In our Economic Review of December – the Bank of England warns further interest rate reductions are likely to become a ‘closer call,’ analysts suggest uncertainty ahead of the Budget affected growth – negatively impacting both consumer and business spending levels – and retail conditions remain challenging.
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New research has shone a light on the extent of pension knowledge gaps among UK adults. A survey of more than 2,000 people* found 53% believed they are knowledgeable about pensions, but only 35% could correctly identify a defined benefit scheme and 34% understood what a defined contribution scheme is. Additionally, 20% are unaware of their own pension type and 57% do not realise that the government contributes to pensions through tax relief. While over half (55%) are unaware how their pension is invested, 81% of respondents haven’t altered their investment strategy, with a quarter citing it’s because they don’t know enough, or didn’t realise they could. Almost 70% of
Midlife can be demanding. Having moved onto – and, perhaps, up – the housing ladder, started a family and settled down, you would think you might have earned an easy ride. Yet midlife demands on your time and money can make you feel you are being pulled in a hundred different directions. Between supporting your family and saving for your retirement, there are many pressures on your life and finances… before even getting to spend your hard-earned gains on the things you want! The good news: it’s possible to strike a balance between spending and saving. Sort your savings A clear savings strategy is the bedrock of financial freedom. When
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