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Smart Money Sept 2018

Smart Money Sept 2018



As the poet and playwright Oscar Wilde once commented, ‘When I was young I thought that money was the most important thing in life; now that I am old I know that it is.’ And with these pertinent words in mind, inside this issue we look at a number of topics designed to keep you up to date and help you plan to meet any changes in your life and financial circumstances.

For most people over the age of 55, it is now possible to cash in or unlock all of your pension. How you take these benefits will depend on the type of scheme you have and how you want to take benefits. On page 6, we consider the concerns that have been raised that some savers may risk running out of cash if they siphon too much out of their pension pots.


Read Smart Money Newsletter - September 2018

For those looking to make the world a better place but not wanting to sacrifice returns or profits, impact investing aims to support a positive social or environmental impact, as well as looking to achieve compelling financial returns at the heart of sustainable investing. Turn to page 11 to read the full article.

Exactly how much you’ll need for a comfortable retirement will depend largely on your cost of living and lifestyle choices. For many people, retirement is about sun-soaked holidays, leisurely rounds of golf and that boat they’ve always coveted. On page 4, we look at why you may need to reassess your own situation.

Also inside this issue on page 12, the number of taxpaying pensioners has nearly doubled over the last two decades. With talk of also requiring pensioners to pay National Insurance on any earnings or even on pensions, the older population may start thinking of themselves as ‘Generation still taxed’.

A full list of the articles featured in this issue appears on page 2 – we hope you enjoy reading them.

We understand that professional advice on financial matters is invaluable to creating a durable wealth management plan for the future. To discuss or review any area of your financial plans, please contact us – we look forward to hearing from you.


By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There’s no wrong time to start thinking about pension consolidation, but you might find yourself thinking about it if you’re starting a new job or nearing retirement. Turn to page 12 to read the full article.

If you struggle to navigate the UK’s Inheritance Tax regime, you are not alone. Whether you are setting up your estate planning or sorting out the estate of a departed family member, the system can be hard to follow. On page 4, we look at how getting your planning wrong could also mean your family is faced with an unexpectedly high Inheritance Tax bill.

Forget the Lamborghini – 2.4 million UK grandparents have either raided their pension to support their grandchildren, or plan to in the future. On page 11, we look at research that shows a quarter of generous grandparents have already given away money to their grandchildren and have taken the funds from their pension.

A full list of the articles featured appears on Page 2 – we hope you enjoy this issue.

If you would like to discuss or review any area of your financial plans, whether or not we’ve featured the topic, please contact us – we look forward to hearing from you.

Read Smart Money Newsletter - Sept 2018





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