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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The Financial Conduct Authority (FCA) warns that there are now “27.7 million adults in the UK with characteristics of vulnerability.” Examples of vulnerability include poor health, such as cognitive impairment, life events, such as bereavement or new caring responsibilities, low resilience to cope with financial or emotional upsets and low capability, such as poor literacy…
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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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