October can be a scary month; the nights are drawing in and All Hallows’ Eve takes pride of place on the very last day. There is, however, a far more important day that takes place around the same time and very few of us are aware of it. The 30th October is National Pension Tracing Day, I admit it’s not …
Investment market update: September 2022
High levels of inflation and economic uncertainty continue to plague the investment markets. Investment portfolios are likely experiencing volatility – read on to find out what has been influencing markets. Despite the doom and gloom statistics, financial services firm JP Morgan suggests that a global recession could be avoided as inflationary pressures ease. As an investor, you may worry about …
5 amazing British films to enjoy this winter
With the 2022 British Film Institute (BFI) London Film Festival captivating cinema fans from 5 to 16 October, there’s no better time to look over the best British pictures from the last decade. From war films to social commentaries, British cinema has provided audiences with some truly memorable films. Now that winter is approaching, the cold weather gives you the …
3 useful options that could protect you if you’re buying a home with a partner
When you’re buying a home with a partner, thinking about the relationship breaking down is the last thing on your mind. However, it’s important to think about protecting yourself and ensuring assets would be divided fairly. Having a conversation with your partner about what would happen if you were to break up can be difficult. But tackling challenging “what if” …
Business owners: The essential basics about salary sacrifice pensions
Salary sacrifice schemes could offer employees a tax-efficient way to boost their retirement savings. It could benefit your business too, so they are well worth considering. If you’ve been thinking about salary sacrifice pensions or want to explore how you could expand your workplace benefits, read on to discover what they could mean for your business. What is a “salary …
7 in 10 adults haven’t thought about later-life care. Here’s what you should do to create a care plan
Later-life care can be a difficult topic to discuss and create a plan for. However, setting out a care plan now means you can rest assured your wishes would be followed and ensure long-term security. If it is something you’ve not tackled yet, read on to find out what you should do. According to a Canada Life survey, 7 in …
Before you increase pension withdrawals as the cost of living rises, here’s what you need to consider
As the cost of living rises, you may be considering increasing how much you withdraw from your pension. While it could solve short-term challenges, it’s important that you think about how it could affect your future too. Several factors, including the war in Ukraine and the long-term effects of the pandemic, mean that inflation is much higher than it has …
Investment market update: August 2022
High levels of inflation and concerns economies will experience recessions later this year continue to affect investment markets. While the stock market is experiencing volatility, remember to focus on your long-term goals. Guarantees cannot be made, but, historically, markets have bounced back from downturns and delivered returns when you look at the bigger picture. UK Inflation is high in the …
How much has the value of your home changed? Here’s why it could reduce your mortgage repayments
It’s no secret that property prices have been rising quickly. If it’s been some time since you checked your property’s value, doing so is a worthwhile step. If the value has increased, your mortgage repayments could be reduced. According to figures from Zoopla, the value of all homes in the UK surpassed the £10 trillion mark for the first time …
Why taking too little investment risk could harm your goals
When you imagine the worries that might come with taking investment risk, it’s probably “taking too much” that comes to mind. After all, you’ve likely heard stories of people that have invested in high-risk opportunities and lost some or all their money. However, when you’re investing for the long term, taking too little risk can also be damaging. As inflation …