Entries by Shona

Why planning for the unexpected is important in retirement

During your working years, you may have actively planned for the unexpected. Perhaps you set aside some of your income each month to cover emergencies or took out a protection product to act as a safety net. However, some find as they enter retirement these good habits fall to the wayside, but it’s still important […]

What should you consider when weighing up your investment risk profile?

One of the key decisions you need to make when investing is how much investment risk you want to take. Weighing up the level of risk you’re willing to be exposed to can be challenging. It’s often one that’s ruled by emotions and your personal attitude to risk. While these factors should play a role, […]

Matching saving goals with products crucial for maximising returns

As interest rates remain low and the cost of living continues to rise, it’s important to get the most out of your savings. While many of us are diligently saving, if you haven’t chosen the right product with your goals and needs in mind, you could be missing out. Despite figures from the Office of […]

Do you know your State Pension age?

Retiring is a milestone many of us look forward to as it draws near. The prospect of leaving the world of work behind and having more free time to dedicate to the things you enjoy is certainly appealing. But research suggests that many of those approaching retirement don’t know when they can expect to receive […]

Pension cold calling ban: What does it mean for scams?

The long-awaited ban on pension cold calling came into effect on the 9th January 2019. In a bid to protect pensioners being targeted by fraudsters, the ban has now been approved into law. It’s a move that should help the Financial Conduct Authority (FCA) and other organisations reduce pension fraud. Previous figures released by the […]

Scottish Budget 2018: Were you a winner or a loser?

Scottish Budget 2018: Winners and Losers Against a backdrop of Brexit uncertainty, Derek Mackay, Finance Secretary of Scotland, delivered his draft budget. It’s perhaps unsurprising that Brexit and the potential effects featured heavily in the Budget speech, with the Finance Secretary declaring that ‘any kind of Brexit will make us poorer. He then added: “This […]

Scottish Budget 2018: Everything you need to know

As Brexit and economic uncertainty continues, Scottish Finance Secretary Derek Mackay set out the tax and spending agenda for the year ahead at Holyrood on Wednesday 12th December. Beginning his delivery, Mackay outlined a vision of building a ‘strong and stable’ government that would ‘safeguard’ Scotland during the Brexit process. While Chancellor Phillip Hammond declared […]

Autumn Budget 2018: Were you a winner or a loser?

Will you be better or worse off because of today’s Budget? In a relatively quiet Budget our summary answers that question, please read on to find out. Winners Earners The personal allowance and higher rate threshold will increase earlier than expected to £12,500 and £50,000 respectively from April 2019. The income tax rates and bands […]

Autumn Budget 2018: Everything you need to know

Just after 3.30 pm today the Chancellor, Philip Hammond, stood up to deliver the first Budget on a Monday since 1962 and the last before Brexit. He started by saying this would be a Budget for “hard-working families … who live their lives far from this place … and care little for the twists and […]

Stock market fluctuations: Keeping the declines in context

Stocks market declines have once again made headlines. The FTSE 100 fell for a second day on Thursday 11th October, taking its shares more than 10% below their peak in May; the definition of a market correction. Reflecting market wide turbulence, it’s understandable if the fall has prompted a sense of uneasiness where your investments […]