Monthly Archives: July 2023

Price of adulthood

Financial responsibilities increase significantly after 25

Paying essentials like utilities and council tax becomes a reality as young adults transition from student life to the workforce. The reality of financial responsibilities often accompanies the excitement of newfound independence during one’s mid-twenties.

Normal Minimum Pension Age update

Essential information for your retirement planning

A significant change is on the horizon that may affect when you can access your pension money. We’ll guide you through this change and its potential implications, so you can confidently prepare for retirement.

Are we entering an investment bond renaissance?

Exploring why they are an attractive option to mass-affluent investors

Onshore investment bonds typically carry a lower risk and contribute significantly to a well-rounded portfolio. Historically, numerous investors have opted for a 60% equities and 40% bonds split in their portfolios, as these two assets often (keep in mind, not always) exhibit contrasting performances under varying economic circumstances – a beneficial attribute during market volatility.

Maximising your investments in your 50s

Time to evaluate whether you need to modify your objectives or saving strategies?

As you enter your 50s, retirement is no longer a distant dream but a rapidly approaching reality. Ensuring that your investments work diligently to secure the lifestyle you envision for your golden years is crucial. By optimising your financial strategy now, you can confidently retire according to your personal goals and aspirations.

Responsible asset selection

Supporting responsible practices and contributing to a sustainable future

Environmental, Social, and Governance (ESG) investing is a strategy that focuses on companies that prioritise environmental, social, and governance factors in their operations. Investing in these businesses aims to support responsible practices and contribute to a sustainable future.

Getting retirement ready

Key steps to achieving a comfortable retirement

A comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there’s much to consider. Let us assist you in navigating this crucial life milestone.

Building a diversified portfolio

What is it, and why is it important?

Trusting that your investments are progressing toward your objectives is vital, allowing you to concentrate on the things you value most in life. This is why building a diversified portfolio is crucial to any successful investment strategy.

How to invest after retirement

Ensure your wealth is preserved for future generations

As you enter your golden years, the excitement of finally retiring may be tinged with some uncertainty. With the working days behind you, it’s natural to wonder if you’ve amassed sufficient resources and how best to utilise them.

Protecting your children and securing their future

Our health, an invaluable asset, is often overlooked or taken for granted

As a parent, ensuring the well-being of your children is a top priority. From having open conversations with your partner to creating a Will, there are straightforward measures you can implement to provide them with the protection they deserve.

Lump sum vs regular contributions!

Choosing the right pension payment strategy

When planning for your future, consider increasing your pension savings. But should you do this through a lump sum or by raising your regular contributions? In this article, we look at each option.