Updates

What is the pension triple lock, and why is it important?

You may have seen recent headlines about the possibility of the pensions triple lock being scrapped in the near future. Whilst Boris Johnson has committed to honouring it, it’s still important to understand what it means and why it’s important for your retirement plans. What is the pension triple lock? …

Accessing your pension: Annuity vs Flexi-Access Drawdown

In the past, the majority of people saved for retirement over their working life, gave up work on a set date and used their pension savings to purchase an Annuity. However, as retirement lifestyles have changed, so too have the options you’re faced with as you approach the milestone. If …

Your essential guide to ISAs

ISAs are an incredibly important part of many financial plans, whether you’re saving for a short-term goal or investing for a long-term one. In fact, over ten million adults saved into an ISA account in 2017/18. Whilst ISAs have been around for 20 years, the product range and allowance has …

Investment market update: April 2020

Sadly, the market news for April continues to be pessimistic as economies around the world continue to grapple with the impact of Covid-19. The good news is that some of the short-term volatility seen in March has calmed. However, when looking ahead for the next few months and beyond, there’s …

Why you should have a Power of Attorney in place

Millions of Brits haven’t named a Power of Attorney. It may seem like something you can put off for a while, but it’s something we should all have in place. A Power of Attorney is a legal document which gives someone you trust the ability to make decisions on your …

5 things to consider if you’re thinking about changing your investments

When it comes to investing, it’s often best to create a tailored financial plan and leave investments for the long term without tinkering. However, it can be tempting to make adjustments. Whilst this may be the right decision in some cases, it’s important to weigh up if it’s right for …

Dividends and coronavirus: Will your income be affected?

As businesses have been hit by the coronavirus pandemic, some have decided to cut dividends and regulators are adding pressure for others to follow suit. This may leave a hole in your income if you rely on dividends. According to reports from The Times, investors have …

Is now the time to invest?

Global stock markets have suffered due to the impact of the coronavirus pandemic, and you may have heard suggestions that now is the ‘perfect time to buy’. After all, in an ideal world, you want to buy when stock prices are low and sell at a high. However, it’s not …

Should you take a tax-free lump sum from your pension?

Being able to take a tax-free lump sum out of your pension when you reach pension age certainly sounds appealing. It can help you kick-start retirement plans and fully enjoy the milestone, but is it always the right decision to make? Currently, you’re able to take a 25% lump sum …

Could your property boost your retirement fund?

Property is increasingly being seen as an asset that’s vital for funding retirement. It’s no surprise, after all, our homes are often one of the largest assets we have, but what are your options and the drawbacks of doing this? The value of property has grown enormously over the last …
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