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FINANCIAL ADVISER BLOG

Find my Pension

Some things are so easily lost. Car keys, mobile phone, wallet, or you entire financial future. At any given time a staggering five million people have lost track of their pension providers, like squirrels who bury acorns but forget where they put them. The result of a lost pension may lead to a diminished income at retirement age and eventually the Treasury benefitting from the unclaimed wealth. The government, are keen for individuals to be as minimal a burden on the state in their dotage as possible have launched the Pension Tracing Service which will help to find missing pension pots. Finding them, however, is not the end of the story. Reunited with your long lost pension Pension pots

The Theory of Every Asset

Physics is a more exact science than finance, and judging by recent Oscar nominations, it’s often more romantic and glamorous. Stephen Hawking, one of the great minds of the 20th Century was one of the first proponents of unified field theory, or the theory that explained the entire universe. So far a unified financial theory has yet to be created, but let’s consider the possible components. Many of us are acquisitive, and we look to maximise profit and minimise loss in our day to day money management. We balance the need to acquire against the need to limit risk and this leads to a level of security we are comfortable with. The one insight that is more useful than any other to the novice,

Don’t Rely On Using The Sale Of Your Home To Fund Your Retirement

As with any major reform to savings, pensions and investments, the recent government changes to annuities has been accompanied by a flurry of newspaper headlines, ranging from the alarming to the surreal. Deciding how you will fund your retirement is one of the biggest financial decisions you will ever make and one that cannot be taken lightly, but often the information overload that happens courtesy of the media can leave savers feeling more uncertain than ever. It is tempting in this situation to rely on a tried and trusted method of funding a retirement, the accumulation of equity in a property, but this might not be the safest and most effective way of paying for a retirement. Using a pr

5 Facts You Should Know About Annuities

Annuity is a term that until recently everyone had heard of but few of us not of retirement age knew what it meant. The March 2014 changed that. Suddenly annuities became big news and exciting stories about the possibility of Ferrari driving pensioners were splashed across the newspapers. This article is a quick look at the changes to annuities and how they will affect you, so the first thing to do is to explain specifically what annuities are, and how they have changed. An annuity is an insurance policy that people saving for their retirement can buy at retirement and it will guarantee a fixed annual payment for life, so it essentially acts as a private payment. Here are the five changes yo

Is The State Pension Like Jupiter Ascending?

The film Jupiter Ascending is arguably a sci-fi version of Cinderella. Jupiter (Mila Kunis) lives a life of drudgery until she discovers her true destiny. The new state pension rules aim to save those planning for retirement from a life of penny-pinching. In short those reaching state pension age from April 2016 will receive a substantially higher state pension (about £148 per week instead of £113.10 per week) – but they will have to pay National Insurance (NI) for longer to get it. Until April 2016, you can claim a full state pension with 30 years' NI. After April 2016 you will need 35. A Quick Guide to NI and the State Pension If you are employed then you will be paying National Insur

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