Fact Sheets

Retirement finances

COVID-19: third of retirees fearful due to negative impactSix years on from pension freedoms, non-advised savers aged over 50 are facing a ticking time bomb at retirement, according to a new survey[1]. 66% of those saving into a defined contribution pension and 58% of...

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Goals-based investing

Are you giving yourself the best chance of success?Before you start, defining any goals you may have will help you plan, budget and choose the right investments. Your goals might be around enhancing your current lifestyle, planning for your family or your own...

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Funding long-term care

How much will it cost to enjoy life in later years?Long-term care covers everything from residential and nursing homes to home care. It is provided by a range of different organisations, including local authorities, the NHS and private and voluntary organisations. But...

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Critical factor

Protection for you and your loved onesWhat would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for...

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Advice matters

Life events that professional financial advice can help you navigateIn the current climate, we understand that you may be feeling worried about your work, your finances and what the future holds. Research carried out by the Office for National Statistics (ONS) found...

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Responsible investing

Responsible investing

Invest today. Change tomorrowResponsible, sustainable and environmentally friendly investing is here to stay. But, while demand is growing among all age groups, genders and income bands, some savers and investors are missing their biggest opportunity for responsible...

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Reduce your Inheritance Tax bill

10 ways to protect your estate for your loved onesEven those who believe they have moderate wealth levels may still need to take action to minimise Inheritance Tax, particularly if they own property and have savings and investments. Inheritance Tax is payable in the...

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Pension options

Planning your financial future, and how to get thereOne thing retirement is not, is an age. Not any more anyway. Gone are the days of being told to stop working one day and pick up your State Pension the next. Today you have new pension freedoms to decide when and how...

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Passing on pension benefits

Providing for your loved ones after your deathIf you’ve spent a lifetime saving for retirement, you’d probably like any remaining money to go to a loved one after your death. But whether pension benefits are payable to a beneficiary, and how they’ll receive them, is...

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Combined finances

Planning ahead for your financial future togetherSome couples may prefer to keep their finances separate, while others share everything. Whichever method you’ve chosen, when it comes to retirement saving, it’s worth planning together to ensure you’ve made the most of...

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