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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,...

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...

Covering the cost of the ageing process

Growing up is optional but growing older is mandatory for as long as you live.  Ageing disgracefully can be a lot of fun but it’s important to realise that your post-work years can now stretch on for decades.  You need to think about what the ageing process could mean...

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...

Can You Afford Your Pension Income?

Since April 2015, pension savers have been able to choose between buying an annuity and receiving a standard investment income.  Getting this decision right can make a huge difference to a person’s retirement.  That’s why the government is taking steps to ensure that...

Should you be Pension Planning?

Plan for what is difficult while it is easy – Sun Tzu We all know we need to save for our pension, don’t we? But we also know it’s not always that easy to find the spare cash required to do so, especially amid a global pandemic. Research studies, though, typically...