A signification proportion of higher-rate taxpayers are leaving thousands of pounds of pension tax relief unclaimed. They are missing out on ‘free money’ by failing to complete a self-assessment return or contacting HM Revenue & Customs (HMRC) directly. The relief...

Retirement confidence is unlikely to improve anytime soon maintains the Nucleus UK Retirement Confidence Index. Part of the problem, it suggests, is too few people prepared to pay for financial advice. The report, which we summarised last week, found that...

How confident are people about their retirement prospects? Surprisingly upbeat, according to the inaugural Nucleus UK Retirement Confidence Index. However, advisers are circumspect about the outcome, believing the storm clouds are gathering. Whatever, there are some truths which cannot be...

It is important to understand what will happen to your pension when you die, and what the tax implications will be of handing it on. How your workplace pension or one you’ve set up yourself might be paid to your...

Rarely does the market see a ‘genuine’ new product arrive, but Skipton Building Society claims to have done just that with the introduction of a Track Record Mortgage for first time buyers. It will allow tenants with impeccable payment credentials...

What is the next big shock coming the way of both investors and the world economy? Because, just like Covid, banking wobbles and Putin’s invasion of Ukraine, there will be one as surely as night follows day. Market watchers increasingly...

I came across this phrase recently in respect to investing – “prepare, don’t predict”. It sums up perfectly how investors should consider their portfolios over the long term and ensure diversification. Here is just a very short list of events...

Providing life cover for your loved ones in the event of your death is sometimes overlooked and ‘put off until tomorrow’ when potentially it could be too late. It is hard to confront the Grim Reaper. Many people would rather...