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Events & Macro Environment Donald Trump has once again dominated investors’ attention over the past three months. The Trump-centric excitement of Q4 has quickly given way to apprehension in Q1, with bond and equity markets experiencing successive sell-offs. Investors are increasingly anxio...

To transfer or not? Changes to legislation over the last few years have made it possible to transfer value from defined benefit schemes – commonly known as final salary schemes – into other personal pension arrangements. That choice begs the question: ‘Just because I can, should I – How ...

This is one of the most common questions in the world of pensions, and unfortunately it is one which has no simple answer. The amount we need to save is different for everyone and it will depend, amongst other things, on the following: What type of retirement are you planning – what income will yo...

In our experience many people overestimate how much they’ll need to live on in retirement, thinking they need to match their previous salary when working, but conversely actually underestimate how long they will live and how much of a pension ‘pot’ or (accumulated pension savings) is required ...

The Treasury Minister’s Budget of the 20th February, announced a number of changes to the treatment of Isle of Man Pensions and the introduction of the widely anticipated pension flexibilities via the new Pension Freedom Scheme, available from 6th April 2018. Headline Changes By way of a quick sum...

In a move away from our recent focus on exploring and understanding an individual’s pension journey, we would like to concentrate this article on the recent news announced in the Treasury Minister’s Budget of the 20th February relating to Isle of Man Pensions and the new flexibilities and freedo...

Continuing our ongoing pension theme, which we have developed through a number of articles during 2017, we thought that on this occasion, we should perhaps take a look at what all these decades of potentially saving, in preparation for a comfortable retirement will actually mean. Life expectancy Dur...

What’s been happening? In our articles so far, we’ve mostly been looking at the issues for members of pension schemes who might be considering a transfer out of a defined benefit scheme.  In this piece, we thought it might be useful to look back at some of key findings following implementat...

Why are values so high? In our last article, we discussed the hot topic of transfers out of defined benefit pensions – sometimes known as final salary schemes – and we’re going to continue with that theme this month. One particular point which is generating interest in pension transfers is the...