Posts By: S4 Financial

Do you have a financial safety net?

One in five self-employed and contract workers unable to survive a week without work

We’re a nation of entrepreneurs with a record number of self-employed people now working in the UK. The world of work has changed enormously over the past 20 years. Being self-employed, freelance or working on a contract basis has become the norm for all sorts of professions.

Tax savvy

Savers should think twice before using their pension to purchase property

From age 55, you have the flexibility to choose how you take money from your pension. But pension savers risk throwing away thousands of pounds of their hard earned savings if they use their pension to purchase a second property.

The power of diversification

Insulating your portfolio from any market uncertainty

Brexit is by no means the only cause of market volatility. Whether you believe Brexit will prove a blessing or a curse for the British economy, it’s important to insulate your portfolio from any market uncertainty.

Bullish millennials

Putting money to work earlier allows more time for savings to grow

Millennials are more bullish than any other generation about their retirement savings, a major new study has found[1]. But with time on their side, should they be doing more?

How do I plan for my retirement?

Self-employed business owners face unique challenges

Saving for retirement can be more challenging when you are self-employed, as there is no one to organise a pension for you and no employer making contributions on your behalf.

Mind the gap

Self-employed would back new laws to expand retirement savings

For the self-employed, even if the will to save for retirement is there, the way can be problematic.

Pension consolidation

Simplifying and maximising retirement benefits

The employment landscape has evolved significantly over the last few decades, and changing jobs multiple times before retirement is now very much the norm. As a result, many people often have multiple pensions set up, as they have been automatically enrolled into a new pension scheme each time they have started a new job.

Wealth uplift

Calculating the value of financial advice

Quantifying the value of financial advice has always been a challenge because people who receive financial advice have different characteristics to those who do not.

Retirement matters

There’s a lot to look forward to

In your 50s, it’s important to make retirement planning a priority if you haven’t done so already. At this age, retirement is no longer a distant concept, and time is short if your plans aren’t on track.