Retirement matters
by libertas2019 on May 1, 2019
Freedoms to gain accessing your pension pot
Changes to pension rules introduced in 2015 mean you’ve now greater access to your pension. It might seem like a far off prospect but knowing how you can access your pension pot can help you understand how best to build for the future you want.
read moreCritical illness cover
by libertas2019 on May 1, 2019
Minimising the financial impact on you and your loved ones
What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some time off.
read moreBuilding a diverse portfolio
by libertas2019 on May 1, 2019
Time, patience and making informed decisions
Making sense of today’s market headwinds and building a diverse portfolio should be key priorities for all investors. Whether you have a lump sum to invest or want to invest regularly each month, it’s important to know your money is working hard for you.
read moreProtecting the value of your money
by libertas2019 on May 1, 2019
Don’t ignore the corrosive impact rising prices can have on your investments
Inflation is an economy-wide sustained trend of increasing prices from one year to the next. The rate of inflation is important as it represents the rate at which the real value of savings and an investment is eroded and the loss in spending power over time. Inflation also tells investors exactly how much of a return their investments need to make for them to maintain their standard of living.
read morePrivate medical insurance
by libertas2019 on May 1, 2019
Healthcare when you need it
Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time. Private medical insurance (often also referred to as ‘health insurance’) is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment.
read moreTerm life insurance
by libertas2019 on May 1, 2019
One of the pillars of financial protection
With term life insurance, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. This can range from as few as five to as many as 30 years, but a typical period for a term policy is ten years.
read moreFreetirees
by libertas2019 on May 1, 2019
Pension freedoms usher in a new generation
The introduction of pension freedoms has been a huge enabler for over 55s, allowing millions to draw income from their pensions flexibly. Pension freedoms offer the opportunity to transition into retirement by continuing to work with reduced hours beyond traditional retirement age.
read moreMaking a Will
by libertas2019 on May 1, 2019
Continuing your support long into the future
We spend our lives working to provide for ourselves and our loved ones. You may have a house or flat (in the UK or overseas), shares, savings, and investments, as well as your personal possessions. All of these assets are your ‘estate’. Making a Will ensures that when you die, your estate is shared according to your wishes.
read moreGreen light for new type of home loan
by libertas2019 on May 1, 2019
Product choice broadened in the later life lending sector
In an effort to broaden product choice in the later life lending sector, the Financial Conduct Authority now treats Retirement Interest Only (RIO) mortgages as standard mortgages, instead of being regulated under Equity Release rules. This factor, among others, has resulted in several lenders adding RIO mortgages to their offering.
read moreDisclaimer: The information provided in our website blogs is accurate and up-to-date at the time of writing. However, please be aware that legislative changes and updates may occur after the publication date, which could potentially impact the accuracy of the information provided. We encourage readers to verify the current status of laws, regulations, and guidelines relevant to their specific circumstances. We do not assume any responsibility for inaccuracies or omissions that may arise due to changes in legislation or other factors beyond our control.
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