Managing investment risk

Achieving your long-term financial goals whilst minimising risk

One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’ – reducing the risk of your portfolio by choosing a mix of investments.? Continue reading…


Generating income

Certain innate behavioural traits influence decision-making

Nobody knows quite what the future holds. The good news is that advances in medicine and healthier lifestyles have led to an increase in the average life expectancy of both males and females.  Continue reading…


Lifetime Individual Savings Accounts

Saving flexibly for a first home and retirement
Lifetime Individual Savings Accounts are being launched by the Government to help 18 to 40-year-olds to save and invest flexibly for the long term. The aim is that people will not have to choose between saving for their first home and retirement. Continue reading…


Wealth preservation

Inheritance Tax – no longer a tax that only the richest people in society have to face

When you die, the Government assesses how much your estate is worth and then deducts your debts from this to obtain the value of your estate. Continue reading…


Planning for Inheritance Tax

Taking preventative action is essential
With careful planning and professional financial advice, it is possible to take preventative action to either reduce your beneficiaries’ potential Inheritance Tax bill or mitigate it out altogether. Continue reading…


Consolidating your pension pots

What you need to consider to ensure you don’t lose out
Have you ever considered moving and consolidating your pension to another scheme or provider? There are a whole host of reasons why people might want to do this before they reach retirement. Some are looking for better fund performance, lower charges or better death benefits; others are simply changing jobs. Continue reading…


Generation x

Procrastinating when it comes to how they view their future.
People with birth dates between 1964 and 1979 are labelled ‘Generation X’ and are suffering from a widespread tendency to procrastinate when it comes to putting money aside for retirement, according to the results of a new survey[1]. Continue reading…


Navigating your investment options

How professional financial advice can prove invaluable
Few of us really have the time or inclination to understand the vast number of different investment products available on the market and consider what the best options are to suit our particular objectives. To do this effectively, it would need to become a full-time job. Continue reading…


Freedom to choose

Using your pension money
Have you considered all the potential costs of retiring? Some people find their expenses fall once their working life ends, but it’s important not TO assume that all your expenses will go down – some may increase, such as heating and leisure costs. Continue reading…


How financially prepared are you for your retirement?

Men narrow the gap on women when it comes to life expectancy
Thanks to healthier lifestyles and advances in medicine, people are living longer lives, but many individuals may not feel financially prepared for their retirement. When it comes to setting your investment goals or strategy for your retirement, there are two main options. Continue reading…