The world, particularly here in the UK, feels like a very messy place at the moment, which is predictably having a short-term impact on investor sentiment towards shares and investing in general.
At times like these, many investors (led more …
Category: Journal
What should you know about your pension?
How much do you know about your pension? Do you believe that you’re responsible for your retirement plans?
In the UK, around a quarter of individuals feel that their employer, the state or a pension provider is more responsible for …
How does cashflow modelling help you?
Financial planning can be filled with jargon and it can be difficult to understand exactly how the processes help you and the value it adds to your plans. One of the valuable tools we use is cashflow modelling. It’s a …
Getting to grips with the Nil Rate Band for Inheritance Tax
Inheritance Tax (IHT) is one of the most controversial taxes and it’s one that can lead to much confusion. If you’re planning how you’ll pass your wealth on to loved ones, IHT can be difficult to get your head around. …
Seven signs that your investment portfolio could benefit from a review
When was the last time you reviewed your investment portfolio? It’s a task that can seem daunting and a one that’s easily forgotten about as life gets in the way. But it’s an important step to take to ensure your …
The ins and outs of Flexi-Access Drawdown
Since the introduction of Pension Freedoms, more retirees are choosing to leave their retirement savings invested. But before you decide how to take your pension, understanding the ins and outs of using Flexi-Access Drawdown is important.
First up, what exactly …
Seven New Year resolutions to improve financial security
New Year is just around the corner, and what better time to make a commitment to improving your financial security in the future. Making a few financial changes next year could improve your finances in 2019 and beyond. A New …
Has the media influenced your financial decisions?
Media plays a huge role in the decisions we make on a daily basis. From digital news sites to social media, you can hardly escape its influence. But is ‘financial porn’ affecting your decisions and financial security?
Sensationalist news has …
10 years on from the financial crisis: How has it affected finances?
It’s still talked about today and mentioned in the headlines, but the financial crisis happened a decade ago. How has it affected finances? And what can we learn from it?
The 2008 global financial crisis is often referred to as …
Typical ISA savings will pay for just a fraction of care home costs
The cost of care is becoming an increasingly important consideration when planning retirement finances. But research indicates that many are a long way off being able to cover the total cost of their needs should they be required to use …