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Most of us think of retirement planning as something we need to do long before we’re retired. And of course, that’s preferable, otherwise we might never find ourselves ready to retire. During our working lives, fresh earnings help with planning
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Buying a lifetime annuity is a decision you shouldn’t take lightly. In return for a guaranteed income for life you’d be sacrificing a chunk of capital. On the other hand guaranteed income can do wonders for our peace of mind.
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By most standard definitions, wealth consists of accumulated assets. In other words, it’s what you already have rather than what you earn. But most people would consider someone who’d just landed a job with a huge salary as wealthy. And
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In the UK we haven’t had double-digit inflation since the early 80s. Since 1992 annual inflation has been below 5%. So you might be forgiven for thinking that inflation isn’t worth worrying about anymore. But we had similar levels of
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It’s easy to imagine that investment success necessarily follows from having a good understanding of investments. Knowledge helps a lot of course. But it’s easy to forget the role of psychology. If we’re investing a small amount, we might not
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It used to be that almost everyone with a private pension fund bought annuities when they retired. But Pension Freedoms have changed that. Now nobody is forced into buying an annuity with their pension savings. Instead, drawdown has become far
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