Has Covid Changed Retirement?

Has Covid Changed Retirement?

I read an article from another Financial Adviser recently about how Covid changed retirement for his client Mike.   Mike was an operator in a car factory and along with his wife, they had planned their retirement around their final salary and State Pension Ages.   The...
Retirement Age and Life Expectancy

Retirement Age and Life Expectancy

There has recently been some good news on life expectancy.  In their latest published National Life Tables the Office for National Statistics have found that, since last year’s release, life expectancy has increased by 6.3 weeks for men and women who are 65.    This...
5 Different Proven Investment Strategies

5 Different Proven Investment Strategies

The investment strategies you use are a key part of your financial plan. Without a good return on your investment it is going to take you a lot longer and require a lot more in savings to achieve all that you want to achieve.   So, are you using the right strategy or...
Why You Can’t Rely On Dividends Alone

Why You Can’t Rely On Dividends Alone

With combined dividends of the FTSE 100 share index yielding around 4.8%, you may be tempted to invest more of your cash in dividend paying stocks.    Why keep money in cash savings earning 0% interest when it could be earning 4.8% from dividend pay-outs?   Whilst...
What Retirement Income You Need

What Retirement Income You Need

Do you know what retirement income you will need? Or what your spending will look like in retirement?  Do you know how much retirement income your current pension and investment portfolio will deliver?   When I start working with clients, many struggle to comprehend...
Investment Risk Just Before Retirement

Investment Risk Just Before Retirement

Over many years it was considered appropriate to reduce your investment risk just before retirement.    After all, if you are soon to be taking money out of your pension fund, it’s logical to want to protect its current value to maximise those withdrawals.   But there...