Insights

Don’t rely on gut instinct for your retirement needs

Don’t leave retirement to chance. One in six rely on gut instinct to plan later life, yet nearly half fear running out of money. With so many unknowns, planning is key. Get clarity now to secure the lifestyle you want later. 

What are the biggest homebuyer concerns?

Buying a home is an exciting time, but it comes with stresses. The leasehold system is the fastest-growing cause for concern among homebuyers. Affordability is the main source of worry, with Stamp Duty and house prices cited as key challenges. 

Choosing the right life insurance – joint, dual or individual cover?

Joint life insurance may seem like the easy choice, but it only pays out once and can complicate things if your relationship ends. Dual life insurance cover is an alternative to individual and joint policies. We can help evaluate the different life insurance options. 

Supporting generations – helping family without compromising your financial future 

More high earners are financially supporting both their children and parents, with many adjusting their financial plans to accommodate family support. Balancing generosity with long-term security is vital; careful planning helps you support family without compromising your own future. 

News in Review

The latest data from Halifax shows that house prices decreased by 0.3% month-on-month in September, following an increase of 0.2% in August. Meanwhile, the annual growth rate eased from 2.0% to 1.3%, the slowest rate since April 2024.

Your relationship with risk: time to reassess?

It's natural for your appetite for risk to change. it's important to distinguish between risk tolerance (how much risk feels comfortable) and risk capacity (how much risk you can afford based on your goals and circumstances). Good advice balances both. 

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