How your pension is invested will affect its value and the income it will provide you later in life. If you’ve put off reviewing your pension fund, find out why it could be a worthwhile task. While most pension providers offer savers plenty of fund options to choose from, many leave their money in the […]
Bias can affect the decisions you make, including financial ones. But how are biases formed? Research suggests numerous factors influence biases, including the following six. 1. Evolutionary psychology Some forms of bias go back millennia and allowed early humans to prioritise safety. The ability to make quick decisions could have been the difference between survival […]
While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Read on to find out more about five key considerations. 1. Calculate if you’ll need to supplement your income While you might still earn a salary as you phase into retirement, if you’ve chosen to reduce your working hours […]
Humans are programmed to act in certain ways. We have behavioural biases built into us, created over the history of mankind, to keep us safe in the face of danger. For example, we don’t like losing things. This is because our ancestors would be faced with a very nasty situation if they stumbled across a […]
Pubs have been at the heart of British life for centuries, offering a warm place to have a meal and a drink after a busy day at work. Data reported by Statista reveals that there were 45,000 pubs across the country in 2024. However, among those thousands, only a few can boast histories stretching back […]
You may be diligently saving a nest egg for children or grandchildren. Yet, without financial education, your efforts might not be as useful as you expect. Research suggests many children aren’t receiving sufficient financial education at school, leaving them ill-equipped to manage their finances as adults. Financial education was added to the national curriculum in […]
The arrival of the colder months means preparing for Christmas, thinking about your new year resolutions, and planning to battle illnesses. Whether you’re ill for a few days or you’re diagnosed with a long-term condition, needing to take time off work can have a financial impact. While you can’t predict when you’ll fall ill, there […]
An estate plan sets out how you’d like your assets to be managed and distributed during your life and when you pass away. It often involves thinking about difficult topics, such as what your funeral preferences or who you’d like to receive heirloom possessions. Once you’ve created an estate plan, it can be tempting to […]
What’s the most important factor affecting the performance of your investments? Your mind might jump to the ups and downs of the market, and they do have an effect. When share prices rise, so too will the value of your portfolio. However, the markets aren’t the starting point of a successful investment: your mindset is. […]
Last month, you read about how retirement is changing, with almost half of workers aged over 50 exploring phasing into retirement. There are plenty of reasons why more people are considering a gradual retirement, including the emotional and financial benefits this option could offer. A gradual retirement could help you retain a sense of purpose […]
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