In the end the Budget was a bit of a non-event, supplying immunity mostly to the better off. It’s really not a very bright idea to antagonise NHS doctors busy dealing with a global pandemic so higher earners (up to £200,000 a year) retain their £40,000 annual allowance.
The double pressures of an ageing population and low unemployment levels means the risk of a UK labour shortage in future is high. This is a major 'talent' issue for many small and medium sized business owners.
Less stress, more productivity. Lower costs, better long-term staff retention. The phased retirement benefits for SME employers are clear. But what is phased retirement, exactly?
Your cash savings are diligently accumulated and stored. But how hard are they working for you? Holding onto too much cash is sometimes described as ‘reckless caution’.
Diversify! It’s a mantra financial advisers often urge on us. Invest some money in UK shares but make sure you invest in Europe and the US too. Sprinkle a little in Japan and emerging markets perhaps. Not too much, mind.
Not every ‘green’ investment description means the same thing. But strip away the syntax clutter and three important ‘green’ categories – Ethical, ESG and Impact – step forward. We’ll take a careful look at each. By the end of this article you should feel clearer about which stripe of ‘green’ reflects your own investment values and goals best.
Trust in UK pensions, the UK finance industry and regulators has never been lower – and it’s dishearteningly easy to see why.
A quandary lurks at the heart of retirement planning. It hangs in the air, even when the conversation about long-term financial outcomes gets into its stride.