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Pensions news

The money confidence trick

How confident are you at managing your own money? Moderately? Very? That’s good, you might think. But here’s the sting: overconfidence in one’s own judgement is the biggest cause of costly mistakes – and it’s all down to something called the Dunning-Kruger effect. Article by Nick Green.

Be a woman with a financial plan

We like to think we are becoming a more equal society, but women continue to face a particular set of challenges when it comes to managing their income and planning for the future. Jo Noon, head of Cockburn Lucas for Women, explains why women need to take a different approach when arranging their finances.

Put your workplace pension into overdrive

Your workplace pension is an amazing long-term savings vehicle. But are you making use of its full potential? Steven Mason, chartered financial planner at Gilliland Neilson Brown, gets you up to speed.

How best to invest?

If you want something done properly, should you do it yourself – or hire an expert instead? The truth is, it depends. IFA Steve Johnson is here with some tips on how to choose the right kind of investing for you.

Employed or self-employed – which is better?

Do you dream of being your own boss? And would it suit you? Would you miss your steady salary and paid holiday, or do you crave more flexible hours? We weigh up the pros and cons of going it alone.

Why you should check your state pension now

Two pension experts offer their simple but high-value tips on maximising your state pension – whatever age you might be now. How much money might you risk missing out on? Article by Nick Green.

People ‘not engaged’ with pensions may have choices made for them

A Parliamentary committee has proposed a ‘default investment pathway’ for people who don’t make active pension choices at retirement. But should the government being making it easier for people to ignore their most important retirement decisions? Article by Nick Green.

What this lottery winner can teach you about your pension

A teenager wins a fortune with her first ever lottery scratch card, and must make a life-changing choice. But anyone saving up a pension pot may face a similarly big decision. What would YOU do? Article by Nick Green.

Contractor? Solve your 3 biggest problems

Working as a contractor through your own limited company can be very rewarding, and not just financially. That said, it can sometimes be a bumpy ride. Carl Roberts, Chartered Financial Planner at RTS Financial Planning, looks at the main hazards and how to conquer them.

The pension repayment scandal in the making

A potential scandal is brewing in the world of defined benefit pensions, which could see tens of thousands of pensioners asked to repay money received in error. There are suggestions that some individuals may be held liable for up to £50,000. Could this really happen, might you be affected – and what could you do about it?

How your ex might still inherit your pension

Many people approaching retirement may be unwittingly naming an ex-spouse or ex-partner as their pension beneficiary upon their death. According to a Royal London study, out-of-date paperwork may put current partners at risk of missing out.

Cost of divorce following couples into retirement

People who divorce may face an ongoing financial hit from it throughout their retirement, according to new research by Prudential. Younger divorcees and women especially are making potentially very costly mistakes by under-valuing their pensions.

The race to deliver a pensions dashboard

For some time now the government has been promising an online ‘pensions dashboard’ that will let savers view and manage all their pension arrangements in one place. Meanwhile, private pension providers are competing to deliver a similar service to cover their own products. So who’ll win the battle of the dashboards?

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