Financial Planning
Practical advice on managing your finances as you approach and enter retirement. Articles cover early retirement planning, inheritance tax, insurance options, and finding financial advisors.
Annuities: What Are the Alternatives?
If annuities don't appeal to you, see what other options exist for turning your pension into regular retirement income.
Assessing Your Assets
Figure out what you own before retirement by counting up your property, savings, investments and other assets that could fund your future.
Bank Loans for the Retired-What You Should Consider
Retired people can qualify for bank loans using pension income and credit history, just like employed borrowers.
Calculating Retirement Income
Figure out how much income you'll have in retirement by getting pension forecasts and comparing them to your expected expenses.
Choosing a Credit Card When Retired
Retired people face tighter lending rules and lower credit limits, but credit card options still exist if you know where to look.
Continuing to Work After Retirement Age
Many people in Britain work past retirement age for financial security, better work-life balance, or simply because they're not ready to stop.
Could Tax Changes Ruin Your Retirement Plans?
Higher capital gains tax could slash retirement savings for people relying on property sales to fund their later years.
Dealing with a Deceased Partner's Money
Handle your deceased partner's finances and assets step by step, from managing debts to distributing their estate.
Early Retirement
You can retire early if you plan ahead, control spending, and invest wisely, here's how the three key factors work.
Financing Retirement Challenges: World Economic Forum Report
The World Economic Forum warns that current pension systems won't sustain retirement as populations age worldwide.
Finding Alternative Retirement Funding Options
If you skip a pension, here are other ways to save for retirement without locking your money away long-term.
Health Insurance
Health insurance covers your medical costs if you fall ill, with coverage depending on your monthly premium and private hospital access.
Help with Financial Problems
Get practical advice on tackling money problems at any age, from debt and bills to retirement income struggles.
How to Start Your Own Investment Club
Get together with other investors to research and pick stocks directly instead of paying fund managers their hefty fees.
How Will the Budget Affect Pensioners?
The recent budget brought mixed news for pensioners, with higher VAT offsetting some gains from restored pension earnings links.
Inheritance Tax
How inheritance tax affects more people than ever as property prices rise, and what exemptions might help protect your estate.
Inheritance Tax: The Facts
Inheritance tax only applies to estates over £325,000 and is charged at 40%, with the executor usually responsible for paying it from the deceased's assets.
ISAS or SIPPS? Controlling Your Retirement Savings Pot
Weigh up SIPPs and ISAs to see which retirement account suits your situation and investment style best.
Life Insurance
Life insurance pays out money to your family when you die to cover debts, mortgages and funeral costs, but premiums vary based on your health and lifestyle.
Managing Your Cash During Retirement
Make sure your retirement savings last by budgeting carefully and figuring out how much money you actually need.
Maximise Your Earnings Past 65
Reasons why working past 65 could boost your finances and keep you active and engaged.
Pensioners Facing a Dilemma Over Dividends
Pensioners and dividend investors struggle as UK companies slash payouts and income sources dry up after the recession.
Pitfalls to Avoid with Your Retirement Savings
Stop making these costly mistakes with your retirement savings before it's too late.
Planning Ahead Financially
Start planning your retirement finances now, no matter your age, to make sure your later years match your dreams.
Reallocating Your Assets to Suit Retirement
How to adjust your investment mix as you move into retirement to match your goals and risk tolerance.
Saving for Children and Retirement
Help your kids with university, property, and weddings while building your own retirement through tax-free savings accounts.
Ten Important Facts About Annuities
You don't have to accept your pension provider's annuity rate, can delay buying until 75, and have other options to consider.
The Excessive Retirement Charges Affecting Pensioners
Thousands of pensioners face financial hardship from excessive service charges in private retirement developments, according to Age UK.
Understanding the 'Open Market Option'
How the open market option lets you shop around for better annuity rates when you're ready to retire.
Where to Get a Good Financial Advisor
How to find a trustworthy financial advisor who prioritizes your goals over their commission.
Why BP's Oil Spill Is a Disaster for UK Pensions
BP's Gulf oil spill is hitting UK pension funds hard as the company's share price collapses and dividends dry up.
Why Quantitative Easing Is a Worry for Retirees
How quantitative easing affects your retirement savings and what retirees need to know about rising inflation and lower bond returns.