Discussing downsizing

Discussing downsizing

In principle, downsizing in retirement, after any children have flown the nest, is often the most financially-sensible option for many people.  As is so often the case in life, however, there can be a very wide gap between financial theory and real-world practice.  Where people are under no financial pressure to downsize, the convenience of staying put can be very attractive. 

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The pay gap continues in retirement

The pay gap continues in retirement

The UK media recently had something of a reporting frenzy when companies with more than 250 employees were forced to reveal their pay data split by gender.  Many well-known names revealed that men were paid more than women, in some cases to a significant degree. 

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Pension Death Benefits

Pension Death Benefits

The importance of saving for retirement has been really driven home over recent years, particularly with the auto-enrolment campaign (“We’re all in”). Here is a quick look at the four types of pension and what happens to them upon the holder’s death.

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Stop Your Pension Becoming Overly Taxing

Stop Your Pension Becoming Overly Taxing

Managing your money in a tax-efficient manner is generally to be recommended at any stage in life, but it’s arguably most important for pensioners, who need to make the income they’ve earned during their working years, last them all of the rest of their days, literally.  Over recent years, the government has permitted greater flexibility with regard to how people can manage their pension, however greater freedom brings with it a greater degree of responsibility for people to understand what their options are and what they mean in practical terms.

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