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Saving for retirement
A decade-by-decade guide
Planning for retirement is essential to ensure you have the financial security to enjoy your golden years. As retirement can be a long way off, it’s essential to start saving for retirement as early as possible.
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Bonds vs equities
Where should income-seekers turn?
UK income-seekers often face the dilemma of choosing between bonds and equities for their investments. Both asset classes have their unique advantages and risks.
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Should I delay my retirement?
Delaying retirement could boost your chances of a secure financial future
With the persistently high inflation rate, it’s crucial for individuals nearing retirement to evaluate the impact of escalating living expenses. Adjusting or postponing retirement plans may provide enhanced financial stability in their golden years.
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Investing mistakes to avoid
Errors can have long-lasting consequences, setting you back financially
As individuals, we all have diverse visions for our future – some may be considering the forthcoming five years, while others may be focused on the next two decades. Regardless of your aspirations, ensuring that your investments are well-positioned and diligently contribute toward achieving your desired outcome is crucial. Ultimately, making the most suitable choice for you and your objectives matters most.
A closer look at a financial understanding among Britons
A recent study has revealed that over half of the British population may not fully comprehend the hidden impact of inflation on their savings and buying power[1]. The research explored participants’ understanding of basic financial principles, including inflation, compound interest, risk and return, and the significance of life stages in financial planning.
Is your asset allocation aligned with your risk tolerance?
Your retirement portfolio serves as crucial financial support for an enjoyable retirement. Retirees with substantial portfolios may enjoy living off returns without touching the principal. However, those with smaller portfolios will likely need to access their funds eventually.
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Tax relief matters
How to build a bigger pension pot
If you’re under 75 and have relevant UK earnings, you can benefit from tax relief when contributing to a personal pension like a Self-Invested Personal Pension Plan (SIPP) or workplace pension scheme within the annual allowance.
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Life is unpredictable
Helping you stay on track to achieve your financial objectives
Discussing the unforeseen is always a challenging conversation. We can’t predict what’s just around the corner. The financial consequences can be overwhelming when life presents unexpected or unfavourable events.
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