Pensions & Retirement

Take it to the Max

How to make the most of the various pension allowances. Saving into a pension is one of the most tax-efficient ways to save for your retirement. Not only do pensions enable you to grow your retirement savings largely free of tax, but they also provide tax relief on the contributions you make. There are various pension allowances that you need…
Jen Paice
January 12, 2021
Pensions & Retirement

Rewritten Retirement Rules

In 2015, the retirement rules were rewritten. The rules, which came into effect from 6 April 2015, have changed the way people take money out of their pensions, with new freedoms and options available to anyone over the age of 55. Pension freedom tax rules allow members of defined contribution pension schemes to access their pension savings early, provided they…
Jen Paice
January 7, 2021
Pensions & Retirement

Happiness is Freedom

With Greater Freedom Comes Greater Responsibility ‘The secret to happiness is freedom’ wrote the ancient Greek historian Thucydides. And with the introduction of the pension freedom rules, those aged over 55 now have far greater freedom of choice over how they use their pension pot to fund their retirement years. When pension freedoms commenced during the tax year 2014/15, it…
Jen Paice
December 16, 2020
Pensions & Retirement

Grow your Money

Invest in a Better Future Retirement planning is one of the most important investments you can make towards your retirement, to ensure you experience the quality of life you want in later years. But millions of retirement savers are unaware that they are sitting on a powerful weapon that could be used to fight climate change and other environmental problems…
Jen Paice
December 9, 2020
Pensions & Retirement

Future Financial Health

Take the time to take back control over your retirement savings. With all that has been going on in the world this year, for many people it’s been really difficult to feel as though they’re in control of much. However, some people have been in the fortunate position of being able to take the opportunity to invest in both their…
Jen Paice
December 4, 2020
Pensions & Retirement

Setting up a New Life

One of the freedoms of retirement is getting to choose where to live What makes a good place to retire? It’s one of the most basic questions people ask themselves when they start planning for retirement. It’s also one of the most crucial questions and one that, surprisingly, many people don’t give a lot of thought to. If there was…
Jen Paice
October 27, 2020
Pensions & RetirementSavings & Investments

Divest OR Engage?

ESG matters are increasingly important in both retirement and investment planning Environmental, social and corporate governance issues are increasingly in the news, with some high-profile companies facing public scrutiny, corporate action or litigation. In a world where doing good means a better, more sustainable future, environmental, social and governance (ESG) factors have become an essential measure for sustainability and ethics…
Jen Paice
October 7, 2020
Pensions & Retirement

Delaying Retirement

Pandemic forcing a widespread rethink of retirement plans The coronavirus (COVID-19) pandemic crisis has thrown some of the nation’s retirement plans up in the air. As a result, a number of people over 50 and in work are set to delay their retirement (15%) by an average of three years, or keep working indefinitely (26%) as a direct result of…
Jen Paice
September 19, 2020
Pensions & Retirement

Poll finds that 77% of people believe they will be worse off in retirement than their parents.

For many Brits, the thought of retiring causes anxiety, as people worry if they will have the pension needed to retire comfortably. A survey conducted by the Scottish financial planning firm Cornerstone Asset Management found that 77% of people believe they will be worse off in retirement than their parents or grandparents. The poll showed the disturbing disparity between where…
Jen Paice
September 18, 2020
Pensions & Retirement

Another Job, Another Pension

For Pensions Awareness Week, I thought I’d bring together some thoughts I’ve been having about the varying routes that people take to reach retirement.  The #nowrongpath gesture saw a number of my colleagues posting their career histories on LinkedIn, to show those facing COVID19 -induced career difficulties that few of us drive a traffic-free fast lane all the way to…
Jen Paice
September 16, 2020

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