Do you have unrealistic retirement expectations?

Performance evaluation paper with smileysPredicting your income in retirement is tricky at the best of times, even with the help of a financial adviser it can be fraught with difficulties. The results of research conducted by Consumer Intelligence on behalf of Investec Wealth & Investment are therefore hardly surprising. Unrealistic retirement expectations The study found that higher earners, with incomes of over £50,000, expect their private pension to provide an income in retirement equivalent to 44% of their pre-retirement salary. However, the research also showed that this expectation is unrealistic with the actual income ...

Tax year ends soon, it must be time to buy an ISA, but just how do I find the right ISA?

It’s that time of the year when you will be bombarded by articles and adverts imploring you to take out an ISA before the new tax year starts. We agree it is important to use up as many tax efficient allowances as possible, let’s face it, there are not that many left, but just how do you avoid being taken in by the slick adverts promising ever greater returns, and how do you find the right ISA for you? The first thing to remember is that there are two sorts of ISAs; Cash and Equity, both are quite different.