Taking the first step

Introduction to investing for beginners

Embarking on the journey of investing can seem intimidating initially, but with a long-term perspective, it can significantly accelerate the achievement of your financial goals.

Inflation on your retirement income

Several strategies to lessen its impact on retirees

The recent surge in inflation could be a source of worry if you’re a retiree relying on your pension for income. It’s natural to question the resilience of your retirement income plan in the face of escalating prices and how it might influence your lifestyle and long-term aspirations.

The gender divide

Reflecting on 75 years of State Pensions

In the 75 years since the inception of the State Pension, we’ve witnessed dramatic shifts in the workplace and significant strides towards gender equality. Yet, a stark reality remains: women are more likely than men to depend solely on the State Pension for their retirement income.

Immediate gains, long-term losses

The high price of halting pension contributions

In times of financial stress or uncertainty, it may be tempting to hit pause on your pension contributions. However, before you do so, it’s essential to understand the long-term implications this decision may have on your retirement savings plan.

Fixed-income investments

Providing significant value in a diversified investment portfolio

Fixed-income investments, often called bonds, offer a unique blend of benefits that can provide significant value in a diversified investment portfolio. They strike a balance between shares and cash regarding risk and return, offering a steady income stream. These are long-term investments sensitive to inflation and interest rates, with the possibility of capital loss.