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The challenges of balancing different goal time frames

When you think about financial and lifestyle goals, there are probably several, each with a different timeframe. Juggling them and weighing up your priorities can be challenging. Should you focus on paying off your mortgage quickly now, or saving into a pension for retirement that’s still many years away? With conflicting goals, it can be […]

What’s pound cost averaging and how does it work?

When investing, there are numerous questions to answer, from how much risk you want to take to how much you’ll invest. Among these is how you’ll build up your portfolio. There are essentially two options to consider: deposit a single lump sum or drip-feed investments on a regular basis, known as pound cost averaging. Pound […]

Thinking about accessing your pension at 55? You need to consider the MPAA first

With pensions available to access and spend from the age of 55, you may decide you want to make one or more withdrawals before you give up work completely. However, there are a number of things to consider before proceeding, including the Money Purchase Annual Allowance (MPAA). First, it’s important to understand how accessing your […]

Considering ethics in finance

Ethics are increasingly playing an important role in our day-to-day lives. You may choose to purchase fair trade groceries, use a green energy supplier or be more aware of your own carbon footprint or water use. It’s a trend that’s inevitably spilling over into finances too. As the world becomes more connected in the digital […]

Premium Bonds: What are they and should you purchase them?

Premium Bonds have been around since 1956 but they’ve recently been in the headlines again after the technology behind the popular saving option has been revamped. But before you put your hand in your pocket, it’s crucial to understand what Premium Bonds are and how they can potentially offer you a return. Firstly, despite the […]

Your guide to purchasing an Annuity

Are you thinking about purchasing an Annuity to fund your retirement lifestyle? It’s crucial to understand the product and shop around for the best deal as research suggests that many retirees could secure a better income. An Annuity is a way of creating a guaranteed income throughout retirement if you have a Defined Contribution (DC) […]

Why are more retirees using Equity Release?

Some retirees are finding themselves asset rich but cash poor, impacting the lifestyle achieved. It’s a trend that’s led to an increasing number of people using Equity Release products to unlock wealth currently locked away in property. If you’re looking for ways to boost your retirement income, Equity Release could be an option that helps […]