Consolidating your pension pots

What you need to consider to ensure you don’t lose out

Have you ever considered moving and consolidating your pension to another scheme or provider? There are a whole host of reasons why people might want to do this before they reach retirement. Some are looking for better fund performance, lower charges or better death benefits; others are simply changing jobs.

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Generation x

Procrastinating when it comes to how they view their future.

People with birth dates between 1964 and 1979 are labelled ‘Generation X’ and are suffering from a widespread tendency to procrastinate when it comes to putting money aside for retirement, according to the results of a new survey[1].

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Navigating your investment options

How professional financial advice can prove invaluable

Few of us really have the time or inclination to understand the vast number of different investment products available on the market and consider what the best options are to suit our particular objectives. To do this effectively, it would need to become a full-time job.

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Freedom to choose

Using your pension money

Have you considered all the potential costs of retiring? Some people find their expenses fall once their working life ends, but it’s important not TO assume that all your expenses will go down – some may increase, such as heating and leisure costs.

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How financially prepared are you for your retirement?

Men narrow the gap on women when it comes to life expectancy

Thanks to healthier lifestyles and advances in medicine, people are living longer lives, but many individuals may not feel financially prepared for their retirement. When it comes to setting your investment goals or strategy for your retirement, there are two main options.

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Money’s too tight to mention

Planning financially for long-term sickness

How would you pay the bills if you were sick or accidentally injured and couldn’t work? According to research by Unum and Personnel Today, just 12% of employers support their staff for more than a year if they’re off sick from work.

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Who will care for you in old age?

Making provision in a way that meets your needs and wishes

As a population we are living longer, and with an ageing population the need for care is growing, with the time spent in care also increasing. However, a fifth of the UK (20%) have no idea who will look after them if they have care needs in old age, according to research released from Bupa. Nearly three quarters (73%) think they will have care needs in older age, but only around half (51%) expect their family to care for them.

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Generational investing

Implications in a fast-changing world

The motivations and values of Generation Y born between 1980 and1999 and how these impact their behaviour as investors and consumers have been published in a work by Dr Paul Redmond, Director of Student Life at the University of Manchester, in which he explains the key findings of his work on ‘generational theory’ and the implications in a fast-changing world.

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‘Mid-life savings crisis’

It’s good to talk about your options

Put simply, retirement planning is about how you look at your future, but more than a million Britons are facing a ‘mid-life savings crisis’ as they near 40 with no retirement savings, according to research from Zurich. A third (33%) of British adults aged 35 to 39 – equivalent to an estimated 1.31[1] million people – say they have no money saved into a pension, despite approaching the mid-point of their working lives.

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Is it natural to procrastinate?

Britons would rather vacuum than review their pensions

Why should you start planning for your future now? Retirement might seem like a long way off, but the sooner you plan for it financially, the less you are likely to have to put aside. Planning for your financial future early in your working life will allow you to make longer-term and potentially more rewarding investments.

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Global Emerging Markets

Sector shows an increase over the year to date

After a rocky few years, the Global Emerging Markets sector has picked up in 2016, with the sector showing an increase of 31% over the year to date at the end of August.

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Investment matters

Creating the life you want

Anything is possible when you manage your money the right way. Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. Investments can offer both risk and return, and, generally, the bigger the risk, the greater the potential return. It’s down to each investor to be comfortable with the perfect balance for them, and this will vary depending on how much you have to invest, what stage of life you’ve reached and what you’re trying to achieve.

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Getting ready for life beyond work

Three-year growth in adequate retirement saving steadies

Nobody knows quite what the future holds. Changing life plans and priorities will mean we encounter varying income needs and goals throughout our life, and when saving for retirement certain innate behavioural traits will influence our decision-making. Savings levels in the UK are showing signs of steadying at the same time as the number of people expecting to receive a defined benefit (DB) pension continues to fall[1].

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Capturing the upside

Forecasting future variations in volatile investment returns

To invest successfully, you have to navigate complex market forces, so it’s important to take a more rounded approach. Investors have much to think about when choosing and understanding investments; in particular, market volatility and the impact it can have on your investment.

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Brexit

Catalyse, or sabotage?

Supporters of the British vote to leave the European Union (EU) have heralded recent economic indicators as vindication that Brexit will act to catalyse, not sabotage, the UK economy. Before June’s referendum, most economists warned that a Brexit vote would damage economic growth – an argument at the heart of the unsuccessful Remain campaign.

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