Investments
How to fund a long-term retirement
With retirements that could span decades rather than years, Simon Morris, Head of Strategic Partners at Premier Asset Management, discusses an investment approach that retirees could consider when looking for a sustainable, long-term income stream to meet their needs. Providing a sustainable income One key issue for retirees is how they can obtain a decent, [...]
Will low savings account rates ever bounce back?
For years after the 2008 financial crisis we were all told that savings rates had dropped because the Bank of England base rate had dropped. Gone were the days of 4-5 per cent, while 0.25 became the new normal for easy access accounts. When the base rate was raised last year for the first time [...]
The Impact of Sequential Returns Risk on Retirement Income Planning
Why professional advice is essential for keeping clients on track in the face of sequential returns risk Assets fluctuate in value, it’s the nature of investing. But watching a new portfolio experience volatility can be painful for an investor who has prioritised retirement income planning. Long-term investors can choose to weather these ups and downs [...]
The importance of advice when encashing a bond
in Investments, Tax
If your bond is ready for encashment, remind yourself of the rules before you act.
Using trusts to preserve wealth for future generations
Varied and versatile, your adviser may discuss trusts with you when making their recommendation. They’re a useful part of an adviser’s tool box – allowing you to set aside assets for specified beneficiaries. Find out more about how they can be used, and the controls you can set.
Global economic outlook with 7IM: Up and up and up?
Robert Hardy and Ian Jensen-Humphreys of 7IM sit down to discuss recent movements in global stock markets.
Will the taxman be the main beneficiary of your estate?
News headlines of tax avoidances schemes can be unsettling, especially if you worked to protect the assets you have a built up over many years to go to your chosen beneficiaries rather the tax man.
SIPP use on the rise after pension transfer activity explosion
Investments made through pension wrappers have reached a new high of £13.4bn in the third quarter of 2017, up 66.3 per cent on last year.*
The figures showed the amounts coming into pensions through transfers was particularly high. For instance, transfers into self-invested personal pensions (SIPP) more than doubled over the past 12 months to reach £1.9bn.
When no news is good news
What did the Chancellor say about pensions and ISAs in his autumn budget? Neil MacGillivray of James Hay Partnership explains why a combination of the two is essential for retirement planning. James Hay Partnership is an investment partner of Wren Sterling.