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Money Matters

Are you spending too little in retirement?

Thursday 21 Jun 2018

How much of your pension pot should you spend in retirement? If you’re intending to remain invested through drawdown in your later years, this question should be front-and-centre as you plan your retirement income strategy. We’ve previously discussed the potentially deleterious impact a combination...

How to track down lost pensions and should you consolidate them?

Thursday 21 Jun 2018

The typical UK adult is now set to work for 11 different companies over the course of their career. The concept of a job for life is a rare one these days and, as a result, workers will tend to accumulate several smaller pension pots over their working life rather than just one. Keeping track of...

How to avoid the buy-to-let crackdown

Thursday 21 Jun 2018

The buy-to-let sector has faced a crackdown in recent years, with successive Government policies making it harder for landlords to make a profit. Particularly hit are so-called ‘dinner party’ landlords, who have one or two rental properties. In the past two years the Government has increased stamp...

High-earners face last chance to net £40,000 annual allowance

Thursday 14 Jun 2018

It might not feel like it, but the average rate of tax paid in the UK is actually falling. According to the latest Government data, the Treasury is set to inhale a mind-boggling £185bn from income tax receipts in 2018/19, up marginally from the £178bn it collected in 2015/16. But the average...

The popular ways for grandparents to invest for their grandchildren

Thursday 14 Jun 2018

Grandparents looking to set money aside for their grandchildren have a wealth of options available to them. From Junior ISAs to children’s pensions and even Premium Bonds, there are a number of ways to help young relatives to start saving. Among the most popular are Junior ISAs, which were...

Pension savers risk double jeopardy with bank account withdrawals

Thursday 07 Jun 2018

A staggering £17.5bn has been withdrawn flexibly from savers’ retirement pots since the pension freedoms launched in April 2015. But how are people spending it? To find out, AJ Bell surveyed 370 people who have used the flexibilities – which allow you to spend your pension as you like from age 55...

What to do with the cash windfall from downsizing

Thursday 07 Jun 2018

There are a great many reasons that people choose to downsize their house: reducing running costs, feeling that the family home is now too big and, very often, to free up vital funds for retirement. The average UK house price grew by 4.2% to £224,144 in the year to March, according to the Office...

FTSE 100 pension schemes move into surplus

Thursday 31 May 2018

Bring out the bunting! Just days after Prince Harry and American actress Meghan Markle, now the Duchess of Sussex, were married in Windsor, members of defined benefit (DB) schemes might also have been tempted to pop open the champagne in celebration. Well maybe champagne is going a bit far, but...

Pension tips for the self-employed

Thursday 31 May 2018

Building up a decent-sized pension pot can be a lot more challenging if you’re self-employed as oppose to employed. Employed people not only get a nudge to save into a pension through auto-enrolment, they also benefit from employer-matched pension contributions. If you’re self-employed, you’re...

Why you should avoid ‘lifestyle inflation’

Thursday 24 May 2018

We’ve all read stories about people who earn triple figure salaries yet still moan about the difficulty of paying bills or saving up for the future. If you’re not lucky enough to be a high earner, you might wonder how this could possibly happen. A large part of it is down to something called ‘...

Important information:

These articles are provided by Shares magazine which is published by AJ Bell Media, a part of AJ Bell. Shares is not written by AJ Bell Youinvest.

Shares is provided for your general information and use and is not a personal recommendation to invest. It is not intended to be relied upon by you in making or not making any investment decisions. The investments referred to in these articles will not be suitable for all investors. If in doubt please seek appropriate independent financial advice.

Investors acting on the information in these articles do so at their own risk and AJ Bell Media and its staff do not accept liability for losses suffered by investors as a result of their investment decisions.

The Shares team

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