What is diversification?
Diversification is investment jargon for the well-known proverb: “don’t put all of your eggs in one basket”. While a well-diversified portfolio doesn’t give you guaranteed downside protection, it can help you maximise long-term growth potential. Since the values of different types of assets don’t always behave the same way or move in the same dire...

If you have a defined contribution pension, you can access your retirement savings in a variety of ways. One of those options is drawdown – a flexible approach for dipping into your savings when you need to. Read on to learn more about it.

What is drawdown?

Drawdown is the process of withdrawing a lump sum or a regular income directly from your pension fund, leaving the rest invested in your portfolio. There are some important tax implications to consider with drawdown.

You can access up to 25% of ...

Traditionally, the value of financial advice has been measured by monetary results of investment performance and returns. Today, the cost of living crisis is causing many to re-evaluate the benefits of financial advice.

These days, financial planning is about more than simply looking after your money and protecting your wealth. As well as helping you see results in pounds and pence growth, we can also help ensure you are prepared to meet the ch...

To help ensure a sustainable income, you first need to understand how much you’ll need to live on.

• On the go – during the early stages of retirement, there’s a strong likelihood that you’ll spend more on travel, hobbies, or home improvements
• Slowing down – while you may be slightly less active, you’re still busy with hobbies, but you may be less inclined to long-haul travel
• Coming to a stop – in later life, your mobility may be more limited, and you may require care.

Structurin...