Should You Prioritise Property Or Your Pension?
Both pensions and property can be good ways of financing your retirement. It is, however, important to think carefully about which you prioritise. Here is a quick guide to what you need to know. The basics of pensions. In the UK, public-sector employees may still have defined-benefits pensions. These are often called final-salary pensions as […]
How To Keep Your Pension Pot Safe
If you’re in employment, saving into a pension can be a lot like paying tax. The money comes out of your paycheque before it reaches you. You don’t have to do anything. In principle, you don’t even have to think about it. In practice, however, you should think carefully about it. With that in mind, […]
Can your pension pot sustain your retirement?
Working out how long your pension pot will need to last – as life expectancy rises – is worth thinking about sooner than later. The lockdown caused many people to reassess their lifestyles, which for some meant choosing early retirement. But what retirees have found is that pension pots are not matching the period of […]
What You Need To Know About Protecting Your Pension
With great freedom comes great responsibility. With pensions freedoms comes the responsibility to protect your pension from scammers, (as well as the effects of inflation and potentially ending up in the wrong hands after your death). Here is a quick guide to what you need to know. The danger of pensions scams Up until 2015, […]
Talking Points
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Talking Points
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How Will Millennials Fund Retirement?
National Insurance contributions do not pay for your state pension. They are simply contributions to government coffers to be spent as the government sees fit. Under current rules, those contributions do entitle you to a state pension (eventually). Those rules can, however, be changed as can anything related to a state pension. Here we look […]
Retirement For The Self-Employed
Time famously waits for nobody. Growing up may be optional but growing old is a reality. This means that everybody has to plan for it. If you’re a paid employee, the chances are that your retirement arrangements will be linked to your job. If, however, you’re self-employed, you’re on your own. Here are some self-employed […]
What Does An Executor Do?
If you leave a will (which is highly recommended), then you can name up to four executors. As the name of the role suggests, the executors are the people with both the authority and the responsibility to ensure that a person’s estate is wound up in accordance with the will. Here are the key points […]
When Can You Retire?
Over recent years, the state pension has made the headlines fairly regularly. One of the reasons for this is the increase in state pension age. Now, the government is proposing to increase the age at which people can access private pensions. Depending on your position, this may be a big deal or a moot point. […]
