Mind the gap between retirement and pension losses from lifestyle funds

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,…

The Consumer Duty- a practical approach to the changes required.

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…

Impact of tax cuts, market down-turn and your mortgage.

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…

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Beware the panic of market down-turns. Pensions still a good bet.

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…

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