. Since the 2008 financial crisis, interest […]
While it can be tempting to save and manage money by taking a DIY approach to finances, it could end up costing you money. Research suggests that eight in ten people overestimate their own financial capability and could be making decisions that aren’t right for them as a result. Failing to seek financial advice when […]
If you’re claiming the State Pension, the good news is that it’ll increase in the new tax year. It could mean you have a bit extra money to spend on luxuries or that you can reduce how much you’re withdrawing from your Personal Pension. Even if you have other retirement provisions, your State Pension is […]
Thousands of investors have been sucked into putting their money into unsuitable mini-bond products following extensive advertising, particularly on social media. The Financial Conduct Authority (FCA) has now clamped down on the marketing of such products following a scandal. But many are likely to lose their money. What is a mini-bond? A mini-bond is effectively […]
Sleep. It’s something we all do and it has a huge effect on our daily life. We’ve all had a bad night’s sleep and woken up feeling unmotivated for what’s ahead. But how does sleep benefit you? We spend around a third of our lives asleep; it’s an essential part of our routine. We’ve all […]
Research has highlighted how being cautious with pension investment can be as damaging as taking too much risk. In some cases, a cautious approach is appropriate. But, in others, it’ll be the result of subconscious financial bias affecting the decisions we make. Research from Cass Business School found women are more risk-averse than men. It’s […]
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