Category Archive for "Pensions"

mortgage broker Radlett

The financial realities of getting older

Life is full of challenges and possibly the single biggest challenge of longer life expectancy is working out how to finance it.  There are more options than “just” pensions and even if you do go down the pension route (which…

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Coins in glass money jar with pension label, financial concept. Vintage wooden background with dramatic light.

Perfecting Your Pension

Even though there are plenty of ways you can potentially save for your retirement, saving via a pension scheme remains one of the most common, especially for those in employment, who now have to be automatically enrolled into a pension…

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Is it time to say goodbye to annuities?

Times change but sometimes it can take a while for established systems to catch up with this fact. For example, it took until 2015 for the law to recognise that using a pension pot to buy an annuity was not…

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Young employee with piggybank in pension savings concept

Understanding the basics of workplace pensions

There’s no such thing as a free lunch and you can’t have your cake and eat it. You can, however, make use of tax breaks to reduce the amount of money you hand over to the government and, hence, increase…

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Retirement Financial Plan Risk Assessment Senior Concept

Understanding the value of a pension

There are many ways of saving for retirement, but the option of saving through a pension scheme remains a firm favourite. There are many reasons for this but two stand out in particular. Firstly, pension saving is very heavily promoted…

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Thinking woman pondering over something

Making the most of your pension allocation

Politicians of all persuasions clearly believe that saving for our old age is a good idea and are particularly keen on encouraging us to save via pensions.  While the cynical might suggest that the main reason politicians are so keen…

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Young business team at a loss for a solution

How much money do you really need to retire?

General figures about the cost of retirement income can have their uses, but the fact of the matter is that, like many aspects of life, the cost of retirement will depend greatly on your own personal circumstances, needs and wants. …

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The retirement income conundrum

Assets are nice to have but it’s income which pays the bills, literally.  This reality may pose something of a conundrum for modern retirees who could find themselves in a situation where they have a high net worth on paper,…

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Two old friends enjoying a gossip

The pay gap continues in retirement

The UK media recently had something of a reporting frenzy when companies with more than 250 employees were forced to reveal their pay data split by gender.  Many well-known names revealed that men were paid more than women, in some…

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Businessman Inserting Coin In Save Money Concept On Desk

Evaluating auto enrolment contributions

Appreciating the importance of saving for our later years is absolutely nothing new.  A quick look at the literature of centuries gone by easily shows how long people have valued what we would now call retirement savings.  What has changed,…

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