Investment volatility: Responding to market conditions

When your money is invested and you see the value of stocks and shares dipping, it can be tempting to take swift action. However, often the best response is to trust in your long-term financial plan and stick with it. Following a volatile 2018, you may find that your portfolio isn’t where you’d hope when you review it. Numerous factors, from Brexit to trade wars, influenced the stock market over the last 12 months. These unpredictable influences on investments aren’t going to go away, they’re part of the market. After taking a hit, ...

Millennials see the importance of pensions, but more responsibility is needed

Millennials see the importance of pensions, but more responsibility is neededBorn between 1980 and 2000, the millennial generation has a wide range of stereotypes attached to it. Often considered entitled by older generations and trailblazers for the upcoming ‘Linkster’ generation (the first generation to be linked into technology from day one). But when their attention turns to the serious stuff; like planning for their future, millennials are a lot more switched on than might have been assumed. Research from Prudential has shown that of people in the first 10 ...

Pensions: Government updates and tweaks pension changes

Government confirms pension changesThe changes to your pension, announced in the Budget earlier this year, took everyone by surprise. After a period of consultation the Government has now started to release the final proposals, which will come into effect from April 2015. So what will change? How will you be affected? Will it make you better or worse off? Read on to find out. Greater flexibility Despite calls from some quarters for the original proposals to be watered down it seems the Government is in no mood for a U-turn. From April 2015 anyone over the ...

Protection: Why your family is at risk if you don’t protect ‘mum’

Why your family is at risk if you don't protect mumWhen it comes to insurance, too much focus is often placed on the highest earner, usually the male, in the household. This mistake could be costly and leave your family struggling to make ends meet if the unexpected happens. Why is it important to make sure both parents are covered? Over the past 40 years more and more women have entered the workplace: Two thirds of all women work 72% of all mothers work The number of working mothers has risen by 800,000 since 1996 (Source: Aegon ...