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Long-term investors needn't fear volatility

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...

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Advice matters – whatever stage in life you're at

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 single...

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2018: the half year report

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...

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The path ahead for the global economy

The path ahead for the global economy

Much has happened to keep us busy in 2018 so far, but there’s plenty to come in the second half of the year in terms of the political and economic events that could shape the future direction of markets, and your investments. It will be interesting to see what, if any...

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Barriers to protection

Barriers to protection

According to an online survey of 2,000 adults by Royal London, half of those surveyed believe life insurance is essential for someone with a mortgage or dependants and yet only 60% of people with a mortgage have life cover. While 60% of those surveyed with a mortgage...

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How secure is your business?

How secure is your business?

Business protection is a crucial element in a company's financial future, but how many have cover in place? Research by Legal & General in their State of the Nation’s Small and Medium Enterprises (SMEs) report has found:   53% of businesses would cease...

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Some unusual insurance claims

Some unusual insurance claims

If we asked you to list the most common reasons for claiming on your household insurance, you’d probably say theft, accidental damage, or damage caused by storms and flooding. The following claims, however, are slightly more unusual… Animals do the strangest things...

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With protection comes choice

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...

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Offset mortgages explained

Offset mortgages explained

With interest rates remaining low, you might want to consider an offset mortgage. This combines your mortgage and savings into one account and, rather then pay interest on the savings, the savings balance is deducted from the loan amount and you pay interest on the...

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Insurance for home movers

Insurance for home movers

Moving home may be something which gets easier with practice, for example, if you’re in the military and have to change homes a lot.  It is, however, probably not something many people would class as a whole bundle of fun and in some cases can be the cause of a lot of...

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Going, going, gone to the auction!

Going, going, gone to the auction!

If you think property auctions are only for professional property developers or investors think again. They can be a great place to pick up a family home. In 2017, some £3,190 million worth of UK residential property was sold at auction, accounting for 21,024...

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Is now the right time to fix your mortgage?

Is now the right time to fix your mortgage?

November 2017 saw the Bank of England raise interest rates for the first time in a decade, from 0.25 per cent to 0.5 per cent, causing a number of lenders to increase their mortgage rates. The Bank of England has indicated there could be further rate rises, so if...

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Auto-enrolment Update

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...

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Financial wellbeing in retirement

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...

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Don't fall for a pension scam

Don't fall for a pension scam

Frank Field, Labour MP and chair of an influential parliamentary committee, has called for legislative action to help keep pension savings safe. This comes after Police data shows that more than £43m of people’s retirement savings have been lost to fraud since the...

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What's the Cost of a Comfortable Retirement?

What's the Cost of a Comfortable Retirement?

Have you ever stopped to think about the monthly income you'd need to provide for a comfortable retirement? If you’re thinking it would be the equivalent of your current salary you've probably overestimated. Remember, by the time you retire, you will hopefully have...

read more
Auto-enrolment Update

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...

read more
Financial wellbeing in retirement

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...

read more
What's the Cost of a Comfortable Retirement?

What's the Cost of a Comfortable Retirement?

Have you ever stopped to think about the monthly income you'd need to provide for a comfortable retirement? If you’re thinking it would be the equivalent of your current salary you've probably overestimated. Remember, by the time you retire, you will hopefully have...

read more
Stop Pensions Being Overly Taxing

Stop Pensions Being Overly Taxing

Since April 2015, pensioners have had greater freedom over how they manage their retirement savings. No longer forced to buy an annuity, they can now leave their money invested and draw an income from it (known as flexi-access drawdown). Whether you’ve already stopped...

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Need Help To Buy?

Need Help To Buy?

2018 began with a surprising pick-up in house price growth, up 0.6% month-on-month with January seeing a ten-month high increase of 3.2 per cent. Even with the wider economy and Brexit developments, the housing market activity is only expected to slow a modest amount....

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How to fund a university education

How to fund a university education

Before the introduction of student loans you may have left university with a bank overdraft. But the sum owed probably paled into insignificance compared to the five-figure debts faced by the coming generation of graduates. According to the Institute for Fiscal...

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Achieving your financial goals

Achieving your financial goals

We lead complex lives in an increasingly complex world. As financial planning experts we can help you better understand your financial challenges, goals and needs, and help you find appropriate ways to meet them. Even a seemingly straightforward financial goal can...

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Saving at all ages

Saving at all ages

The news is always full of stats about first-time buyers: in 2016 there were an estimated 335,750 first-time buyers - the highest figure since 359,900 in 2007 the average first-time deposit has more than doubled since 2007 to more than £32,000 • the average price of a...

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Getting Ready To Meet The Grim Reaper

Getting Ready To Meet The Grim Reaper

Do you know how your family would cope after your death? It's not an easy question to answer, or a nice subject to think about, but you could help to make their lives easier by setting up a Whole of Life plan, getting your finances in order and making a detailed will....

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What's the Cost of a Comfortable Retirement?

What's the Cost of a Comfortable Retirement?

Have you ever stopped to think about the monthly income you'd need to provide for a comfortable retirement? If you’re thinking it would be the equivalent of your current salary you've probably overestimated. Remember, by the time you retire, you will hopefully have...

read more
Are Cash ISAs worth the investment?

Are Cash ISAs worth the investment?

After the Bank of England (BoE) cut interest rates to reassure the market following the Brexit vote, cash ISA returns plummeted. According to Telegraph Money cash ISA returns fell by as much as 35% in the six months after the BoE’s decision. A quick google shows the...

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Pensions for stay at home parents

Pensions for stay at home parents

 Could you survive on £8,000 a year or less, in retirement? If you’ve given up work to look after your family, you’ll be among those least likely to save for retirement simply because you have no income. And when it comes to the State Pension, you’ll usually need at...

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