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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,...

Making the Most of Your ISA Allowance

The COVID19 pandemic has highlighted the importance of having both cash savings and insurance (for all the complaints about the latter).  At the same time, it’s still important to prepare for the future, especially your retirement.  Your ISA allowance could be used...

Helping you to save

Help to Save is a government savings account aimed at an estimated 3.5m people on low incomes. The scheme pays a bonus of 50p for every pound saved over four years, representing better value compared to the 1 – 2 per cent returns on savings bonds offered by high...

What’s stopping you from saving?

Generally speaking, and subject to investment charges and performance, the more you save and the earlier you start saving the better shape your finances are going to be in when you need to draw on them. So why is it then that many of us are reluctant to put money...

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...