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Monthly Archives: July 2018

Taking early retirement


Making the most of the next chapter in life With increasing numbers now working past traditional retirement ages[1], stopping work can seem a long way off, especially for younger people. However, new research[2] reveals that the early retirement dream lives … Continue reading

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‘Pretirement’


Half of pensioners plan to work past retirement age The onwards march of ‘pretirement’ – where people scale back on work or slow their retirement plans down rather than giving up entirely – is continuing, according to new research[1].

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Pension paralysis


Saving not found to be a financial priority for UK workers Worryingly, pension inertia is rife across the UK with many Britons failing to make saving for their old age a priority as they fall into a short-term saving trap. … Continue reading

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Pensioner debt


Worrying increase on last year’s figure The over-65s in the UK are expected to owe around £86 billion by the end of 2018, according to latest figures from the Centre for Economics and Business Research (CEBR) and More 2 Life.

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To transfer, or not to transfer?


What to consider before making this big decision More than 100,000 people transferred out of Defined Benefit (DB) pensions in 2017/18[1]. A DB pension scheme is one where the amount you’re paid is based on how many years you’ve worked … Continue reading

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Averting a later-life financial crisis


More retirees drawing pensions without LPAs People are generally living longer these days. Increasingly, more people are living well into their 80s and 90s – and some even longer. This may mean you have a long time to budget for. … Continue reading

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Protecting you and your family’s finances


Top reasons people gave for not taking out protection There are many things to consider when looking to protect you and your family. It may not be the most exciting of subjects, but it answers one of our most basic … Continue reading

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ISA rules and Inheritance Tax


Families set to pay millions in unnecessary tax There’s a fundamental lack of awareness and understanding around Inheritance Tax, especially when it comes to how Individual Savings Accounts (ISAs) are treated after death. Given that some people have been able … Continue reading

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Back to the future


Uncovering what really matters to you is the key to the planning process Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for … Continue reading

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Driving towards the next phase of your life


Getting the date right can help you reach your destination sooner At some point you’ll say ‘goodbye’ to your co-workers, get into your car and drive towards the next phase of your life – retirement. But when will that be? … Continue reading

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