Tag: annuity

Why Directors and Business Owners Fail to Plan their Retirement

Posted on February 4, 2014 No Comments

Company directors and owners of SMEs make plans and do forecasts all the time. Cash flow forecasts, SWOT analyses, plans for renewals and refurbishment; there’s hardly a day when they’re not eyeball to eyeball with a spreadsheet. So why do so many of them fail to plan their own retirements? With studies suggesting that only […]

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Will the State Pension really fund your post-retirement leisure?

Posted on January 20, 2014 No Comments

Too many people are going to rely on the state pension in retirement to provide for all their needs and wants, including their leisure activities, a Nationwide survey has found. Nearly half of the 2,400 surveyed rely on or plan to rely on the state pension for their post-retirement holidays and other leisure activities. Going […]

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10 New Year’s Resolutions for your Financial Planning

Posted on January 2, 2014 No Comments

The economies on both sides of the Atlantic might be showing clear signs of an upturn as we start the New Year, but that doesn’t mean we can suddenly afford to ignore our personal financial planning. So in the best traditions of New Year here are ten financial planning resolutions that will hopefully help make […]

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Call for industry to act now to end pension liberation

Posted on November 26, 2013 No Comments

Leading insurance, savings and investment provider, Aviva, are joining several other industry voices to call for stricter rules on pension transfers to stop the spiralling number of people being persuaded by fraudsters to access their retirement savings early – at a huge financial cost. Despite increasing awareness about the tactics being employed by so called […]

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How are we spending our disposable income?

Posted on October 31, 2013 No Comments

In the September 2013 five week reporting period, the amount spent in the UK retail industry was £33.9 billion, according to the ONS (Office of National Statistics). This compares with £26.9 billion in the four weeks of August 2013 and £32.9 billion in the five weeks of September 2012, equating to an average weekly spend […]

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How will you pay for your long-term care?

Posted on October 2, 2013 No Comments

The longer we live the more likely we are to need long–term care later in life – and most of us are now likely to live longer than we would have in the past. While many of us have watched the older generation grow old and need long-term care, the inevitability of ageing is generally […]

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Changes in real earnings in the UK, 2002 to 2012

Posted on September 5, 2013 No Comments

Average earnings of employees in the UK have fallen in real terms – their value in relation to the cost of living, between 2009 and 2012, according to a recent report published by the Office of National Statistics (ONS). The report states that the fall represents a change from the strong growth in real wages […]

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Political rumblings about the Equitable Life scandal

Posted on August 27, 2013 No Comments

A report by the Commons Public Accounts Committee (PAC), says that up to 236,000 pension savers with Equitable Life, which collapsed in 2000, or one in five policyholders, might not be traced before what it calls an “arbitrary” deadline of March 2014 for the Government compensation scheme. The seventeenth report from the Public Affairs Committee, […]

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Ten tips for financial planning in later years

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This is not about planning for your end. This is about planning for quality of life later on, free from the bother of worrying about things not done and confident that you have a plan and safety net, just in case you don’t remain on top of your game forever. There’s no way of putting […]

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Is an Annuity in your Future?

Posted on August 10, 2013 No Comments

Interest rates are low at the moment – and Mark Carney, the Governor of the Bank of England, has just announced a new policy initiative which is likely to see them stay low for some time. Interest rates are one of the key determinants of annuity rates, so it looks like those rates will also […]

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