Are we seeing the return of inflation?
It has been easy to grow complacent about inflation in recent years. The rate of inflation has remained stubbornly low, but could inflation be finally returning to Western economies, aided by the ‘Trumpflation effect’? Continue reading
Providing the foundation for an exciting new chapter in your life
Nobody knows quite what the future holds. The good news is we are all living longer. Advances in medicine and healthier lifestyles have led to an increase in the average life expectancy of both males and females. Continue reading
Holding a blend of assets to help you navigate the volatility of markets
One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’. Continue reading
Out of sight, out of mind
The extent to which pension policies are being forgotten has been revealed in research from Aviva. A survey of almost ten thousand people who hold a pension has revealed that just under one in eight (13%) admitted they have at least one pension that they had forgotten about. This is equal to more than 2.5 million pension policies currently sitting in the back of people’s minds. Continue reading
Saving flexibly for a first home and retirement
Lifetime Individual Savings Accounts are being launched by the Government to help 18–40-year-olds to save and invest flexibly for the long term. The aim is that people will not have to choose between saving for their first home and retirement. Continue reading
Report findings suggest this trend is set to continue
Half of women (52%) are now saving adequately for their retirement compared to 60% of men, according to the latest Scottish Widows Women & Retirement Report. But while this maintains the record high levels achieved in 2015, the gap between men and women has widened since 2014 when 50% of women were saving adequately compared with 55% of men. Continue reading
Reduction to prevent inappropriate double tax relief
Chancellor of the Exchequer, Philip Hammond, delivered his first and last Autumn Statement to Parliament on Wednesday 23 November 2016. Continue reading
When you are unable to make your own decisions
More than two million Lasting Power of Attorney (LPA) registrations will have been filed by the end of 2016, with the number of appointments more than trebling between 2010 and 2015. Continue reading
I love a New Year, full of promise and change but it also provides an opportunity to look back on the year that has passed and see what has worked and what hasn’t.
This short’ish blog post will be about introducing you to some of the things that I have tried and continue to do because they work for me.
Building a nest egg for when children need it
The prospect of a child leaving home is scary enough for parents – and then there’s money to think about. Even if they get a student loan or find work, how will they be able to afford their first car or home? Parents and family often do what they can to help give children a financial leg up, with many choosing to set aside money for their future during their childhood. Continue reading