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Category Archives: Retirement Planning
WHERE THERE’S A WILL THERE’S A WAY
My British friend and his wife recently had mirror Wills drawn up after meeting a Will writer, they have told me the Wills states that if one of them dies in the surviving spouse has to go into a home, … Continue reading
THE RISING COST OF PARENTS
My parents are getting on a bit but recently my mother has been diagnosed with Alzheimer’s disease and I’m worried about the cost of being able to look after her as her condition worsens. How can I save for my … Continue reading
The “Ostrich Generation”
“I am 29 years old and about two years into my career as a trainee accountant and my parents keep going on about me starting to say to my retirement. I don’t earn a lot in there many years yet … Continue reading
STATE PENSIONS AND EXPATRIATES
I am British and I’ve been working in Bahrain for over 10 years but have not been contributing to my UK State Pension. I’m planning on being here another 10 years feel that the pension may no longer be available … Continue reading
RETIREMENT SAVINGS SUCCESS!
RETIREMENT SAVINGS SUCCESS! Having read some of your earlier columns I really feel but I have to take action on retirement savings. I’ve never saved a regular basis before, what you advise? As retirement nears many boomers are coming face-to-face … Continue reading
HOW DO I COPE WITH THE STOCK MARKET?
In your column I have read that I need to invest by savings for my future, I have little time or interest to study the stock market so how am I supposed to decide what to invest in to ensure … Continue reading
“Put money aside for urgent needs”
Q. I urgently need to secure some extra cash to pay for a host of unplanned needs in the coming months, which my accessible savings are not enough to cover. I know taking out a loan can incur high interest … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“Increase your Wealth – Take a Pay Cut!”
I never seem to have any money left to save at the end of the month, how will I ever build up some savings? Increase your Wealth – Take a Pay Cut! It may sound like a crazy notion to … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“How to deal with inflation risk in retirement”
I keep reading about how long people are living after retirement and wonder how on earth they manage to maintain a decent income throughout this time, what can I do? Â People often think of their pensions as a bit … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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“I need to start saving for my own old age. What should I do?”
Q. My father is nearing retirement and I have been helping him put his finances in order and it has made me realise that I need to start saving for my own old age. What should I do?  Sooner or … Continue reading
Posted in Retirement Planning
Tagged actuary, added years, annuity, AVC, best buy, cat mark, catmark, civil service pension, company pension, company pension scheme, department work pension, employee pension, final salary, final salary scheme, financial advice, financial planning, financial services, flexible pension, free-standing AVC, FSAVC, government pension, guaranteed annuities, guaranteed income, IFA, income, income drawdown, income in old age, independent financial adviser, inflation, inheritance, investment, low-cost, lump sum, maturity, money purchase, OAP, ombudsman, paid up, pay, pension, pension advice, pension fund, pension plan, pension scheme, pension top up, pension transfer, pension trustee, pensioner, personal pension, personal pension plan, planning for retirement, portable pension, probate, retirement, retirement income, s226 pension, salary, SERPS, stakeholder, stakeholder pension, state pension, tax-free cash lump sum, top performing, tracker, transfer, transfer penalties, trustee, uk personal finance, value for money, waiver of insurance benefits, watchdog, wealth, will, with-profits pension
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