Many of us with workplace pensions may be largely unaware as to the fund choice of those particular types of plans, with default being the fund selection choice for most arrangements. Such plans, that are often set up as workplace pensions are based upon a selection of “Lifestyle” or “Working Strategy” funds. Put very simply,…
You could take some of the tax free cash from your personal pension to help you through these difficult times
Why the Consumer Duty? Do a Google search into the use of UK financial advisers by the public and the general theme is one of scepticism; a questioning as to the value and integrity of advisers and a constant reassurance that they are not just for the wealthy. It doesn’t make for great reading and…
Interest rates have now increased 7 times since December 2021 and with the BoE planning on bringing inflation down to 2% within 2 years, more increases could be ahead. In these uncertain economic times, planning a purchase or a re-mortgage on your home could pose a few problems for mortgage seekers, as there are no…
So the pound is tumbling amidst the Chancellor’s announcement to cut £45 billion in taxes and the result is a back-lash from lenders who fear the ensuing volatility and have quickly removed products in the wake of the storm. The evidence now suggests that everyone, everywhere, will be hit with a rise in interest rates…
Since October 2019 there have been two major world crises, Covid and the Ukrainian war that have impacted our savings and investments in terms of stock market volatility. Just as we see the value of our savings fall, gradually rise again and then fall with each emerging crisis, our feelings and sometimes our behaviours follow…
There’s a lot going on in the world right now, and the last thing you might be thinking about is the state of your savings and investments. But the fact is, wider political and economic developments have an effect on finances, in terms of both savings and outgoings. The key to coming out of any…
If you want to do your bit to help combat climate change, one of the first places to look is your pension. Research by Make My Money Matter, Aviva and Route 2 found that opting for a ‘green’ pension is over 20 times more effective in cutting your carbon footprint than giving up flying or…
Stock markets are gambling on a rise in interest rates due to soaring prices in food and energy bills. There is no doubt about it, however well we budget, all of us are going to see an additional squeeze on our finances as the chancellor tries to plug the gap from the pandemic bail-out. For…
Covid is said to cost the Govt £5.billion in borrowing during the years 2020-2022 and naturally there is a need to replenish funds. An increase of 6% in corporation tax and a freezing of tax allowances over the next few years will help to raise towards £8 bill a year by 2025. No complaint here…
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