Savings behaviour

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UK pension system is sustainable but inadequate

It’s been estimated that 18% of earnings need to be saved each year to achieve an adequate income during retirement, an International Longevity Centre (ILC) report has concluded.

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Wealth generation

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Are you getting tax-efficiencies on the gains you make from the money you invest?

Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). If you’re looking to grow your money over many years – perhaps to fund a dream purchase or help you in retirement – cash might not be the right option, especially when the interest rates on Cash ISAs are near all-time lows.

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UK pension savings gap

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The need for a greater awareness of what must be saved today

If savers want a particular standard of living at retirement, then they will need a greater awareness of what must be saved today.

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Gender income gap

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Minimising the impact on your retirement income

The gap between women’s and men’s annual average expected retirement incomes in 2017 has grown by £1,000 in the last year, according to new research[1].

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Navigating market volatility

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Protecting your portfolio from the ups and downs of investing

No particular investment consistently outperforms other investments. One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’.

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