Responsible investment is a catch-all term to broadly describe funds that invest to make a positive change, either to the environment or for society. Within this umbrella term there are four broad investment approaches: ethical exclusion; responsible practice; sustainable solutions; and impact funds. Increasingly more pension savers are asking where their funds are invested….
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Are you ‘mid or late career’ or planning to retire within ten years? If the answer’s ‘yes’, then you probably want to know the answers to these questions: Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I want?…
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Retirement is something that many of us dream of throughout our working lives, but when the time comes, it can be difficult to decide if you’re ready, both in terms of your lifestyle and your finances. The decision is certainly not made any easier by the coronavirus (COVID-19) pandemic. To help you make up…
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We know it’s impossible to predict the future, but we know that by putting in place a well thought through plan the future will look less daunting. Creating a financial plan helps you see the big picture and map out your financial future. When you have a financial plan, it’s easier to make financial decisions…
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During this difficult time, fear and worry is understandable, particularly as the coronavirus (COVID-19) outbreak led to the biggest daily drop in the FTSE 100 since the financial crisis. Trying to second-guess the impact of events such as the coronavirus or the recent stock market volatility – or even attempting to make a bet on…
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Before you start, defining any goals you may have will help you plan, budget and choose the right investments. Your goals might be around enhancing your current lifestyle, planning for your family or your own retirement. The sooner you start investing, the better off you will be. Match your long-term investment goals with your short-term…
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In the current climate, we understand that you may be feeling worried about your work, your finances and what the future holds. Research carried out by the Office for National Statistics (ONS) found that, since the outbreak of coronavirus (COVID-19), over 25 million people have experienced ‘high’ levels of anxiety[1]. Professional financial advice…
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One thing retirement is not, is an age. Not anymore anyway. Gone are the days of being told to stop working one day and pick up your state pension the next. Today you have new pension freedoms to decide when and how you retire. Pension freedoms in 2015 fundamentally changed the rules for cashing…
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If you hold a Cash Individual Savings Account (ISA) you may be dissatisfied with the low rates of interest you receive, which could make it difficult to grow your money even at a rate that keeps pace with inflation. A Stocks & Shares ISAs offers the possibility of higher returns than Cash ISAs, but only…
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As the year draws to a close, I thought I would put my thoughts to paper once again. The strange parallel is that the last time I wrote a blog it was a beautiful spring day at the start of the pandemic, and now here we are several months later. Almost unbelievably, the restrictions are…
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