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25May

Now that you’ve got to grips with auto-enrolment, prepare for auto re-enrolment

Now that you’ve got to grips with auto-enrolment, prepare for auto re-enrolment
Auto-enrolment, the government initiative which made it compulsory for all businesses to enrol their employees in a pension scheme, celebrated its third anniversary last October. Whilst most employers have by this point got to grips with what they need to do to comply with auto-enrolment, those businesses that were some of the first to implement the initiative face a new challenge three years on: the first phase of automatic re-enrolment.

Posted in Tax, Financial Planning for Businesses

23May

Help To Buy vs Lifetime: Which ISA is best?

Help To Buy vs Lifetime: Which ISA is best?
Set to be introduced in April 2017, the Lifetime ISA essentially offers an alternative to the Help To Buy ISA. With two competing options on the table, it’s important to know which is best for you and your needs, as whilst they have some similarities, there are also key differences between the two.

Posted in Saving, Investments, Life Planning

24May

Don’t Worry, Be App-y: three great money-saving apps for your smartphone

Don’t Worry, Be App-y: three great money-saving apps for your smartphone

Apps have transformed the way you can do almost everything in life, from tracking your fitness regime to ordering a takeaway. For those interested in saving money, there are hundreds of finance-related apps out there, but it’s hard to know which of these will actually help you manage your hard-earned cash and which will just take up space on your smartphone. Have a look below to see three of the savings apps we reckon are actually worth using, all of which won’t cost you a penny to download.

Posted in Saving, Life Planning, Financial Planning for individuals/families

20May

The new state pension and how it will affect you

The new state pension and how it will affect you
The new single-tier state pension, also referred to as a ‘flat-rate’ pension, came into effect at the start of April this year. Whilst it makes the system simpler, as well as increasing the basic state pension from around £120 per week to a starting figure of £155 per week, the new system is not set to benefit everyone. To find out whether you’re one of the people who will be better off, one of those losing out, or someone who won’t be affected by the changes at all, read on.

Posted in Retirement Planning