Are you saving enough for retirement? 

One in six over-55s have no pension savings yet

Despite the fact that the government has been trying to encourage people to save for their retirement through initiatives such as auto-enrolment, there are still too many Britons who have no pension savings at all. Research reveals that a fifth (20%) of people still have no pension savings at all, and people nearing retirement aren’t doing much better[1].

Navigating the higher rate tax freeze

Minimising the impact on your personal finances

If you’re a higher rate taxpayer, the freeze on the Income Tax threshold will have meant an increase in your tax bill. The reason for the increase stems from the Chancellor’s decision in April 2021 to freeze the higher rate tax threshold rather than increase it in line with inflation.

Signs you’re really ready to retire

No one-size-fits-all answer to this question

When is the right time to retire? There’s no one-size-fits-all answer to this question – it depends on your personal circumstances. However, there are a few things to consider that may help you decide when the right time for you is.

Saving for a rainy day

What’s the right emergency fund amount for you?

An emergency fund is money you put aside to cover a financial shock. This could be losing your job, or a large, unexpected expense. Building an emergency fund can help prevent your needing to borrow money or make difficult financial decisions in those moments, by giving you savings to fall back on.

Solid returns

What investors need to know

The global stock markets can be highly volatile, with wide-ranging annual, quarterly, even daily swings. Although this volatility can present significant investment risk, when correctly harnessed, it can also generate solid returns for shrewd investors.

Protect your finances

How to maintain your financial wellbeing

As interest rates continue to rise, there are a few things that you can do to make sure your personal finances remain in good standing. It is always important to remain on top of your finances, but especially during times of rising interest rates, as many people start to feel the squeeze.

How to improve your financial health

General principles to help you attain specific goals

The cost of living crisis is putting immense pressure on many households across the country. In order to make ends meet, some people are cutting back on their spending and looking for ways to save money. One of the best ways to save money is to set goals.

Pension poverty after divorce

Ensuring an equal division of all the assets within the matrimonial pot

The breakdown of a marriage is often referred to one of the most traumatic and stressful events anyone can go through. Divorce can also be a costly experience, often including legal fees, a new home, a new car and new childcare costs. So, it’s perhaps predictable that so many need to rely on savings or credit cards for support during this time.

Show me the money

How to invest your money and avoid costly mistakes

It’s not surprising that the world of investing can seem complex, especially in the current global economic climate. Investors face an endless supply of market news, many investment choices and often-changing market conditions.