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Pensions

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Pensions
April 21, 2022

Early retirement: how to avoid running out of money 3>

As financial planners, perhaps the most common question we receive is: “How do I keep myself from running out of money when I retire?” This is understandable. In retirement, you no longer rely on a…
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InvestmentsPensions
February 21, 2022

The Lifetime Allowance: a short guide 3>

There is a limit to how much you can save into your pension(s). Yet many people are at risk of unwittingly exceeding this threshold (the “Lifetime Allowance”, or LTA) – leading to a punishing tax…
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Pensions
January 10, 2022

Interest rates & annuities in 2022 3>

Have you wondered about the best way to fund your future retirement? Broadly speaking, a pension pot is commonly used in one of two ways to provide an income. The first is to go into…
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Pensions
December 9, 2021

How might working from home affect retirement? 3>

Prior to COVID-19 in 2020, working from home was gaining popularity in the UK. In 1981, only 1.5% reported that their role was mostly remote, but by 2019 this stood at 4.9%. Following the Government’s…
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Pensions
October 12, 2021

Pension tips when retiring abroad 3>

The thought of retiring overseas can be exciting for many people. Better weather, great cuisine and new experiences can be found in many popular expat locations including Spain, Australia, Turkey, Cyprus and Thailand. Expatriating, however,…
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PensionsSavings
September 23, 2021

Small & big pension pots – do annuities beat drawdown? 3>

Increasingly, investors want to know the impact that their investments are having on the world – not just the returns they generate. “Responsible investing” (sometimes also called ethical and ESG investing – environmental, social and…
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Pensions
August 4, 2021

How to spot a pension liberation scam 3>

Here in the UK, the phrase “pension liberation” usually refers to a type of scam. Here, fraudsters try to trick people into believing that they can access their pension funds before the age of 55.
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Pensions
July 27, 2021

Five retirement income options considered 3>

You cannot rely on a salary when you retire. As such, it is crucial to have a plan for generating a healthy income in retirement. Unfortunately, the state will almost certainly not cover all of…
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Pensions
June 28, 2021

Should you take your 25% tax-free lump sum? 3>

Since the 2015 Pension Freedoms were introduced, those with a pension pot in 2021-22 can now withdraw up to 25% of its value once they reach age 55. For someone with a £500,000 defined contribution…
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Pensions
May 27, 2021

How to prepare an ideal retirement 3>

What do you imagine when you think of retirement for yourself in the future? Perhaps you see yourself retiring early in your 50s. Maybe you see a kind of “partial retirement” where you keep on…
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