Pension funds and the path to net zero
Survey pinpoints several barriers threatening pension funds’ progress Sixty-five per cent of pension funds recently surveyed by the Pensions and Lifetime Savings Association (PLSA) have established a commitment to achieving net zero carbon emissions. Progress appears on the horizon for the third of funds without a current commitment, as one in five (22%) anticipate adopting […]
Planning for your dream retirement
Whether that’s adventure, relaxation or simply a slower pace of life Many of us eagerly await the day we can step away from work for good, envisioning a time filled with freedom and the opportunity to focus on what truly brings us joy. The dream of retirement offers a deeply personal vision – whether that’s […]
Investing isn’t a one-size-fits-all approach
Why timing the market could be holding you back Are you considering delaying your next investment until the market drops? It’s a common notion, particularly among new or even experienced investors. The strategy of ‘timing the market’ – buying stocks when their value is low and selling them when high – may sound like the […]
Practical financial planning for busy mums
The road to robust financial health, even when you’re juggling the demands of family life Motherhood comes with countless responsibilities, so it’s no surprise that long-term financial planning often gets pushed to the bottom of the list. Managing your finances is essential for everyone, but as a mum, there are unique challenges that might mean […]
How to boost your chances of early retirement
Maintaining a strong commitment to your long-term goals Early retirement is an ambitious but attainable goal, provided you adopt the right and disciplined approach to your finances. At the heart of this lies establishing a tax-efficient savings plan designed to maximise both your contributions and the growth of your investments over time.
Pensioners set for income boost, but watch out for the tax trap
Could you lose out on tax-free allowances for other income? Many pensioners will enjoy another uplift in their State Pension income next financial year. From 6 April 2025, the State Pension is due to rise by 4.1%, on the back of an 8.5% increase in April 2023. This growth adheres to the government’s ‘triple lock’ […]
Financial planning in your 70s
Striking the balance between living comfortably and preparing for unpredictable eventualities Entering your 70s is a significant milestone, a time to fully enjoy the fruits of your hard work and careful financial planning. However, even if you’ve retired or reduced your workload, financial planning remains just as essential as it was in earlier stages of […]
From crisis to resilience
Building a solid financial plan The financial crisis of over a decade ago shaped global markets. They faltered and stumbled but then bounced back with surprising speed. This resilience was bolstered by factors such as artificially low interest rates and buoyant market sentiment. However, the world today faces an altogether different type of economic challenge.
Understanding state pension rights and inheritance
The topic goes beyond the basics—there are numerous layers to uncover For many, the intricacies of the State Pension remain very confusing, particularly regarding what happens after someone passes away. While many know that the State Pension does not automatically cease when someone dies, understanding your rights or the rights of a widowed spouse or […]
How to plan for your special wedding day
Alleviate financial stress and ensure you start of married life financially secure Weddings celebrate love, commitment and the union of two lives, shared with family and friends. However, making this day memorable often comes at a significant financial cost. According to data, the average wedding in the UK costs £20,700 [1].
