Thousands of pension savers could be impacted by unless they act swiftly If you are making high levels of pension contributions you will need to obtain professional financial advice to make sure that you know whether you will be affected by the impending new lifetime allowance (LTA) limit changes. Thousands of pension savers could be […]

How to improve your golden years no matter what your current stage of life Retirement may seem a long way off for you at the moment but that doesn’t mean you should forget about it. Consider our tips, which could help you increase your retirement income – no matter what your current stage of life […]

TAKING MORE CONTROL OVER YOUR PENSION FUND INVESTMENT DECISIONS If appropriate to your particular situation, a Self-Invested Personal Pension (SIPP) could be another option to consider if you require the flexibility to choose where your pension money is invested. SIPPs are now also open to people of lower incomes – not just those with commercial […]

MONEY IS USED TO PAY YOU AN INCOME FOR THE REST OF YOUR LIFE A workplace pension is a way of saving for your retirement that’s arranged by your employer. Some workplace pensions are called ‘occupational’, ‘works’, ‘company’ or ‘work-based’ pensions.

WHEN YOU’RE NOT READY TO CONVERT YOUR PENSION FUND INTO RETIREMENT INCOME If you decide that you’re not ready to convert your pension fund into retirement income by buying a lifetime annuity, but you do need funds, you have a few options. These are often known as ‘income drawdown options’.

HAVE YOU GIVEN FULL CONSIDERATION TO YOUR LONG-TERM PENSION INVESTMENT STRATEGY? Retirement planning involves thinking about your plans for the future now – that means investing your money with the aim of maximising its value ready for when you retire.  Careful financial planning, the right mix of assets and starting sooner rather than later could […]

As wealth grows, so too can the complexity of its management. Our approach is to cut through complexity and offer you clear guidance to achieve your goals. Today’s challenging economic and global conditions, coupled with uncertainty in Europe, North America and China, have combined to create a degree of cautiousness among many investors. A long-term […]

One of the principal tenets of spreading risk in your portfolio is to diversify your investments whatever the time of year. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’.

Investment trusts are based upon fixed amounts of capital divided into shares. This makes them closed ended, unlike the open-ended structure of unit trusts. They can be one of the easiest and most cost-effective ways to invest in the stock market. Once the capital has been divided into shares, you can purchase the shares. When […]

An Individual Savings Account (ISA) is a tax-efficient ‘wrapper’ designed to go around an investment. You’ve got until 5 April 2014 to use your current 2013/14 tax year annual ISA allowance before you lose it forever.