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Tips on how to avoid ‘FOMO’ investing

We’ve all experienced FOMO at one point in our lives, or to give it its full name; fear of missing out. It’s the feeling you get when there’s an event taking place that you can’t attend. It’s the “But, what if?” when considering whether to turn down an opportunity. It’s the anxiety that is all

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What does a pensions dashboard mean for you?

The development of an online pensions dashboard has been given endorsement from the government and looks as though it will get official approval in 2019. So what is a pensions dashboard? Keeping track of your pensions can be a real challenge, in fact there is currently over £5 billion worth of unclaimed pensions, sitting untouched.

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What is the Innovative Finance ISA?

Innovative Finance ISAs (IFISA) are a little-known type of ISA that can see great returns. Here’s a summary of what they are and how they use P2P lending to secure steady rates of growth: P2P lending P2P lending stands for peer to peer. It’s founded on a pretty straightforward idea: you lend your money to

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What is a partial transfer?

You may have a defined benefit pension and be aware of pension transfers but not have heard of partial transfers. A partial transfer is a pension option that allows you to cash in a portion of your retirement fund, while still retaining the rest as a guaranteed income. They are a way of accessing your

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Why the panic about cryptocurrencies?

With cryptocurrencies being a relatively new phenomenon, it’s understandable that those who are yet to learn the ins and outs might approach them with a sense of scepticism. After all, any financial undertakings should be approached with a certain degree of caution, and with a solid understanding of the processes and the risks that come

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As a parent, could you be missing out on your state pension?

There’s no reason why being a parent, and particularly being a non-earning parent with commitments to their children, should put you at risk of decreasing your state pension entitlement. Currently, however, there are potentially hundreds of thousands of people in this exact position – although thankfully, there are steps to take so that it can

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The fight against pension scammers

For those who want to stay safe from the efforts of pension scammers, help is out there. It’s just as well because such help is in high demand. Between August and October alone last year, the Financial Conduct Authority’s (FCA) ScamSmart website had over 173,000 unique visitors. That’s around 3,145 people per day on average,

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Converting a Help to Buy ISA to a Lifetime ISA

With help-to-buy ISAs being phased out on 30th November 2019, many people are considering transferring their funds into a Lifetime ISA. You’ll still be able to access existing help-to-buy accounts until 30th November 2029, but it’s worth knowing which option is right for you. Help-to-buy ISAs have been around since before the Lifetime ISA was

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What does Warren Buffett read?

Warren Buffett, the famous American investor, speaker and philanthropist attributes his success to reading. An Investing student once asked him what the key was and he pointed to a pile of books and said, ‘Read 500 pages every day – that’s how knowledge works, it builds up like compound interest.’ His favourite books range from

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How will equity release affect my family?

The choice of whether or not to release equity from your home ultimately rests with you. However, the decision will have wide reaching consequences for your family. It’s sensible, before releasing equity, to see a financial adviser who will explain the ramifications. There are two main forms of equity release – lifetime mortgages and home

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