November 2011 (33 articles)

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Avoiding the inflationary risk which comes with cash investments

The merits of the new Junior Individual Savings Account (ISA) are clear according to Fidelity Worldwide Investments but where to invest the allowance needs consideration. With the current low interest-rate environment many savers who would have not contemplated investing in funds may now decide to do so in order to avoid the inflationary risk which comes with cash investments.

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Losing a loved one is greatest fear in retirement

It’s understandable that parents and grandparents want to pass their wealth on to the next generations and by making a will we can decide what happens to our property and possessions after our death. Although you do not have to make one by law, it is the best way to make sure your estate is passed on to family and friends exactly as you wish. If you die without a will, your assets may be distributed according to the law rather than your wishes.

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The British taboo of inheritance

Britons are still reluctant to talk openly with their parents about any expected inheritance, according to figures released by Aviva. Almost two-thirds have not, or would not talk about the subject openly with their parents, despite the fact that 40 per cent of people still expect an inheritance and may even build it into their retirement planning.

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Over half of UK adults have no life insurance, leaving many families vulnerable

We can’t predict the future, which makes it all the more important we’re prepared for whatever life may throw at us. In the event that the worst happens to you life insurance could help support your dependants, giving you peace of mind that they’ll be financially protected when you’re gone.

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Only 7 per cent of larger employers have firm plans on auto-enrolment

Millions of people are not saving enough to have the income they are likely to want in retirement. Life expectancy in the UK is increasing and at the same time people are saving less into pensions.

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Invaluable tax break for experienced investors

Saving tax is a preoccupation for many investors. However, for some experienced investors the Alternative Investment Market (AIM) offers an invaluable tax break in the form of business property relief (BPR).

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70 per cent of over-55s do not believe they should pay for long-term care

Providing for care in later life, whether for yourself or a relative, can appear a complex issue. Most people with assets over £23,250* will be required to pay for their own care.

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UK businesses more inclined to protect office equipment than their own staff

Business protection is designed to help safeguard a business against the effects of losing key staff, partners in a partnership or shareholders through death, terminal or critical illness.