Yield Curves Explained A yield curve is a line that plots yields (interest rates) of bonds having equal credit quality but differing maturity dates. The slope of the yield curve gives an idea of future interest rate changes and economic activity. There are three main types...
What is a paid up and what are my paid up options? A paid up is an old workplace pension that you are no longer paying into. If you’ve changed jobs a few times, and haven’t thought about combining your pensions, it’s likely you’ll have a...
Things to check before you transfer Do you have a defined benefit pension or a defined contribution pension? Pensions come in two different forms in the UK. Depending on where you’ve worked you’ll either have a defined contribution pension or a defined benefit pension. Most modern pensions are defined contribution pensions,...
Introducing The State Pension The State Pension is a regular pension payment from the government that most people can claim for when they reach State Pension age. Not everyone however will receive the same amount and how much you get depends on your National Insurance payment...
Myths & Facts – Investing & Developing an Investment Portfolio Investing means many different things to many different people – investment opportunities are varied and have a common perception as something for the financial elites with money to spare and expertise close to hand. Depending on...
Life Insurance Explained The primary aim of life protection is to support your loved ones in case anything happens to you. However, there is room for more. For example, you can use insurance to save up for your child’s education or add a little bit extra...
Investment Bonds Explained As you develop your financial portfolio, there are many types of investments available to you. In this article we will explore the investment bond and what benefits it can add to your medium to long term investment strategy. What is an Investment Bond? First of...
Inheritance Tax – A Guide When a loved one passes away, the last thing that we want to think of are the tax implications of their estate. Sadly, however this is a reality and in the paragraphs below we will try to explain the implications of...
IFA Fees Explained What Types of Fees will you Likely Encounter when Engaging an IFA? Whether you are looking for a full financial healthcheck to consolidate your finances, to re-evaluate your pension provision or to select a new financial product, there are a number of services that can be...
Gilts Explained There are many different types of investments that are available to the investor of today and one little known investment type is the Gilt. What is a Gilt? In short, Gilts are a sort of UK Government issued bond. A bond is a debt issued by a...