Sep 01 2018
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As the poet and playwright Oscar Wilde once commented, ‘When I was young I thought that money was the most important thing in life; now that I am old I know that it is.’ 

And with these pertinent words in mind, inside this issue we look at ways you can plan ahead to make sure your financial situation helps to prepare you for the changes in your life. 

For most people over the age of 55, it is now possible to cash in or unlock all of your pension. How you take these benefits will depend on the type of scheme you have and how you want to take benefits. We consider the concerns that have been raised that some savers may risk running out of cash if they siphon too much out of their pension pots. 

For those looking to make the world a better place but not wanting to sacrifice returns for profits, impact investing aims to support a positive social or environmental impact, as well as looking to achieve compelling financial returns at the heart of sustainable investing.

Exactly how much you’ll need for a comfortable retirement will depend largely on your cost of living and lifestyle choices. For many people, retirement is about sun-soaked holidays, leisurely rounds of golf and that boat they’ve always coveted. We look at why you need to reassess your own situation.

Also inside this issue, we report that the number of taxpaying pensioners has nearly doubled over the last two decades. With talk of pensioners also being required to pay National Insurance on any earnings or even pensions, the older population may start thinking of themselves as ‘Generation still taxed’.

To request a hard copy, contact marketing@fairstone.co.uk

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