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Navigating life events and inheritance

Research highlights a profound impact on financial security and life choices.

In the current economic climate, the prospect of receiving an inheritance plays a crucial role in shaping major life decisions for many UK adults. More than one in five (22%) UK adults[1] who have received or expect to receive an inheritance[2] are delaying or planning to delay a major life event until they receive an inheritance.

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Maximising returns

The power of reinvesting dividends for long-term growth.

Dividends represent the portion of a company’s profits distributed to its shareholders. When you own shares in a company that declares a dividend, you receive a share of those profits. Dividends are pivotal in enhancing long-term stock market returns, offering a reliable income stream that can help mitigate short-term stock price volatility.

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Managing the menopause, a financial perspective

Often-overlooked financial implications during this transformative life stage.

The menopause is a natural phase in a woman’s life, marked by significant physical and mental changes. While much attention is given to the physical and emotional challenges, the financial implications of menopause often remain overlooked.

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Landscape of workplace pensions

A concerning trend among UK workers in workplace pensions and long-term saving has been highlighted in recent research.

Six in ten employees feel they are not saving enough for retirement, with a third experiencing anxiety when assessing the amount they have saved, the data shows[1].

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Is it time to evaluate your financial landscape?

Financial strategies are not immune to the impacts of life’s changes.

As the new year approaches, it brings a sense of renewal and opportunity—an ideal time to pause and evaluate your financial plans. This annual reflection is important to ensure your financial plans function at their peak and align with your evolving circumstances. No matter how sound, your financial plans are not immune to the impacts of life’s changes or the ever-shifting landscape of legislation.

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How much financial security do you need for a happy retirement?

Financial status plays a significant role in retirement happiness.

Retirement is a time many look forward to—a reward for years of hard work with the promise of relaxation and enjoyment. However, a key question persists: how much money is necessary to ensure happiness in retirement? A recent study suggests that the happiest retirees possess a pension pot of approximately £222,000, translating to an average monthly income of £1,700[1]. This income level, which includes a full State Pension, provides an annual

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How does pension consolidation work?

Pensions can be confusing, but there is an alternative way to help keep on top of them.

In today’s fast-paced world, many individuals have multiple pension plans collected over their working life. Whether through changes in employment or setting up personal pensions as a self-employed professional or contractor, managing these pensions can become challenging. Not only does this involve significant administrative effort, but the financial implications of juggling numerous plans are also considerable. Some pension schemes may suffer from uncompetitive

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Have you had a retirement conversation?

Many people do not engage in crucial conversations regarding the lifestyle they envision.

As we approach one of life’s most significant transitions—retirement—many people do not engage in crucial conversations about the lifestyle they envision or assess whether they’re on track to achieve it. Recent research highlights that half of those aged 55 and over have not discussed their desired retirement lifestyle with a partner or loved one.

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Enhancing your financial plans as you approach 50

Steps you take now to influence your retirement and overall financial security significantly.

As you get closer to your 50th birthday, it’s natural to feel anticipation and concern about your financial future. While financial planning might not seem urgent, the steps you take now can significantly influence your retirement quality of life and overall financial security.

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Combating inflation the ‘silent thief’

Why retirement planning needs to account for longevity risk.

Embarking on your retirement journey is a significant milestone filled with possibilities and new beginnings. However, being aware of potential pitfalls that could undermine your financial security is essential. One of the most prevalent issues is failing to protect against inflation. Known as the ‘silent thief’, inflation can gradually erode your savings and income purchasing power.

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Building a secure financial future together

How to prevent misunderstandings and lay the groundwork for mutual financial success.

Embarking on a financial journey with your partner can be both exciting and challenging. Whether you’ve been together for years or are at the start of a new relationship, planning your finances collectively can pave the way for a more secure future.

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Building a diversified investment portfolio

Why it’s imperative to consider your objectives and attitude towards investment risk.

Constructing a diversified investment portfolio is crucial for safeguarding your wealth against market fluctuations. Diversification involves spreading your investments across various asset classes, sectors, regions, and countries. However, tailoring your portfolio to your unique circumstances—such as your financial goals and investment timeline—is equally important. Before assembling your portfolio, it’s imperative to consider your objectives and attitude towards investment risk.

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