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There are 4.8 million self-employed people in the UK and only a third have any kind of pension arrangement. A shocking statistic when you consider that State support is shrinking and we're all living longer. Saving for a pension when you're self-employed is not as straightforward as it is for an employed person, who might automatically benefit from...
Some common questions you may have regarding your current mortgage position: I have exchanged on a new property, but not moved in. What should I do? The Government has stated that they do not want you to move during the lockdown, unless it is in exceptional circumstances. If you can therefore delay your move then you should. Mortgage lenders ...
Coming to terms with market turbulence As a direct consequence of the COVID-19 outbreak, global stock markets are suffering a period of turbulence. When markets move significantly it can prove very challenging to hear through the noise and focus on the bigger picture. Lessons from history Over recent years many investors have become use...
Self-employed? Prioritise your pension Since the introduction of automatic enrolment, over 10 million eligible employees have been signed up to a workplace pension scheme. But for self-employed people, no such scheme exists, meaning that many of those who work for themselves are struggling to prioritise their pension. While there are many benefits...
'Mortgage prisoners' may be able to remortgage You may have heard the term 'mortgage prisoners' but not know exactly what it is. Mortgage prisoners are those who are trapped in their current mortgage deal and are unable to remortgage or move. The Financial Conduct Authority (FCA) has estimated around 150,000 borrowers are stuck as 'mortgage p...
Accidental damage protects against life's little mishapsNobody knows what is around the corner. Accidents can and do happen and the most commonly reported household claim in 2018 was for Accidental Damage. It's therefore wise to check what is included in your insurance policy to help protect the valuable items in your home.Standard contents insuran...
Your pension savings, your future options Why you should consider modernising your pension As well as giving you greater freedom over how you access your savings, there are several other benefits when modernising your pension: - Take full control of your pension savings - Choose when and how to draw an income to suit your retirement...
As you approach retirement, you probably want to know when you can afford to stop working. Having worked hard throughout your career you deserve to enjoy your retirement without having to worry about your finances. It may be worth reviewing your pension contributions to make sure you are taking advantage of the incentives offered by the gover...
When it comes to building your investment portfolio, you might have been warned about avoiding putting all your eggs in one basket. It's wise to spread your money across a range of different investments. That way, if the value of one of them falls, it should have a limited effect on the overall performance of your portfolio. How to diversify ...
Do you want to provide valuable life cover and financial security for your employees and your family in a tax efficient manner? A Relevant Life Plan could be the answer. What is a Relevant Life Plan? A Relevant Life Plan is an individual 'death in service' life policy that is affected by an employer on the life of an employee and is funded by the e...