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How to maintain your mental wellbeing as financial stresses bite

At a glance With the cost of living growing, more people are now more worried about their finances than about catching COVID-19. Feeling squeezed financially can affect your overall wellbeing and mental…

The importance of understanding and minimising risk as an investment belief

Whenever you invest your money, you are always taking on an element of risk. For example, there is always a risk that an investment won’t perform as you’d like, and you will…

How late is too late to start saving for retirement?

At a glance Retirement has changed – someone aged 60 today could easily live another 30 years. It’s never too late to start or refocus your efforts on pension saving, regardless of…

How loneliness can contribute to financial scams

At a glance A quarter of people who experience loneliness have been the victim of a scam – and the same proportion of older people report feeling lonely at least some of…

Disciplined research and decision-making in the face of market volatility

Given the recent market volatility, it might be tempting to panic and make short-term decisions that, ultimately, may mean you lose out over the long-term. We’ve written about the importance of ignoring some…

How splitting assets with your other half can reduce Capital Gains Tax

Selling a second property? Cashing in a share portfolio? When you sell a valuable asset, you may have to pay Capital Gains Tax (CGT) on your profits.  One possible way of avoiding…

What Her Majesty the Queen can teach us about retirement

At a glance After 70 years of service, the Queen will be the first British monarch to celebrate a Platinum Jubilee. While few people work into their 90s, retirement is not the…

How to protect your business from the unexpected

While most people will insure their car, their phone, their holiday and their house, surprisingly few business owners take out the necessary protections to guard against the worst happening. Having the right…

What is the outlook for emerging markets

At a glance Economic growth across the world is slowing, and emerging markets are facing their own set of challenges Some regions have benefitted from rising commodity prices, and the waning effects…

Could a short-term focus be jeopardising your financial goals?

The Stanford Marshmallow Experiment is one of the more famous studies in the field of psychology. It was conducted in the early 1970s by Walter Mischel, a professor at Stanford University, and…

Retirement saving hacks for younger people

At a glance Young people may find it difficult to picture themselves at retirement age – it’s a time that seems so far away. Self-visualisation techniques – imagining your future self and…

Be strategic with your savings and make your money work harder

At a glance Cash ISAs are a simple way to save, allowing you to earn interest without paying tax on it. The introduction of the Personal Savings Allowance has weakened the tax…

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