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Monthly Archives: November 2018

Independence plan


Least financially resilient group delay life milestones due to financial insecurity Life can get complicated when you hit your early thirties, which means your finances are starting to get serious. You might be in the middle of countless transitions, like … Continue reading

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Dot-com crash to global financial crisis


Busting the myths of investment companies’ performance Saturday 15 September 2018 marked ten years since the collapse of Lehman Brothers. And with the bull market following the global financial crisis – now the longest in history in the US – … Continue reading

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Self-employed finances


Looming pensions saving crisis on the horizon The number of people running their own businesses has soared since the financial crisis, with a significant number being set up by someone aged over 50. But an unhealthy number of self-employed workers … Continue reading

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Generational finances


Job prospects, savings, safety nets and life expectancy Rising housing costs, soaring student debt and low wage inflation have left many millennials with stretched budgets. They may get regularly mocked as Generation Snowflake obsessed with spending on luxuries, but new … Continue reading

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Funding your golden years


Tax aspects require careful planning after recent government changes Pensions have the reputation of being confusing, but they needn’t be. Private pensions are usually used by people who don’t have access to a workplace pension scheme, but you can also … Continue reading

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Market exposure


Build a portfolio that meets your needs The earlier you commit to an investment strategy, the longer your money can work in the market. However, the world is an uncertain place at the moment. The deadline for the United Kingdom’s … Continue reading

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Investing for tax-free dividends


No longer the precursor to end-of-tax year planning Venture Capital Trusts (VCTs) provide the opportunity for appropriate investors to support the growth of small UK businesses and receive attractive tax reliefs in return. Introduced in 1995, VCTs enable smaller companies … Continue reading

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Pension freedoms


Taking responsibility for funding our own retirement Although each generation will likely face different challenges and opportunities, achieving retirement readiness will require actions common to us all.

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