Reducing Inheritance Tax means taking action now. Without professional advice and careful financial planning, HM Revenue & Customs (HMRC) can become the single largest beneficiary of your estate following your death. A survey about Inheritance Tax [1] shows that wealthy Britons over the age of 45 are either ignoring estate planning solutions or they have…
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Don’t let global uncertainties affect your financial planning for the years ahead. The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by falls. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns,…
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Take the time to think about what you really want from your investments You need to consider what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start. 1.CONSIDER YOUR REASONS FOR INVESTING It’s important to know why you’re investing. The first step is to consider your financial situation and…
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Don’t let current global uncertainties affect your financial planning It’s important not to let current global uncertainties affect your financial planning for the years ahead. People who stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices. It’s important to stick to your strategy and keep moving ahead consistently…
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Steps you could take to increase your eventual income Even if retirement isn’t far away, there are steps you could take to increase your eventual retirement income. This applies both to your state pension entitlement as well as to any personal or workplace pension pots. We’ve provided some areas to consider that you may wish to discuss…
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Millions of Britons face financial fallout should serious illness strike. It’s easy to think that we will never be diagnosed with a critical illness, particularly when we feel healthy and energetic, but we can fall ill with very little warning. A critical illness can have a serious impact not only on your own life, but…
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Ageing population faces significant funding crisis. As part of Budget 2017, Chancellor Philip Hammond announced an extra £2 billion of funding for social care and paved the way for major changes to how people pay for it. But people in the UK are still underestimating the cost of elderly care by £7 billion every year[1], according to…
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Taking control over where your money is invested tax-efficiently A new tax year is nearly upon us – and that means, for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance. An ISA is a tax-efficient investment wrapper in which you can hold…
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Pension freedoms bring optimism and adventure to retirement. Will I ever slow down? Do I have the right plans in place? Retirement is a chance to do more of what you enjoy. Figures released as part of LV=’S tenth annual state of retirement report [1] indicate that, far from winding down, retirees are making the…
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Millions of older workers pin hopes on downsizing, inheritance or lottery win. Older workers are finding themselves caught in a position of retirement roulette, as many are relying on external factors such as a downsizing, an inheritance or even a lottery win to be able to afford a comfortable retirement, according to Aviva’s latest Real Retirement Report.…
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Higher inflation and near-zero interest rates mean the responsible thing to do could be to invest rather than to save. Many of us have been brought up to believe that saving is the responsible thing to do. But in today’s environment of low interest rates and rising inflation, savers may need to consider becoming investors to prevent…
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Preparing for an independent future should a relationship break down When disputes arise within families, emotions run high and rash decisions are made. This is why divorce is an arena fraught with acrimony. But, seven in ten couples don’t consider pensions during divorce proceedings, leaving some short-changed by £5 billion [1] every year. Research shows…
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