Reviewing Your Needs and Goals

Reviewing Your Needs and Goals

Anything is possible when you manage your money the right way. It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start. Your focus should be on ensuring that the inevitable bumps along your investment…

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diversified portfolio

Diversified Portfolio

A diversified portfolio is an effective tool for reducing risk and volatility without necessarily giving up returns. When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment…

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sipp

Guide to Self-Invested Personal Pensions

We’ve created a guide to self-invested personal pensions (SIPP) to help you take greater control of your retirement plans for the future. It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This…

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Setting Investment Goals

Setting Investment Goals

Setting investment goals can be key to securing your financial future and its vital to create and maintain the right investment strategy to meet them. How much control do you want over your investments? Do you prefer to be in charge, or do you want someone to invest for you? Volatile markets can test your…

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Lasting Powers of Attorney

Lasting Powers of Attorney

It is difficult to comprehend that you would ever lose the ability to manage your own affairs, but mental and physical incapacity can happen to anyone at any time. In England and Wales, a Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions…

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Tax Relief and Pensions

Tax Relief and Pensions

When it comes to managing money, one of the things some people find most difficult to understand is the tax relief they receive on the payments into their pension. Tax relief means some of your money that would have gone to the Government as tax goes into your pension instead. You can put as much…

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different life events

Different Life Events

The future may seem far away, but you need to start planning early. Regardless of your goals, there are things you can do to increase your chances of success! We look objectively at your plans to provide solutions that work as your priorities change over the years and you go through different life events. Many…

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managing risk

Managing Risk

When it comes to managing risk pensioners are ‘in the dark’ over how to protect their pots if markets tumble. Many retirees are at risk of overlooking their pension finances by falling into an avoidable trap, according to new research. A third (36%) of people keeping their pension invested through retirement could be hit harder…

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wealth sharing between generations

Wealth Sharing Between Generations

Millennials are set to redefine wealth sharing between generations, according to new research [1]. Contrary to expectation, it is not millennials (aged 18-34) who appear to be under the greatest financial strain, with 44% saying they are ‘comfortable’ financially. In fact, the research shows they are trying to do the right thing. Three quarters (73%)…

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Income Seekers

Income Seekers

Everybody has investment goals in their life, from the old adage of saving for a rainy day to planning a comfortable retirement. There are many reasons why investors might seek an income stream from their investments, of example, to pay for a dependant’s education, supplement a pension or fund the cost of care, yet achieving…

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Who wants to be a millionaire?

Who Wants To Be A Millionaire

Who wants to be a millionaire? Getting there could be easier than you think – but you’ll need to start young! Parents could make their baby an adult millionaire by starting a pension pot when they are born. Children born this year could become millionaires by their 43rd birthday if their families contribute to a…

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Careful planning can reduce Inheritance Tax

Careful planning can reduce Inheritance Tax

Keeping it in the family; careful planning can reduce or even eliminate the Inheritance Tax payable. Inter-generational planning helps you put financial measures in place to benefit your children later in life, and possibly even your future grandchildren, so it’s important to start planning early. You may want to keep an element of control when…

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