Financial futures

How to become a nation of savvy savers and wise spenders

Charles McGready looks at the initiatives needed for the financial authorities to provide consumers with the support and guidance they require.

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How to use income drawdown to minimise tax

Since the pension freedoms which came into force in April 2015, income drawdown has proved to be a popular option for individuals who want greater control and freedom over how they access their pension savings.

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Accessing pension savings early due to ill-health: what are the options?

By Ed Monk

People with serious health problems may be able to access their pension savings early. Ed Monk, associate director for personal investing at Fidelity International, explains the options.

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When should I retire? Seven factors to consider

The right retirement age for you depends entirely on your own financial and personal circumstances. Here are seven factors to consider when approaching the end of work.

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Annuities can still be the best retirement choice – but you need to shop around

By Ed Monk

People are receiving more pensions information than ever before. But are they paying attention to it?

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The Lifetime Isa: looking good, but there’s room for improvement

Despite warnings from some quarters to the contrary, the Spring Budget made no change to the Lifetime Isa. This means the scheme will launch as planned in April at the start of the 2017/18 tax year.

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Is financial guidance a solution to one of the defining social problems of our age?

The chronic level of under-saving in the UK is now recognised as one of the defining social problems of our age.

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Brexit, Budgets and Savings: improving the financial resilience of the people

Improving the financial resilience of people so they are better placed to meet the demands of day-to-day life whilst at the same time saving and making provision for their future should be a key theme for the chancellor's Sprin

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Financial advice versus financial guidance: what's the difference?

Financial guidance is set to become more of a feature in 2017, as the government and regulator clarifies the distinction between it and financial advice.

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