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How much should I be saving towards my pension?

Research shows that we put ambitious targets on our retirement income and then underestimate how much we need to save to get there. Before we delve into how much you should be saving, here’s a quick overview of the two main types of pension schemes: In a defined benefit scheme your employer promises to deliver

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Minimum age for pensions freedoms rises to 57

The government has confirmed that the minimum age for drawing a personal pension is to rise to 57 in 2028. Savers who pay into a personal pension either directly or through their workplace can currently access their money at 55. However, the government plans to raise the age as a result of increased life expectancy.

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Can Investing in one Company make you a Millionaire?

We all know that investments can rise and fall in value. That a prudent investor spreads their risk across different sectors and across different markets. And we all remember our very first financial adviser, our Grandma, who told us not to put all our eggs in one basket.  But between Christmas and New Year there

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Will we ever go back to the office full time?

For many people, the pattern of working life was well-established. They got up on a Monday morning, ate some breakfast and travelled into work. They exchanged news around the proverbial water-cooler, sat in meetings and came home again in the evening. Rinse and repeat. Then, on March 23rd last year, the UK went into lockdown. Suddenly,

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February Market Commentary

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Introduction  It might be appropriate to start January 2021 by looking back at last year. At the start of January 2020, we were fairly sure what we would be writing about, which included the run-up to Brexit on the 31st and a gradual thawing of US/China relations with a long-awaited trade deal due to be signed. 

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January Market Commentary

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Introduction  2020 has been a year like no other, and yet – as we will see below – the majority of world stock markets have enjoyed a good year. It was also a good year for Joe Biden, who defeated Donald Trump in November’s Presidential election, and for supporters of Brexit.  Finally, some 4½ years

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A merry Christmas to all

Christmas is fast approaching! Although we may be eating, drinking and being merry in a slightly different manner to the usual, we shall be merry nonetheless. As we come to the end of a challenging year full of unexpected experiences, perhaps we can take some positive lessons forward with us into 2021. In the spirit

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December Market Commentary

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Introduction  Is the end of November a time to celebrate? All the stock markets we cover in the Bulletin made significant gains in the month; the UK’s second national lockdown ends this week and, as we write, Christmas is a little over three weeks away.  Or is the glass half-empty? We’re going to come out

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Market reaction to the US election

After a tumultuous election which saw some unexpected results such as Georgia swinging in the Democrats’ favour, and protests at polling stations which involved chants of both “Count the votes!” and “Stop the count!” the dust has begun to settle, somewhat. Many of President Trump’s series of lawsuits contesting results in states such as Wisconsin

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How Brexit may affect the Stock Exchanges

As the UK is set to depart from the frameworks of the EU, there is concern amidst London’s biggest share trading venues surrounding the topic of where they may be able to buy and sell European stocks and where they may not. The dilemma In order for trading to continue as normal, the EU would

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