One question worth asking is how would you cope without an income? Make sure you’re ready should the unexpected happen. Mental health conditions might not be as easy to pin down as physical conditions, but insurers are increasingly recognising the need to provide cover and support to people suffering with mental ill health. And with…
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Maximising investment returns over a longer life expectancy. There are lots of variables in retirement: how long people will live for, the costs of goods and services they will need, interest rates available on their accumulated savings, and so on. But once you have retired, investing is anything but straightforward. Your finances are a primary…
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How our retirement plans may change in response to the coronavirus pandemic. The coronavirus (COVID-19) pandemic has touched virtually every part of our lives and is having a widespread impact across all aspects of financial life, including retirement plans. As a result, a significant number of people aged over 50 and in work are potentially…
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Welcome to the latest issue of our TIPS financial magazine. A return to how life was at the start of 2020 is some way off. Even now that lockdown restrictions are starting to be eased, coronavirus (COVID-19) will continue to affect our lives in many ways. Whether you have earned your wealth, inherited it or…
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In this post we look at careful planning and successful investing and how goals-based investing could be key. If your savings goal is more than five years away, putting some of your money into investments could allow you to earn more from your money and keep up with rising prices. Your wealth should work in…
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With increased life expectancy, the goal posts for what are considered short, medium and long term are shifting, more so for younger individuals. This is because someone in their mid-20s today might spend 40 to 45 years working and then have 20 to 30 years in retirement. So those in their 20s and 30s may…
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We’ve put together some steps to consider when passing wealth. Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that as little of it as possible ends up in the hands of the HM Revenue & Customs. With careful planning and professional financial advice, it is possible…
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Are you ‘mid or late career’ or planning to retire within ten years? If the answer’s ‘yes’, then you probably want to know the answers to these questions: Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I want? A…
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All of our June financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information, all of our independent financial advisers offer a free initial consultation…
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Collective investment schemes – also known as ‘pooled investment funds’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager. Investing this way can be easier and less risky than buying shares in individual companies direct, and there…
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Of low interest rates continue, it really matters where you invest your money. Investing for income means choosing assets that are able to provide you with a regular income. This is in contrast to investing for growth, which focuses on how much your assets could gain in value. People are living longer. Simple demographics mean…
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If you’re investing – especially for major goals years away, such as retirement – you can’t afford to ignore the corrosive effect rising prices can have on the value of your assets. Is inflation finally returning to Western economies, aided by the ‘Trumpflation effect’? It’s been described as a ‘hidden tax’ because of the consistent…
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