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7 tips for living longer healthily

7 tips for living longer healthily

Not so long ago, the stereotype of old age focused on the negative. Perhaps facing illness or struggling to leave the house. Today, that’s not the reality for many people. It’s common to see people in their 80s and beyond fully enjoying their life. So, what can you do...

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A quick guide to retirement interest-only mortgages

A quick guide to retirement interest-only mortgages

If you’re approaching retirement and still have some time left on your mortgage, it can be a concern and take up a significant portion of your income. Traditionally, retirees would strive to reach the milestone debt-free. However, there are many potential factors that...

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Why financial planning is important for Generation X

Why financial planning is important for Generation X

Generation X is likely to be facing big life and financial decisions. Yet, only a small portion is working with a financial adviser to ensure their future is secure. A nationwide study found that just 8% of those aged between 39 and 54 has spoken with an independent...

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What’s the purpose of your retirement?

What’s the purpose of your retirement?

Purpose in life gives you a sense of direction and provides meaning. Having a purpose can improve your wellbeing throughout life, and it’s no different when you’re in retirement. Understanding what your purpose is can make the next chapter of your life more...

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How to save for retirement in your 20s

How to save for retirement in your 20s

When you start your career, saving for retirement isn’t likely to be a priority. But more young people are saving into a pension than ever and it pays to understand what it means for your future. Whilst you might have left your 20s behind, you may have children or...

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3 things to keep in mind when accessing your pension at 55

3 things to keep in mind when accessing your pension at 55

For most people, their pension becomes accessible from the age of 55. If you’re nearing your 55th birthday, you might be tempted to make a withdrawal, whether as a one-off lump sum or regular income. However, using your pension as soon as you can, may have a greater...

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Investment market update: November 2019

Investment market update: November 2019

Welcome to our latest update on the investment market. We take a quick look at some of the key factors that influenced the stock market in November and could continue to do so over the coming months. The hot topics that have affected the markets in 2019, Brexit, the...

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7 things that could slow down buying a property

7 things that could slow down buying a property

Buying a property can feel like a marathon. If you’re hoping to move in quickly it can seem as though everything moves incredibly slowly, from waiting for a mortgage to be approved to hearing back from solicitors. However, being prepared and knowing what can slow down...

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The pros and cons of marathon mortgages

The pros and cons of marathon mortgages

If you’re preparing to take out a mortgage, there are plenty of things to consider. Among them is how long you’ll pay back the loan for. As property prices have increased, it should come as no surprise that mortgages are getting longer. More homebuyers are choosing to...

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5 ways financial planning can help if you’re self-employed

5 ways financial planning can help if you’re self-employed

Millions of people in the UK are now self-employed. Whether you work for yourself or are part of an industry where contracting is commonplace, it can place pressure on your finances. You need to manage your financial situation and potentially plan for periods where...

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The value of financial advice

The value of financial advice

When we think about the value of financial advice, it can be hard to quantify it. After all, you often can’t be sure how your fortunes would have fared, or if your circumstances would be different if you hadn’t worked with a financial adviser. But research has shown...

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7 signs you’re being approached by pension scammers

7 signs you’re being approached by pension scammers

We all like to think that we could spot a scam. But scammers are often sophisticated and it’s easier than you think to fall for their claims. The Financial Conduct Authority (FCA) has recently highlighted some of the most common tactics fraudsters use to try and get...

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When should you consider financial protection products?

When should you consider financial protection products?

Financial protection probably isn’t something you often think about, but it should be part of your financial plan. What would happen if your income were to unexpectedly stop for a period of six months for example? Many people dismiss financial protection as something...

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Investment market update: July 2019

Investment market update: July 2019

Welcome to our August update for the investment markets. We take a quick look at some of the key factors that have been influencing the stock markets and could continue to do so over the coming months. Unfortunately, the latest news paints a gloomy picture for UK and...

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Could your property boost your retirement fund?

Could your property boost your retirement fund?

Property is increasingly being seen as an asset that’s vital for funding retirement. It’s no surprise, after all, our homes are often one of the largest assets we have, but what are your options and the drawbacks of doing this? The value of property has grown...

