Financial futures
Building a nest egg for when children need it
The prospect of a child leaving home is scary enough for parents – and then there’s money to think about. Even if they get a student loan or find work, how will they be able to afford their first car or home? Parents and family often do what they can to help give children a financial leg-up, with many choosing to set aside money for their future during their childhood.
Gender savings gap widens
Report findings suggest this trend is set to continue
Half of women (52%) are now saving adequately for their retirement compared to 60% of men, according to the latest Scottish Widows ‘Women & Retirement’ Report. But while this maintains the record high levels achieved in 2015, the gap between men and women has widened since 2014 when 50% of women were saving adequately compared with 55% of men.
Income matters
Providing the foundation for an exciting new chapter in your life
Nobody knows quite what the future holds. The good news is we are all living longer. Advances in medicine and healthier lifestyles have led to an increase in the average life expectancy of both males and females.
Don’t put all of your eggs in one basket
Holding a blend of assets to help you navigate the volatility of markets
One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’.
Forgotten pensions
Out of sight, out of mind
The extent to which pension policies are being forgotten has been revealed in research from Aviva.
A survey of almost ten thousand people who hold a pension has revealed that just under one in eight (13%) admitted they have at least one pension that they had forgotten about[1]. This is equal to more than 2.5 million pension policies currently sitting in the back of people’s minds[2].
Portfolio protection
Are we seeing the return of inflation?
It has been easy to grow complacent about inflation in recent years. The rate of inflation has remained stubbornly low, but could inflation be finally returning to Western economies, aided by the ‘Trumpflation effect’?
Sustainable investing
Strategies to meet some of the most pressing global challenges ahead
Sustainable investing has gathered momentum across the world in the past decade as investors look for financial returns while helping to achieve a positive impact on the world around them.
What are you planning for in 2017?
How to look forward to what you want to accomplish
When was the last time you wrote down your goals? More importantly, when was the last time you revisited them?
Assessing current and forecasted wealth
Making the most of your money to achieve your financial objectives
To be in a position to navigate the financial aspects of your unique life’s journey, you need to regularly track your progress towards key goals such as paying off your mortgage, buying a second home, building a retirement fund or setting up an Inheritance Tax trust.