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Time to bring your pensions together?

3.6 million Britons have lost track of their pension savings

The more old pensions you have, the easier it is to end up losing one. Tracing pensions from years ago can be a hassle. Over 3.6 million Britons admit they have no idea how many pensions they have and risk paying more in fees than necessary, according to new research[1].

Missing midlife workers

Redundancy pushes over-50s out of the workforce
The economic fallout from the coronavirus pandemic has made Britain’s workforce smaller, with a sharp rise in early retirement among older workers.

Mind the pension gender gap

Women are being urged to think about their long-term savings

Imagine reaching retirement age and discovering that, despite years of saving, you don’t have enough money to get by. Worse still, suppose you’re unable to pay for the right kind of care in your old age.

Across the generations

Pandemic forces people to reassess their finances

The COVID-19 pandemic has affected every part of our lives and continues to have a widespread impact across all aspects of financial life. This includes retirement plans. Life in lockdown prompted many people to adjust their priorities, for example, to move nearer to family, take staggered retirement or retire earlier.

The importance of financial protection 

Millions battling with financial hardship, relationship stress and sleepless nights

Fear, worry and stress are normal responses to perceived or real threats, and at times when we are faced with uncertainty or the unknown. So it is normal and understandable that people are experiencing fear in the context of the COVID-19 pandemic.

Could equity release fund your future?

Freeing up funds or releasing money tied up in your home

For some people, using their home in the future to fund their retirement is likely to become more commonplace, whether that’s by downsizing to free up funds or releasing money tied up in their home through products like lifetime mortgages.

Saving for a rainy day

What’s the right emergency fund amount for you?

An emergency fund is money you put aside to cover a financial shock. This could be losing your job, or a large, unexpected expense. Building an emergency fund can help prevent your needing to borrow money or make difficult financial decisions in those moments, by giving you savings to fall back on.

What’s your magic number?

Keeping up your current lifestyle and enjoying your golden years

People planning for retirement should think hard about what they want to do when they eventually stop work. It is helpful to have a good idea of the lifestyle you want, how much it will cost and how you are going to pay for it. 

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