Money Minder UK

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Saving for retirement

Saving for retirement

Tuesday, 26 September 2023 -

A decade-by-decade guide

Planning for retirement is essential to ensure you have the financial security to enjoy your golden years. As retirement can be a long way off, it’s essential to start saving for retirement as early as possible.

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The Gender Pension Gap issue

The Gender Pension Gap issue

Thursday, 21 September 2023 -

73% of women make only minimum pension contributions, compared to 58% of men

A significant difference in pension contributions between men and women has been revealed from a recent study[1], highlighting that women are more likely to pay the minimum required amount into their pensions under auto-enrolment.

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The importance of understanding tax-free pension withdrawals

The importance of understanding tax-free pension withdrawals

Tuesday, 19 September 2023 -

Many over 55s are unaware that they can access 25% of their pension pot tax-free

A surprising 43% of individuals over 55 need to be made aware that they can withdraw 25% of their pension pot tax-free, according to recent research[1]. Knowledge could lead to better decision-making when it comes to accessing pension savings.

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Using your inheritance effectively

Using your inheritance effectively

Thursday, 14 September 2023 -

Making informed decisions to managing the funds wisely

Inheriting wealth can be both a blessing and a challenge. It presents an opportunity to improve your financial security and accomplish your goals but it also involves managing the funds wisely. Cash flow modelling is essential to help you make informed decisions about using your inheritance effectively.

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Lump sum vs regular contributions!

Lump sum vs regular contributions!

Tuesday, 12 September 2023 -

Choosing the right pension payment strategy

When planning for your future, consider increasing your pension savings. But should you do this through a lump sum or by raising your regular contributions? In this article, we look at each option.

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Protecting your children and securing their future

Protecting your children and securing their future

Thursday, 07 September 2023 -

Our health, an invaluable asset, is often overlooked or taken for granted

As a parent, ensuring the well-being of your children is a top priority. From having open conversations with your partner to creating a Will, there are straightforward measures you can implement to provide them with the protection they deserve.

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How to invest after retirement

How to invest after retirement

Tuesday, 05 September 2023 -

Ensure your wealth is preserved for future generations

As you enter your golden years, the excitement of finally retiring may be tinged with some uncertainty. 

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Building a diversified portfolio

Building a diversified portfolio

Thursday, 31 August 2023 -

What is it, and why is it important?

Trusting that your investments are progressing toward your objectives is vital, allowing you to concentrate on the things you value most in life.

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Getting retirement ready

Getting retirement ready

Tuesday, 29 August 2023 -

Key steps to achieving a comfortable retirement

A comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it.

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Price of adulthood

Price of adulthood

Thursday, 24 August 2023 -

Financial responsibilities increase significantly after 25

Paying essentials like utilities and council tax becomes a reality as young adults transition from student life to the workforce. The reality of financial responsibilities often accompanies the excitement of newfound independence during one’s mid-twenties.

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Responsible asset selection

Responsible asset selection

Tuesday, 22 August 2023 -

Supporting responsible practices and contributing to a sustainable future

Environmental, Social, and Governance (ESG) investing is a strategy that focuses on companies that prioritise environmental, social, and governance factors in their operations. 

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Maximising your investments in your 50s

Maximising your investments in your 50s

Thursday, 17 August 2023 -

Time to evaluate whether you need to modify your objectives or saving strategies?

As you enter your 50s, retirement is no longer a distant dream but a rapidly approaching reality. Ensuring that your investments work diligently to secure the lifestyle you envision for your golden years is crucial. 

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Are we entering an investment bond renaissance?

Are we entering an investment bond renaissance?

Tuesday, 15 August 2023 -

Exploring why they are an attractive option to mass-affluent investors

Onshore investment bonds typically carry a lower risk and contribute significantly to a well-rounded portfolio. 

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Normal Minimum Pension Age update

Normal Minimum Pension Age update

Thursday, 10 August 2023 -

Essential information for your retirement planning

A significant change is on the horizon that may affect when you can access your pension money. We’ll guide you through this change and its potential implications, so you can confidently prepare for retirement.

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Time to give annuities another chance?

Time to give annuities another chance?

Tuesday, 01 August 2023 -

There is no hard and fast rule when it comes to deciding how to fund your retirement. It is important to be actively engaged in the process throughout your later life, as what may work well now may not be suitable for the future

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Please be aware these articles are for general information purposes only and correct at time of printing. We will not accept responsibility for any errors made or actions taken by any readers that have acted on the information contained. Answers given are for guidance only and specific advice should be taken before acting on any of the suggestions made. All information is based on our understanding of current tax practices, which are subject to change. Always remember when investing, past performance is not necessarily a guide to future performance and the value of some investment units can fall as well as rise.