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Waverton

Savings & Investments

Generation Xers Chronically Under-Saving

According to The International Longevity Centre UK (ILCUK) report, a substantial proportion of Generation Xers (those born between 1965 and 1980) in the UK face financial difficulty in retirement, with one in three expected to face significant disadvantages.. Many 40-55-year-olds are reluctant to invest because they are frustrated by various financial stresses, such as coping with fluctuating incomes and balancing conflicting goals…
Waverton
May 22, 2021
Pensions & Retirement

Pension Lifetime Allowance

If you’ve been diligently saving into a pension throughout your working life, you should be entitled to feel confident about your retirement. But, unfortunately, the best savers sometimes find themselves inadvertently breaching their pension lifetime allowance (LTA) and being charged an additional tax that erodes their savings. If you are a high-income earner or wealthy individual, you could be putting…
Waverton
May 16, 2021
FamilySavings & Investments

Combined Finances

Some couples may prefer to keep their finances separate, while others share everything. Whichever method you’ve chosen, when it comes to retirement saving, it’s worth planning together to ensure you’ve made the most of all the allowances and benefits offered to couples. Your golden years may ultimately be the best of your relationship if you understand each other’s future goals,…
Waverton
April 29, 2021
Protection

ISA Transfers

If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping them all in one place could give you better control and help you save money. There’s a common misconception that you can’t move your existing ISAs from one provider to another. Whether you have a Cash ISA or a Stocks & Shares ISA, it could…
Waverton
April 27, 2021
Waverton Wealth

Waverton Investment Management Acquires Cornerstone Asset Management LLP in Latest Exciting Development

Waverton acquires Scottish-based Cornerstone Asset Management Waverton Investment Management Group today announces that it has acquired wealth planner Cornerstone Asset Management (“Cornerstone”), subject to regulatory approval.  Established in July 2010 and with offices in Edinburgh and Glasgow, Cornerstone offers wealth management and financial planning advice.  With some 1000 clients, Cornerstone advises on £500m of Assets Under Management (AUM) and has…
Waverton
April 14, 2021
Pensions & Retirement

Retirement Finances

Six years on from pension freedoms, non-advised savers aged over 50 are facing a ticking time bomb at retirement, according to a new survey . 66% of those saving into a defined contribution pension and 58% of those who have already retired have either no firm plans or no plans at all for their retirement finances. This has translated into…
Waverton
April 13, 2021
Family

Generation COVID-19

The coronavirus (COVID-19) pandemic has led to more people supporting younger family members financially. New research shows that 5.5 million older family members expect to provide additional financial support to younger members as a direct result of the pandemic . Of these, 15% estimate they will provide an additional sum of £353 in financial aid. The most common reasons given…
Waverton
April 8, 2021
Protection

Critical Factor

What would life be like if you were diagnosed with a serious illness? Things could change very suddenly. You’d get your family together and tell them what was going on. Before long, you’d start spending time in hospital for treatment. You may also need to take some time off. It’s hard to know what the financial impact of all this…
Waverton
April 6, 2021
Budgeting & Financial habits

Inflation Beaters

With current interest rates on cash savings very low, it is difficult to achieve growth above the rate of inflation. And if the cost of living is rising faster than your savings are growing, you’re effectively losing money. With cash savings, a penny saved is a penny earned. But thanks to inflation, over time, the value of the penny saved…
Waverton
April 1, 2021
Pensions & Retirement

Passing on Pension Benefits

If you’ve spent a lifetime saving for retirement, you’d probably like any remaining money to go to a loved one after your death. But whether pension benefits are payable to a beneficiary, and how they’ll receive them, is dependent on the type of pension you’ve chosen and how you’ve accessed it in your retirement. Thanks to changes in the way…
Waverton
March 30, 2021

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