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How to keep track of your pensions

A recent study has revealed the worrying statistic that over a fifth of all people with multiple pensions have lost track of at least one, with some admitting to have forgotten the details of all of them. With around two thirds of UK residents having more than one pension, this amounts to approximately 6.6 million

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Retire a little later?

This may seem a surprising suggestion. Surely most people are eagerly looking forward to early retirement, not thinking about postponing it? More time to travel the world, spend on the golf course or help out with the grandchildren sounds an enticing prospect rather than more years at work. But times have changed significantly since the

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Help to Buy ISA deadline is looming

After 30th November 2019, potential first-time buyers will no longer be able to apply for a new Help to Buy ISA.    Savers who already have an account will be able to keep saving into it until 30th November 2029, regardless of when the ISA was opened, but accounts will close to additional contributions after that

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Own a second property? Look out for Capital Gains Tax changes.

There have been several changes relating to Capital Gains Tax (CGT) over the past few years. The coming years are set to bring more. Here’s our summary of some of the more important changes coming that might be coming into effect from April 2020.  If you are thinking about selling a residential property in the

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Five million pension savers at risk from scammers

A joint warning from The Pensions Regulator (TPR) and the Financial Conduct Authority (FCA) says that five million pension savers could be risking their retirement pots due to scammers. Which has left people feeling, as you can imagine, a little bit worried.  The regulators’ warning came after research revealed that 42% of pension savers could

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Marshmallows and financial planning

The Stanford marshmallow experiment is one of the most famous pieces of social science research out there. It has arguably influenced the way that many people live their lives, in addition to providing plenty of fun and interest for those with young children who are in the ‘I’ll try this at home’ camp. So what

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Blockchain: What is it?

If you’ve been following the advance of technology in the financial sector over the past decade, you’ve no doubt heard of blockchain, the record keeping technology which had its first real world application with Bitcoin. It is often described as a “distributed, decentralised, public ledger.” Though there are simpler definitions out there. Importantly, blockchain has been

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September Market Commentary

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Introduction  August is traditionally known as the ‘silly season’. The great and the good are on holiday. Nothing is happening: there are no world events. So the newspapers have to resort to any number of peripheral and not-at-all-serious subjects to fill their columns.  Not this year.  Most of the headlines in the UK concerned Brexit.

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The generational gap in savings

A new report by Scottish Widows (SW) has found that savings habits among younger people are rather lacking when compared with older generations.  14% of people aged 20-29 are not saving any money, whereas 20% are saving between 0-6% of their wages and 26% are saving between 6-12%. That leaves only 40% of people between

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Find the right investment for you

In the wake of the Woodford debacle, there’s a lot of buzz around investments and the rationale for choosing them. So we thought it would be useful to outline what you should be thinking about when it comes to choosing an investment to enable you to get the best outcomes for your money.  Review your goals

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