Financial Planning

November 2016

Individual Savings Accounts

By |November 23rd, 2016|

Tax-efficient investment wrapper holding a range of investments
Individual Savings Accounts (ISAs) have been around since 1999 and are tax-efficient investment wrappers in which you can hold a range of investments, including bonds, equities, property shares, multi-asset funds and even cash, giving you control over where your money is invested.

ISAs are a highly tax-efficient way to […]

How financially prepared are you for your retirement?

By |November 10th, 2016|

Thanks to healthier lifestyles and advances in medicine, people are living longer lives, but many individuals may not feel financially prepared for their retirement. When it comes to setting your investment goals or strategy for your retirement, there are two main options.
If you’re looking to build up the value of your investments over time, you’re […]

Having the freedom to choose

By |November 7th, 2016|

Using your pension money
Have you considered all the potential costs of retiring? Some people find their expenses fall once their working life ends, but it’s important not TO assume that all your expenses will go down – some may increase, such as heating and leisure costs.
 

The constantly evolving landscape of legislative change provides both challenges […]

October 2016

not losing sight of your long-term savings goals

By |October 18th, 2016|

The UK is entering uncharted territory after the EU referendum, but with relatively few unretired people beyond the age of 55 having started their retirement planning it is important not to lose sight of your long-term savings goals. Changing social, political and demographic factors mean that the outlook for retirement finances in the UK is […]

Critical illness cover

By |October 13th, 2016|

If the worst does happen, it’s important to make sure you’re financially protected
We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. If the worst does happen, it’s important to make sure you’re financially protected against the impact a critical illness could have […]

Whole-of-life insurance

By |October 10th, 2016|

Guaranteed financial protection that lasts for the rest of your life
A whole-of-life insurance policy is designed to give you a specified amount of cover for the whole of your life and pays out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have […]

Power of Attorney

By |October 6th, 2016|

Permitting someone to act on your behalf when you are no longer mentally capable of making decisions
A Power of Attorney is a legal document that allows you to give someone else the legal authority to act on your behalf. There are several different types of Power of Attorney. A Lasting Power of Attorney (LPA) – previously […]

September 2016

Setting up a trust

By |September 30th, 2016|

Choosing the right structures can protect assets and give your family lasting benefits
The structures into which you can transfer your assets can have lasting consequences for you and your family, and it is crucial that you choose the right ones. The right structures can protect assets and give your family lasting benefits. A trust can […]

August 2016

Open-ended investment funds

By |August 1st, 2016|

Acting in the investors’ best interests at all times
Open-ended investment funds are often called ‘collective investment schemes’ and are run by fund management companies.
There are many different types of fund. These include:

Unit trusts
OEICs (Open-Ended Investment Companies, which are the same as ICVCs – Investment Companies with Variable Capital)
SICAV (Société d’Investissement à Capital Variable)
FCPs (Fonds Communs […]

July 2016

What investment approach is right for you?

By |July 28th, 2016|

Your decision can have a big impact on your returns
Should you invest all of your money in one go or drip-feed it into the stock market over time? The answer will ultimately depend on whether you have a lump sum to invest or not, but it can have a big impact on your returns. Your […]