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Insights from the Charles James team
What Is An Annuity?
An annuity is a financial product that allows you to convert your pension savings into a guaranteed, fixed income for the rest of your life - often referred to as a secure income.
Choosing an annuity is a significant decision, as it is usually irreversible. That’s why it’s essential to fully understand how annuities work, the different types available, and the features they offer before making a commitment…
Financial Planning for Retirement
If your plans for the future have felt stalled recently, now might be the ideal time to revisit and reignite them…
The Importance of Nominating Your Beneficiaries
Deciding what happens to your pension when you die might not be front of mind, but if it is sorted it could give you peace of mind.
So, why is nominating your beneficiaries and keeping them up-to-date important?
The Three Main Ways To Access Your Pension Savings
Before you decide how you'd like to access your pension savings, it's important to take some time to understand all your options.
What are your retirement options?
Retirement Planning - How to Secure Your Future
Retirement is a significant life event that requires careful planning to ensure a financially secure and fulfilling future. Regardless of your situation, retirement planning shares common principles and steps that are essential for setting yourself up for success.
Here, we will explore the key factors and actionable strategies worth considering when planning for retirement.
4 Tax Efficient Investment Allowances You Need to Know
Last month we covered the government's plans for the biggest programme of tax rises since the 1970s. With this change, it's best to be prepared if you're looking for investment opportunities.
Here are the tax-efficient investment allowances that you need to know about…
Top 5 considerations when preparing for retirement
After years of hard work, the time has finally come to begin thinking about retirement and it pays to be prepared as retirement nears.
How has Coronavirius impacted the Economy?
The coronavirus outbreak has infected tens of thousands of people across the world, with UK cases increasing to over 300 in recent days. The rapid spread of the virus has left businesses around the world counting the cost.
Pensions: The Basics
Many people, especially young people, put off contributing into a pension as they just aren’t sure how and why they should. Here are the basics of pensions to help you maximise your retirement fund.
Government To Ban Unsolicited Pensions Calls
Following pressure from numerous groups, the government will ban cold calls relating to pensions as of this summer.
Pension Contributions Set To Rise
Millions of British workers will see their automatic pension contributions increase from April this year.
How Long Does The Triple-Lock Pension Have Left?
With the Government’s U-turn on scrapping Triple-Lock, just how long can the state pension policy last for?
How To Improve Pension Freedoms
It has been two years since pension freedoms were introduced, but there are still improvements that need to be made…
Auto-Enrolment Boosts Pension Numbers
Since 2012, workplace automatic enrolment for pensions has resulted in 4.4 million new savers.