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How much should I save into my pension pots in my 40s?
The question of how much to save into your pension pots in your 40s is an important one as it can have a significant impact on your retirement income.
Spring Budget 2023: What are the Tax and Pension Changes?
Learn about the changes to pensions and taxation coming into effect on 6th April 2023, following the 2023 Spring Budget. Stay up-to-date with our quick summary.
How much should I have in my pension savings pots at 40?
Turning 40 is a great time to review your finances, especially pensions. How much should you have in your pension savings pots at 40 and what is your target?
Financial Advice vs Investment Management: Are they the same?
Financial advice and investment management are both part of investing. Understanding the distinction between the two can help you meet your financial goals.
How do Pensions on Divorce Experts simplify pension sharing?
This article explains the need for a Pensions on Divorce Expert (PODE) when getting divorced and outlines how a Pension Sharing Order (PSO) is calculated.
What is a pension sharing order (PSO) in the UK?
Pension Sharing Orders divide the assets in pension pots between a divorcing couple, making it an essential part of UK divorce proceedings.
What is inflation and how does it affect my money?
Inflation is the steady increase in the prices of the things we buy and the subsequent decrease in the purchasing power of currency over time - how does this affect your money?
How do I prepare financially for the New Year?
At this time of year, we must review what we have done well with our money, the mistakes we have made and how we will prepare financially for the New Year.
What is the Pensions Lifetime Allowance? What are the rules?
The Pension Lifetime Allowance is the amount you can save into your pension pot and retain all tax benefits. Exceed this amount and you may pay additional tax.
What is GDP and what is a recession?
GDP is the value of the goods and services produced by a country and a recession is when a nation has a reduction in GDP for two or more successive quarters.
Why is the value of the pound so important?
A strong pound may reduce exports but also reduce the cost of imports. A weak pound may attract investment and increase exports but may increase inflation.
When can I retire and what is the Great Retirement?
If you have been keeping an eye on the media recently, you will no doubt have heard about ‘the Great Retirement’. What does this phrase mean and when can you retire?
What are bonds and gilts and how do they work?
What are bonds and gilts and how do they work? Are bonds and gilts a good investment? We answer all your questions about investing in bonds and gilts.
What is a Central Bank and what is the Bank of England?
We are all familiar with high street banks, such as Lloyds, HSBC and so on but what is a Central Bank and how is it different? What is the Bank of England?
How do I protect my investments from inflation?
Inflation is the rising cost of goods and services and the associated loss of purchasing power of cash. How do I protect my investments from inflation?
Pensions and divorce. What is a Pension Sharing Order (PSO)?
A Pension Sharing Order (PSO) is a formal agreement to divide the value of a couple's pensions after a divorce. PSOs are not always suitable for every divorce.
What is a Small Self-Administered Pension Scheme (SSAS)?
SSAS stands for 'Small Self-Administered Scheme' which are set up by company directors to offer greater levels of control over how their pensions are invested.
The personal & business tax rates & allowances in 2022/23.
With each new tax year, it is important for businesses and individuals to know the latest tax rates and allowances to make the most of every opportunity.
What are fund charges and are they limiting your returns?
When making investments, it’s important to not only consider the potential returns you may see but crucially the fund charges required in making those returns.
Fact Check: Residential property offers huge capital growth opportunities.
Over the years I’m sure we’ve all heard people say that property is the best investment, the stock market and pensions are a con and that buy to let wins every investment argument. This article aims to shed some light on real-world residential investment and how the rosy picture of value growth is heavily affected by a heated, pre-global financial crises market.