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October Market Commentary

Introduction September was the month when nothing much happened on the world’s stock markets. Three of the 11 major markets on which we report were up, three were unchanged and five were down – but none of them by very much. The UK led the way, albeit only up 2%, while Japan and China were […]

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Why Directors and Business Owners Fail to Plan their Retirement

Company directors and owners of SMEs make plans and do forecasts all the time. Cash flow forecasts, SWOT analyses, plans for renewals and refurbishment; there’s hardly a day when they’re not eyeball to eyeball with a spreadsheet. So why do so many of them fail to plan their own retirements properly? In our experience company […]

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What now for pensions policy?

Whilst pension freedoms still feel like a recent development for many, they have now been in place for some seventeen months since their introduction in April 2015. That’s beginning to feel like a remarkably long time ago as few further announcements on pension reform have been made for some time. With the arrival of Theresa […]

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Understanding pensions – what is drawdown?

Drawdown is a way of achieving greater flexibility with your pension funds. Every time you move your money into drawdown, you’re allowed to take 25% of this as a lump sum, which is exempt from tax. The rest continues as an investment, with taxable income able to be drawn straight from your pension whenever you […]

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