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An annuity is a financial product that allows you to convert your pension savings into a guaranteed, fixed income for the rest of your life - often referred to as a secure income.
Choosing an annuity is a significant decision, as it is usually irreversible. That’s why it’s essential to fully understand how annuities work, the different types available, and the features they offer before making a commitment…
While inheriting a property may come with sentimental value, it also brings important financial and legal considerations. Understanding your options will help you make the right decision for your circumstances.
To guide you through the process, we’ve outlined key considerations when inheriting a property, including your choices, tax implications, and legal steps.
For much of 2024, interest rates were above 5% and the markets have experienced ups and downs which might have made you tempted to prioritise cash savings, seeing them as a safer option. However, for long-term savings goals, relying on cash savings alone may not yield the returns you need. This is where the strategy of regularly investing smaller amounts can be highly beneficial.
Saving money can feel like a daunting task, especially with the rising cost of living, but with some simple strategies and a bit of discipline, it’s possible to cut back and make significant progress.
Whether you're trying to build up an emergency fund, save for a big purchase, or simply manage your monthly expenses better, this guide will help you identify ways to save more money.
Your credit rating plays a crucial role in your financial life. Lenders use it to help decide if they'll give you a loan or credit, how much they’re willing to lend, and how much interest rate they’ll charge you.
If you’re looking into getting a mortgage, credit card, or loan, a good credit rating can make a significant difference in getting a good deal.
Care is important. It’s something everyone with family and friends are concerned about. Some may need it themselves, others may need care for their loved ones.
With a recent government report stating that 69% of people will spend an average of three years in long-term care (1), it’s a topic that, whilst it can be difficult or saddening to discuss, requires appropriate planning and preparation.
Debt Justice, a charity that campaigns against unjust debt, has found that about 12.8 million adults in the UK are falling behind on bills or finding repayments a heavy burden.
It's a stark reminder that the importance of a robust emergency fund cannot be overstated.
Join us as we explore financial security, and practical strategies to build and maintain your own safety net.
In an era becoming more and more reliant on digital transactions and online banking, the threat of falling victim to bank scams is more prevalent than ever.
The importance of safeguarding your hard-earned money cannot be understated.
Here, we'll delve into the rising threat of bank scams, dissect common scams, and equip you with practical tips on how to protect yourself.
Retirement is a significant life event that requires careful planning to ensure a financially secure and fulfilling future. Regardless of your situation, retirement planning shares common principles and steps that are essential for setting yourself up for success.
Here, we will explore the key factors and actionable strategies worth considering when planning for retirement.
Investing is a powerful tool for building wealth and achieving financial freedom, but it's not always easy to separate fact from fiction. Unfortunately, there are many investing myths and misconceptions that can hold people back from taking advantage of the benefits of investing.
Here, we'll debunk some of the most common investing myths and provide practical advice for a better financial future…
