If you had a defined contribution (DC) or “pot of money” type pension prior to the introduction of Pension Freedoms in 2015, you generally had to use the money to buy an annuity paying a guaranteed income for life. That route provided security and peace of mind. However, annuities are inflexible, provide poor value (£100,000
We’ve all self-prescribed a healthy dose of retail therapy. And there’s definitely been a time when we’ve dipped into our rainy day funds when there’s nothing but clear skies. But there’s a whole other side of spending we need to talk more about: FOMO spending. FOMO is nothing new in finance. We’ve seen it before
Imagine an investor walking into your office for the first time. After a short exchange of pleasantries and introductions, you go through your standard conversation-starter questions. Then, in some form or another, you explain to the client the services you offer, hoping to convince the client to hire you. According to our research, how you
In early 2022, the National Apprenticeship Office was created by the Department of Further and Higher Education, Research, Innovation and Science. Its aim is a simple one; create a nationwide platform to facilitate a talent pipeline that mutually benefits jobseekers and business owners alike. Although almost 26,000 apprentices are currently employed by 9,000 employers, the
