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Where do you go to get honest, reliable, easily digestible information about the investment landscape? With a raft of conflicting information available online and in print media, it can be impossible to sift through it all and pick out the key points which are relevant to you as an investor. That’s where Tilney’s newly released […]
This cautionary tale will resonate strongly with women from the UK born in the 1950s, many of whom have taken to social media and supported petitions to the government to express their anger at the sudden changing of goalposts by the UK government, the country’s biggest pension provider. It also shows that relying on anyone […]
Increased life expectancy, a falling birth rate and the coming of retirement age of the baby boomer generation are all contributing to the need to raise the state pension age as the old age dependency ratio, defined as the ratio between the number of people aged 65 and over and no longer working as a […]
Do you have difficulty thinking about your retirement? Does the world of no more work, endless spare time and unstructured days seem completely alien to you? If you’ve answered yes to those two questions, you’re not alone. Plenty of my clients, working busy jobs and with infinite pressures on their time, simply cannot imagine a […]
Savers in the UK have been getting a rough deal since the global financial crisis with interest rates held at 0.5% for a long eight years. In August 2016, when Brexit became reality, it was cut still further to a measly 0.25% and experts are predicting that the rate could go as low as 0.1% […]
It’s fair to say that the UK’s vote to leave the EU has caused havoc with the pensions of British workers. The interest cut has also caused huge problems for companies offering old salary-linked pensions who collectively were already responsible for a shortfall of £25bn in 2015, an astounding figure which has now risen to […]
The US government’s policy of taxing all US citizens, regardless of where they live, is almost unique (as far as I know, only Eritrea is the only other country which does it!). The draconian FATCA law which forces them to declare all overseas assets is extremely unpopular, not just with individuals, some of whom have […]
It is no secret that pension fund managers have had a tough time balancing the books in recent years. Not only have they had to face the fact that many people are living longer than expected but low interest rates over a sustained period coupled with quantitative easing measures by the Bank of England have […]
It seems that barely a week goes by without the release of some scary statistics which reveal just how ill-prepared the vast majority of people are for retirement. Take this report from the Economic Policy Institute in the US which reveals that the average couple has just $5,000 of retirement savings and even those approaching […]
Our investment management partner, Tilney Bestinvest, has just released their latest Spot the Dog study of underperforming funds. The report is something of a bugbear for those fund managers who are destroying value for investors, leaving nowhere for them to hide. You can download a free copy here. Fund managers at M&G are top dogs […]
Saving enough for a happy and secure retirement is becoming increasingly difficult and indeed could become an unattainable luxury for some. Retirement infrastructure in many countries is at breaking point which leaves it in the hands of individuals to save enough to support themselves after they finsin retirement. And yet huge numbers of people are […]
In an ideal world all our clients will have started putting money aside for their retirement from the very first pay packet they received. In reality, this is often not the case. A familiar scenario is for someone to have spent their twenties feeling immortal and that pensions are a waste of money when there […]
The fact that public sector pensions are being mismanaged may not come as much of a surprise but the scale of the mismanagement just might raise an eyebrow. According to a press release issued yesterday by the London-based economic thinktank, the Adam Smith Institute, ‘hidden’ national liabilities totalling £1.85 trillion, yes, that’s trillion, dwarf the […]
If you are in your twenties you have years to save for retirement and you might think you can put it off for a while but let me tell you, you will probably need all the years you can get. Here are four reasons why I would not recommend waiting before setting up a pension […]
The flexibility given to retirees following last year’s ‘pensions revolution’ in the UK has been welcomed by many who appreciate being able to drawdown as much of their savings as they like whenever they like once they hit 55, with 25% of withdrawals tax-free. Annuity sales fell 18% in the first half of 2015 compared […]
Another year, another UK pensions crisis! Worries that the current pensions system is unsustainable in the long term have led the government to commission yet another review of the pensions regime which will inevitably mean a hike in the state pension age. Future retirees will almost certainly look back enviously at today’s retirees who can […]
While many of us look forward to the days when our daily commute is a distant memory and we can spend our days doing just exactly as we please rather than sitting at our desks with our noses to the grindstone, our dreams of retirement are often overshadowed by financial fears. Will we have enough […]
Greece may be on its financial knees but, when it comes to pension provision, according to recently-released OECD figures Greek pensioners receive a higher percentage of their working age earnings (54.1%) than in many wealthier nations including the UK (38.3%), Canada (42.9%) , New Zealand (43%), the US (44.8%), Switzerland (46.9%) and Germany (50%). If […]
Last week financial experts were warning grandparents – dubbed ‘the generous generation’ – from making over-generous handouts to children and grandchildren which could cause them to run out of money later on in life. This has become an issue with the relaxing of pension regulations in the UK. From April this year, rather than being […]
A just-released OECD study on pensions has revealed how British retirees experience a bigger drop in income on retirement than those in almost every other country in the organisation. From the 34 member states, only Mexican and Chilean pensioners are worse off. According to the figures, on retirement the average UK earner will receive a […]
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