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Pensions v ISAs: Tax relief makes a huge difference to your calculations
When you’re saving for long-term goals, choosing the right place to put your money is crucial. It could mean you have far more financial freedom later in life. If you’re thinking about retirement or your later years, you have multiple…
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Could property present a viable alternative to pension savings for retirement?
Retirement planning is a way to ensure that you can generate an income that supports the kind of lifestyle you lead in later life, whatever that looks like. While your pension is likely to provide the foundation of your income…
Read moreBefore you increase pension withdrawals as the cost of living rises, here’s what you need to consider
As the cost of living rises, you may be considering increasing how much you withdraw from your pension. While it could solve short-term challenges, it’s important that you think about how it could affect your future too. Several factors, including…
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Why saving your pension could reduce a potential Inheritance Tax bill
When you start thinking about how you’ll create an income in retirement, it’s probably your pension that comes to mind. Yet, if your estate could be liable for Inheritance Tax (IHT), it could make sense to use other assets first.
Read more1 in 3 savers worry they’ve “lost” a pension. Here’s how to track them down
It can be easier than you think to lose your retirement savings. In fact, estimates suggest thousands of savers have forgotten about pensions that could support their retirement goals. 31 October marks National Pension Tracing Day, so it’s the perfect…
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Guide – Your retirement choices: how to generate an income in later life
Since Pension Freedoms were introduced in 2015, retirees have had more choice when they access their pension. However, it also means you have more responsibility for generating an income later in life and it’s important to understand what your options…
Read moreShould you defer your State Pension? It could reduce your tax liability
There’s often a lot of talk about the State Pension Age rising and the impact it could have on retirement plans. But, in certain circumstances, delaying your State Pension payments could pay off. The State Pension Age is currently 65,…
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How inflation can reduce your pension and what you can do about it
When you think of risks to your retirement, do you include inflation? It can have a huge impact on your income throughout retirement. Yet, it’s often overlooked when creating a retirement plan. Inflation refers to the rising cost of living.
Read more5 reasons to switch pension providers to boost your retirement savings (and 3 things to do first)
Do you know who your current pension provider is? If so, do you know why you chose them? Even when you’re making regular pension contributions, these may not be things you think about that often. While, in many cases, your…
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Pension Lifetime Allowance is frozen until 2026: Will it mean your retirement tax bill soars?
While the chancellor didn’t announce personal tax rises in this year’s budget, a freeze on allowances could mean your tax bill unexpectedly increases. High earners and those with defined benefit (DB) pensions could now find they exceed the Lifetime Allowance,…
Read more8 pension mistakes that could affect your retirement
Saving for retirement should be part of your financial plan and can help you secure the lifestyle you’re looking forward to. But watch out for these eight pension mistakes, which could ruin your plans. 1. Putting off paying into a…
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Pensions and divorce: What are your options?
If you’re going through a divorce, your pension and retirement are likely the last things on your mind. And yet the decisions you make during the divorce process can have a lifelong impact. Despite pensions often being one of the…
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