What's Happening To The State Pension?

In the next few months with a general election on the horizon, millions of voters and savers will be eagerly waiting for news of what provision there will be for them in their retirement. The state pension, which is currently capped at a maximum of £113.10 per week, has been amended, adapted, altered and changed by successive governments over the last half century or so. The result can be that state pensions confusing, contradictory and often unfair. New government rules that will eventually come into effect from 2016 onwards have been drawn up in order to make state pensions simpler and fairer. In this article we will explore the new changes and how they will affect your financial future. F

Auto Enrolment – Be Prepared Or Face The Consequences. Why It's Crucial To Be Ready

The government is eager to prevent a pensions crisis and views Auto Enrolment in a workplace pension scheme as a key part of its strategy to avoid this situation. Employers who miss their deadline can expect to face steep fines which could potentially cripple a small business. From The Largest Companies To The Smallest Auto Enrolment started in October 2012 with companies which had 250 or more members of staff. Since then there have been a succession of implementation deadlines for companies of ever smaller sizes and by now all companies with 90 or more members of staff in April 2012 should be operating an Auto Enrolment process. It is now the turn of SMEs to implement Auto Enrolment. Dep

A Quick and Simple Guide to Equity Release

Equity release schemes and their close relatives, sell and rent back schemes, are both ways of increasing the funds available to people in retirement. While both are legal and both are regulated by the FCA, signing up to one of these schemes can have significant implications, and anyone thinking of doing so would be well advised to seek unbiased advice from professionals, such as financial advisers. Equity release schemes come in two basic forms. By far the most common is the lifetime mortgage. Essentially, the value of the equity in your home (or a portion thereof) buys you a cash sum or an income for life (or a combination of both). The key difference between lifetime mortgages and sta

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