Pension myths exposed
Distinguishing fact from fiction to fully utilise opportunities and secure your future Investing in a pension is a dependable and effective way to ensure a comfortable retirement. However, ongoing misconceptions often prevent people from fully enjoying the benefits that pensions can offer. These myths may cause missed opportunities, particularly regarding valuable tax relief and government […]
Show me the money
£103 billion withdrawn flexibly from pension pots since 2015 Seven in 10 people who withdrew funds from their pensions over the last decade were under 65, according to recent findings from the Department for Work and Pensions (DWP). The data highlights concerns about accessing their retirement pots before reaching the state pension age.
Why remaining invested supports long-term growth
Unlocking the potential of your investments and securing your financial future When it comes to growing your finances, few decisions are as crucial to long-term success as remaining invested. The temptation to move to cash during volatile periods can be strong, but financial history and market principles often favour those who keep their positions. Staying […]
Managing a property chain
How to maintain momentum that can delay or disrupt the whole process Selling a home isn’t always an isolated event. Usually, it is part of a longer chain, a series of buyers and sellers all relying on each other for the process to complete. While chains are common in the UK housing market, they can […]
Planning a wealthy retirement
Secure your future with smart financial choices Whether you’re employed, a partner, or self-employed, you can contribute to a pension. Employers are legally required to provide workers with access to a pension scheme, while anyone self-employed or unemployed, who cannot invest in an occupational plan, can pay into a personal pension, such as a SIPP […]
Taxing times for landlords
Explore what landlords need to know to stay informed and profitable Tax planning might not be the most exciting part of property investment, but for landlords, it is one of the most essential. With tighter margins, rising costs, and regulatory changes shaping the market, landlords can no longer afford to ignore how taxation impacts their […]
Preparing for retirement: What you need to know
How to navigate your transition to life after work The age at which you decide it’s time to take life easy is a very personal choice. When your retirement day arrives, you can toss away your alarm clock, bid farewell to your commute, and discard those restrictive business suits.
Love nest over love fest
Why couples are trading weddings for dream homes As marriage rates decline, homeownership becomes the top relationship goal for many British couples. For many, marriage is no longer the ultimate aim in relationships. Instead, the desire to own a home has risen to the forefront of their financial priorities.
Are annuities included in your retirement income plans?
Ensuring financial stability in your golden years An annuity converts pension savings into a regular income, providing financial stability in retirement. Annuities deliver guaranteed income, ensuring that retirees do not outlive their savings. Unlike drawdown pensions, which depend on market performance, annuities offer peace of mind through predictable payments.
Shared ownership: what to watch out for
Unpacking the pros, pitfalls and legal considerations before you buy a share in a home Shared ownership has made homeownership accessible to thousands who might otherwise struggle to afford it. With lower deposit requirements and easier monthly payments, it is an ideal way to climb onto the property ladder, especially in high-cost areas where traditional […]