Changing rooms

When it comes to selling your house first impressions count, and that starts with kerbside appeal. Start with free Before spending any money, have a look around your property to see what improvements you can make that won’t cost a penny. If you have a garden, plants,...

Long-term investors needn’t fear volatility

You may have read in the press that markets have been particularly volatile in 2018. But what does this mean for your investments? While stories about stock market falls are guaranteed to make headlines, the subsequent rebounds in prices get less coverage; and that’s...

Auto enrolment contributions

The introduction of automatic enrolment in 2012 has led to a record high in pension participation, with more than 9.5 million people enrolled through the scheme. But contributions are at minimum levels, ONS data has shown The number of employees who contribute to a...

Advice matters – whatever stage in life you’re at

The financial products and services we need to navigate through life will change with our circumstances. In the early years, our financial needs are likely to be more straightforward, getting increasingly complex as whatever your circumstances. 20 – 30’s: From...

Are you thinking of downsizing?

According to a survey by Lloyds Bank, 45 per cent of empty nesters have no plans to downsize, despite the potential windfall moving to a smaller place could create. For these empty nesters then, life seems pretty comfortable, but their new-found wellbeing could be at...

2018: the half year report

The first half of 2018 had no shortage of political tussles and diplomatic standoffs to deliberate on. Here, we consider some of the big economic events across the globe that have kept us busy, including incidents that have come completely from leftfield. UK Brexit...

Auto-enrolment Update

It’s reasonable to suggest that auto enrolment has been a major success story. In fact, more than 1 million employers and 9 million employees have made pension saving a part of everyday life since its introduction in 2012. 6 April 2018 saw the second phase in the...

Financial wellbeing in retirement

Financial wellbeing is an important factor when it comes to being able to enjoy life. While we’re earning, it’s possible to secure the living standards we want for ourselves and our families, but it’s also important to put some of that income aside to build up your...

With protection comes choice

How many times have you heard the phrase “It won’t happen to me” when it comes to the chances of suffering a serious illness? Unfortunately, given that 1 in 2 people born after 1960 in the UK will be diagnosed with some form of cancer during their lifetime we should...

It happened to him

Don’t let the ‘it won’t happen to me’ approach affect your decision on whether or not to take out critical illness cover. David thought he was a fit, healthy, middle-aged man, with a good exercise regime and diet. He was a keen runner, and had even completed the New...