March 2014

The changing nature of retirement

Looking for an alternative to buying an annuity?
When you want to access your pension pot, you have several choices. The right choice for you will depend on a number of different elements, such as your tax position, whether you have a partner, your attitude to risk and even your health.

On reaching retirement, you can buy an annuity to turn your […]

Desperately Seeking income

Yields have dropped across the asset classes, except for equities

He may only have been in the job for just over six months, but Mark Carney, the Governor of the Bank of England, has already signalled his intention to do things differently and this is most noticeable in his concept of ‘forward guidance’.

Ongoing problem in the UK’s productivity levels
In the past, […]

More trade suppliers ask for personal guarantees

Although personal guarantees are a requirement in some instances, particularly within the construction sector, we have recently become aware that more trade suppliers than ever are insisting on personal guarantees.

In some instances the personal guarantee has been incorporated within the supplier’s Terms & Conditions. It is easy for this condition to slip through. How many people take the time to […]