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5 questions to ask when you’re planning for retirement

5 questions to ask when you’re planning for retirement

Planning your retirement can be a challenge. There are multiple areas to think about and you may not have a clear idea of what you want it to look like. However, whilst putting off planning until the retirement date arrives might seem attractive, it can mean missing...

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Using your savings to achieve aspirations

Using your savings to achieve aspirations

What’s on your bucket list? Whether incredibly exciting experiences, exotic travel destinations or something entirely different features on your list, it’s likely finances will play some role in how achievable they are. Could your savings be used to tick a few of your...

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The basics of Inheritance Tax and why it’s being reviewed

The basics of Inheritance Tax and why it’s being reviewed

Inheritance Tax (IHT) is one of the most unpopular types of tax in the UK and often referred to as a ‘death tax’. With the Office of Tax Simplification (OTS) reviewing it and recommending changes, it’s the perfect opportunity to look at why and what the current rules...

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Are you at risk of outliving your pension?

Are you at risk of outliving your pension?

We spend much of our working lives contributing to a pension to create an income that affords a comfortable retirement with a few luxuries. But a survey suggests that many saving into a pension are worried about running out. A poll conducted by FT Adviser asked...

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Eight in ten homeowners could be at risk if their income stops

Eight in ten homeowners could be at risk if their income stops

There are many reasons why your income could suddenly stop and it’s not a situation we want to think about. However, planning for potential scenarios means you’ll be in a better position financially and practically should they happen. Despite this, more than eight in...

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Six things to check before you purchase a leasehold property

Six things to check before you purchase a leasehold property

Leasehold homes have been in the press a lot recently; and not in a good way. Some homeowners have found themselves trapped in leasehold properties with escalating costs and little opportunity to sell. If you’re considering moving home and a leasehold property has...

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Longer lives and retirement plans

Longer lives and retirement plans

Retirement is a huge milestone and one that’s lasting longer for many people. You now have more choice around when you want to retire, how to take an income, and what you want to do after you’ve given up work. Whilst more flexibility has certainly been welcomed, it...

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Could you face a pension shortfall?

Could you face a pension shortfall?

One in three middle-aged Brits is set to retire on the State Pension alone and many more face a shortfall in their pension. It could leave a significant gap between expectations and reality. If you’re not sure what income your pension could deliver in retirement,...

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Why it’s important to revisit your financial plan

Why it’s important to revisit your financial plan

Once you’ve set out a financial plan, you might think all the hard work has been done. But keeping on top of the progress you’re making and ensuring it’s still suitable is essential for getting the most out of your assets. When was the last time you revisited your...

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The challenges of getting on the property ladder today

The challenges of getting on the property ladder today

It’s near impossible to escape news of the property market and the struggle aspiring homeowners face. With multiple challenges to taking the first step on the property ladder, the number of young homeowners is declining. According to the annual English Housing Survey,...

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How long could you survive without your income?

How long could you survive without your income?

If your income were to suddenly stop, how long would you be able to continue your current lifestyle for? If you made cutbacks, how long would your savings last for? It’s not something anyone wants to think about, but the truth is, people lose their income every day....

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Why are more people choosing to retire later?

Why are more people choosing to retire later?

Those approaching retirement age are shunning the traditional route when it comes to giving up work. For most people, the thought of handing in their notice and giving up their career in one fell swoop is no longer appealing. Today, retirees are choosing to retire...

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Considerations when you’re saving for a child’s future

Considerations when you’re saving for a child’s future

With university fees, rising house prices and other financial pressures, young adults can struggle to achieve financial security and tick off milestones. If you’ve got children or grandchildren, you may be considering starting a nest egg to help them along the way....

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Are your cash savings delivering the best returns?

Are your cash savings delivering the best returns?

From a young age, we're told to save for a rainy day. Hopefully, it's a message that's instilled some good money habits into adulthood, setting you on the right path for future goals, be it retiring early, buying a property or travelling. But, while we’re told to...

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The importance of longevity when planning for the future

The importance of longevity when planning for the future

When you’re planning your financial future, you’ve probably considered how much you need and how much you can afford to put away. But when you’re planning your retirement, have you factored in longevity? At a time when retirees can access their retirement savings far...

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