It is impossible for investors to predict the future. Short term losses can be unsettling, but holding steady through the ups and downs is the best way to reach your long-term investment goals. A key to successful investing is to remain focused on your long-term objectives and not let short-term trends distract you. Holding onto your investments when times…
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IF YOU HAVE SIGNIFICANT ASSETS, YOU MAY BE WONDERING WHETHER INHERITANCE TAX (IHT) AFFECTS YOU. WORRYINGLY, SOME FAMILIES APPEAR TO BE SHYING AWAY FROM DIFFICULT CONVERSATIONS, AS ALMOST HALF (47%) OF UK ADULTS SAY THEY HAVE NEVER DISCUSSED INHERITANCE MATTERS, ACCORDING TO NEW RESEARCH[1]. IHT receipts increased by 22.9% in the first quarter of this tax year, according to data…
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IT IS IMPOSSIBLE TO CONSIDER RETIREMENT, AND OUR EXPERIENCE OF IT, WITHOUT ALSO CONSIDERING HOW WE’LL PAY FOR IT. BUT ALMOST 30% OF PEOPLE OVER THE AGE OF 55 ARE UNSURE IF THEY WILL BE ABLE TO RETIRE ON THEIR CURRENT SAVINGS, ACCORDING TO NEW RESEARCH[1]. Four out of five Britons are unhappy with the amount they are putting…
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Cohabiting families risking their family’s financial future THE LIFESTYLE OF OUR LOVED ONES MAY BE SERIOUSLY COMPROMISED IF WE DIE. HOWEVER, VERY WORRYINGLY, MORE THAN 2.4 MILLION COHABITING FAMILIES ACROSS THE UK – THE FASTEST-GROWING FAMILY TYPE IN THE COUNTRY – DO NOT HAVE LIFE INSURANCE, POTENTIALLY LEAVING THEIR LOVED ONES OPEN TO FINANCIAL PROBLEMS ONCE THEY PASS…
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How will it affect your retirement plans? Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to…
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How certain innate behavioral traits influence our decision-making With historic ultra-low interest rates on savings, many investors over the past decade have turned to income-paying funds as an alternative to cash-based savings. Changing life plans and priorities mean we now encounter varying income needs and goals throughout our life and, when investing, certain innate behavioral traits will influence…
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Consumers lost £130 million by sticking with the same pension provider in 2016 New research finds consumers could be missing out on thousands of pounds in retirement by not shopping around for their pension product. This means their pension pot may not stretch as far as they hope it will, yet a significant proportion of people expect…
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Protecting your portfolio from the ups and downs of investing. No particular investment consistently outperforms other investments. 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’. While it cannot…
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Dad’s putting their family’s financial security at risk if the unexpected were to happen. What would happen to you and your family in the event of unforeseen circumstances, such as the diagnosis of a serious illness or premature death? Worryingly, research from Scottish Widows reveals that more than half (53%) of men in the UK…
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Managing your pension savings effectively and efficiently from a single pot. If you’ve worked for two or three different employers, it’s possible you could have a workplace pension from each of them. You might also have set up a personal pension, so they can add up quickly. Pension consolidation lets you simplify your pension arrangements and…
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Taking advice early and developing a personal financial plan is crucial to meeting long-term goals Succession planning may be one of the most challenging experiences facing any leader, especially an entrepreneurial business person who has built a family business from scratch, so it is crucial to get right. For a family business, transition is a…
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Dads putting their family’s financial security at risk if the unexpected were to happen What would happen to you and your family in the event of unforeseen circumstances, such as the diagnosis of a serious illness or premature death? Worryingly, research from Scottish Widows reveals that more than half (53%) of men in the UK…
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