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Parents: Today’s children will need a £2.4m pension pot!

The 800,000 babies born in the UK last year will need to save £2.4m into their pension to retire comfortably, while facing rising student and mortgage debt and care costs for their parents. The Office of National Statistics (ONS) recently released figures showing 813,200 babies were born in the UK in 2011/12, the highest number...

September Market Commentary

Economics and politics often make uneasy bedfellows and so it was in August as the threatened US-led intervention in Syria depressed stock markets at the end of the month. In the UK, David Cameron suffered defeat in the Commons, appearing to totally mis-judge the strength of backbench opposition. If there’s one thing the financial markets...

Is an Annuity in Your Future?

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 the foreseeable future.

Building a personal savings portfolio

We are all being encouraged to save for our futures, while at the same time many of us feel discouraged by low interest rates and returns on our savings.

Ten top tips for reducing your tax bill

1. Pay into a pension scheme Invest in a company or personal pension scheme and gain tax breaks on your personal pension contributions. 2. Maximise personal allowances…

Ten tips on how to avoid Identity Fraud

Around one in three of us in the UK can expect to be a victim of identity theft or fraud at least once in our lifetime. Two common attacks by criminals are that they either take over your identity or steal your credit/debit card identity. Either way, you can be done by the fraudster, quickly...

August Market Commentary

Introduction There was good news and bad news for the world economy in July – as ever, commentators were divided on whether the glass was half full or half empty…

Stock Market Volatility: What it is and what it means to you

Units can fall as well as rise in value and you may not get back the amount invested.

Pension crisis findings revealed

Research recently published by the Prudential has claimed that tens of thousands of Britons will retire into poverty this year. Of those who will leave work in 2013, one fifth will be below the poverty line, whilst 14% will have no personal or work pension at all and must expect to rely solely on the...

Self-employed missing out on pensions

Self-employed people are individually missing out on an estimated pension boost of over £90,000 over their working life because they do not benefit from employer contributions, according to the latest research by insurer Prudential.