Has the financial reality of retirement fallen short of expectations?
Amid rising living costs and market uncertainty, ‘unretiring’ is a growing trend. Research shows that one in six retirees (16%) have either returned to work (8%) or are strongly considering doing so (8%)[1]. While some return for personal fulfilment, 24% cite loneliness or social disconnection as key reasons.
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Long-term investing
Geopolitical concerns and the importance of staying the course
Geopolitical events, such as those in the Middle East, often introduce uncertainty into global markets, affecting energy prices, trade routes and investor sentiment. While these events can be unsettling, reacting impulsively may lead to missed opportunities and unnecessary losses.
How to approach risk as an investor
Understanding risk tolerance and the capacity to make smarter investment decisions
From stocks to bonds and everything in between, every investment carries some degree of uncertainty. When we talk about risk, we generally refer to the possibility that your investments might not perform exactly as you expect. For some, this means watching an investment’s value fall. For others, it is the silent threat of their hard-earned money losing purchasing power due to inflation.
Missing Wills and pensions
Lack of organisation can cause delays and financial stress for families
Research has revealed a concerning trend among UK families: a significant number are unaware of where critical documents, such as Wills and pension policies, are stored. This lack of organisation could cause unnecessary delays, stress, and even financial penalties during bereavement.
What is the right mix of investments for you?
Asset allocation and how it can help you balance risk and return
One of the core principles of investing is to spread your savings across different types of investments, known as asset classes. If you have ever heard the saying, “Don’t put all your eggs in one basket,” you have already grasped the fundamental principle behind successful long-term investing.