News

For many people, the word ‘investing’ is associated with the word ‘risk’. But to what extent is this true? What are the risks involved – and when are those risks worth taking? Anna Sofat of female-focused IFA Addidi Wealth takes a closer look.

Pensions minister Guy Opperman has warned that the climate crisis could affect people’s retirement savings if pension schemes fail to act in time. Renewables are already replacing traditional energy sources as a long-term investment prospect.

UK workers have lost track of up to 1.6 million workplace pension pots, according to the latest estimates. A lack of understanding of how to manage pension savings could result in many people being substantially worse off in retirement.

Is your glass half full or half empty? When managing your money and ensuring your financial security, both optimism and pessimism have key roles to play.

Changes to state pension age and pension credit, alongside reports of forecasting errors, are creating uncertainty around this most important benefit.

You can normally pay up to £40,000 into a pension each year and receive tax relief on it – this is your annual allowance. But you need to beware of not one but two big risks to your allowance, which could cost you a lot in tax.

More people in retirement are turning to their homes as a source of cash. This usually means using a specialist equity release provider – but could an arrangement popular in France provide an alternative solution? Welcome to the strange world of the ‘viager’.​​​​

As Japan contemplates a national pension age of 70 or 75, and the UK’s own state pension age continues to rise, workers everywhere face the prospect of delayed retirement. Meanwhile, many British workers fear their own pension savings will not be sufficient – so what’s the solution?

People taking income from their pension pots are being unusually cautious at the moment, according to new figures. Economic uncertainty has prompted pensioners without a guaranteed income to spend less and take a prudent approach.

If you’re choosing a financial adviser, you may be wondering what sort of fees to expect. This Unbiased guide explains how advisers price their services – and also introduces a brand new online tool for checking the cost of advice.