Blog

  • What does a pensions dashboard mean for you?

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    The development of an online pensions dashboard has been given endorsement from the government and looks as though it will get official approval in 2019. So what is a pensions dashboard? Keeping track of your pensions can be a real challenge, in fact there is currently over £5 billion worth of unclaimed pensions, sitting untouched. The idea of the...
  • Tips on how to avoid ‘FOMO’ investing

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    We’ve all experienced FOMO at one point in our lives, or to give it its full name; fear of missing out. It’s the feeling you get when there’s an event taking place that you can’t attend. It’s the “But, what if?” when considering whether to turn down an opportunity. It’s the anxiety that is all too common when we want to agree to something but are o...
  • What is a partial transfer?

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    You may have a defined benefit pension and be aware of pension transfers but not have heard of partial transfers. A partial transfer is a pension option that allows you to cash in a portion of your retirement fund, while still retaining the rest as a guaranteed income. They are a way of accessing your defined benefit cash without taking on the risk...
  • As a parent, could you be missing out on your state pension?

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    There’s no reason why being a parent, and particularly being a non-earning parent with commitments to their children, should put you at risk of decreasing your state pension entitlement. Currently, however, there are potentially hundreds of thousands of people in this exact position – although thankfully, there are steps to take so that it can be a...
  • Why the panic about cryptocurrencies?

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    With cryptocurrencies being a relatively new phenomenon, it’s understandable that those who are yet to learn the ins and outs might approach them with a sense of scepticism. After all, any financial undertakings should be approached with a certain degree of caution, and with a solid understanding of the processes and the risks that come along with...
  • Mary Poppins Returns: Can a tuppence really save the day?

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    Since the release of the film Mary Poppins Returns in December, it’s taken over $250m, making it a financial success. The story of the film itself however seems to recommend a few ways of making your own personal finances successful too. With the original set in 1910, the sequel takes us to 1935 where Michael, just a boy in the first film, is now a...
  • Saving for retirement: what’s the magic number

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    It’s easy to push saving for your retirement to the back of your mind. Future events have a habit of feeling very distant, until they arrive. It can be a difficult thing to keep track of too; with nobody helping you along the way or checking up on your savings, putting a retirement plan in place can be a lonely experience. The fact is, most of us a...
  • One in seven widows are missing out on valuable tax breaks

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    New data reveals that thousands of widows are missing out on valuable tax breaks on money inherited from their late husbands or wives. In 2015, the government introduced a new rule that allows spouses to claim an extra ISA allowance. This allowance, known as an Additional Permitted Subscription allowance (APS allowance), is available to the survivi...
  • Converting a Help to Buy ISA to a Lifetime ISA

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    With help-to-buy ISAs being phased out on 30th November 2019, many people are considering transferring their funds into a Lifetime ISA. You’ll still be able to access existing help-to-buy accounts until 30th November 2029, but it’s worth knowing which option is right for you. Help-to-buy ISAs have been around since before the Lifetime ISA was intro...
  • Savers turning to watchdogs in the fight against pension scammers

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    For those who want to stay safe from the efforts of pension scammers, help is out there. It’s just as well because such help is in high demand. Between August and October alone last year, the Financial Conduct Authority’s (FCA) ScamSmart website had over 173,000 unique visitors. That’s around 3,145 people per day on average, or one person every 27...