Market Update – April 2025
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...
Client Communications
Yesterday, global stock markets endured their worst trading day since the 1987 crash. The FTSE 100 fell by 10% and the index has slumped by over 31% so far this year. Is this as bad as 2008? Certainly, the speed of the market adjustment is beginning to feel like the nadir of that crisis. However, ...
Pension transfer advice – what you really need to know
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 ...
How much do I need to save for retirement?
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...
How much do I need to retire?
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 ...