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Given the Governmentâs recent introduction of Auto-Enrolment and the determination to see as many people as possible enrolled in company pension schemes, it was inevitable that they would also turn their attention to the state pension.
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It is estimated that 10.4 million over-65s give up 10 hours each per week typically, to volunteer to support their families or work locally within charities or in local communities. The combined efforts of this âvolunteer armyâ add up to 104 million hours of free work, worth ÂŁ643.8 million per week at the national minimum wage, according to Avivaâs Real Retirement Report.
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January 2013 is not a good time to spread gloom but a number of major players in investment and banking are quite downbeat about the possibility of an early UK economic recovery.
According to the investment bank Citi, interest rates will stay at rock bottom for another four years as the economy struggles to recover. Citi predicts that the Bank of England will leave interest rates at 0.5 per cent until mid-2017 â a year longer than expected â as it battles to restore the economy to health.
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Around 50% of us make New Yearâs Resolutions and âsort the finances outâ must be one of the most popular: but thatâs a little vague â itâs more a wish than a firm commitment to take action.
Looking at the January appointments weâve had with new and existing clients, here are the topics that weâve discussed most often. If youâre determined to sort out your finances, these may give you some food for thought.
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Natural catastrophes cause terrible loss of life and impose an ever-growing cost on governments and businesses. 2011 was the insurance industryâs most costly year on record for natural catastrophe claims, as a devastating sequence of catastrophes occurred across the globe.
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The risk-return trade-off is a concept that every investor should be familiar with. Stated simply, it means that to gain a higher potential return on an investment, you have to accept more risk.
Itâs also important to understand what those risks might be, like the risk of losing some of your capital, the risk of fluctuating returns, or the risk involved in holding cash in the bank as inflation eats away at the value of savings.
