Priceless education

Choosing an independent school is a serious investment

Parents or grandparents wishing to give their children or grandchildren the benefit of an independent education face startling costs. This is followed after school by the costs of a university education, which are also considerable. However, with careful planning, it may be possible to avoid a huge outstanding student loan or tax burden.

Get ‘wrapped’ up

Autonomy to make your own investment decisions

Some people don’t want a pension company deciding how their pension savings are invested – they want to control where their money goes and how it grows. For people wanting to have autonomy to make their own investment decisions with their retirement savings, a Self-Invested Personal Pension (SIPP) may be an alternative solution.

Savings black hole

Inflation set to erode Britain’s £60 billion cash savings

Millions of Britons could see their savings shrink, as they don’t know how to shield them from the threat of rising inflation. Currently, UK savers are hoarding over £60 billion[1] in cash for long-term savings and investments, which stands to be eroded by £1.5 billion this year as a result of higher inflation.

Buy-to-let

Boom to be sustained by pension freedoms

In the previous five years, buy-to-let has seen the impact of huge property price increases. THERE HAVE BEEN legislative changes, new tax treatment and deep economic uncertainty across the country.

Bank of Mum and Dad

The UK’s most lenient lender?

The Bank of Mum and Dad is potentially the UK’s most lenient lender. its relaxed approach means it ends up writing off huge numbers of loans each year, according to new research[1].

Balancing act

You’ve worked hard for your money – now investing can get your money working harder for you

Before investing, you need to decide how much risk you are willing to take and consider your ability to deal with any losses. Some investors are happy to take higher risk if there is a chance for higher returns over the longer term, while others don’t want to accept any risk. Others may sit somewhere in the middle. The value of investments can go down as well as up, and so there is always a risk that you may not get back the amount you put in.

‘Empty nesters’ plan to downsize

Convenience rather than cash is the biggest motivation

There are plenty of reasons why moving into a smaller home makes sense, and more than 3.9 million over-55 ‘empty-nesters’ approaching retirement are planning to downsize to a cheaper property later in life[1] – but it is convenience rather than the cash that is their biggest motivation.

Are you ready to invest?

5 reasons to open a Stocks & Shares ISA

Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). Low interest rates on cash savings since the financial crisis have meant that many savers have turned to the markets in the hope of achieving a better return. 

Retirement delays

Access to health and well-being support in the workplace

There is now a clear trend of people working for longer and delaying their retirement. Although some are staying in work out of financial necessity, others want to keep working because they value the mental and social stimulation their job brings.

Self-Invested Personal Pension benefits on death

Declaring who you want the payments to go to

If you die, your Self-Invested Personal Pension benefits will be paid to your beneficiaries – either as a lump sum or an ongoing pension. You’ll need to complete a nomination form declaring who you want the payments to go to. The tax treatment of any death benefits paid from your SIPP will depend on your circumstances.