The practicalities of property ownership

The practicalities of property ownership

Romance can make the world a brighter place but as any long-term couple will know, in day-to-day life there are a lot of practicalities to consider when it comes to making a relationship work.  One of these is considering how assets will be managed, in particular, who actually owns them and who pays for them.  A property is generally a huge asset, so it makes sense to give serious consideration to the formalities of its ownership.  Here are some common scenarios and points to consider with regards to each of them.

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Taking control of your retirement savings

Taking control of your retirement savings

If you are in a workplace pension scheme, then the mechanics of saving for a pension should be fairly straightforward in that you can make pension contributions directly from payroll. If you are not, then there are alternative ways of making pension savings, such as saving via private pensions. Even if you are in a workplace pension, it’s worth remembering that workplace pensions are just one vehicle for retirement savings.  You can save for your retirement in other ways as well as having a workplace pension. Whatever approach you take, there are five basic rules which can be applied to most, if not all, situations.

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How much investment risk can you handle?

How much investment risk can you handle?

In spite of all the media headlines surrounding the Bank of England’s decision to raise interest rates in August 2018, the fact was that the raise was only 0.25% and that it brought the base rate up to just 0.75%. Even assuming that banks passed on the rise in full to both savers and borrowers, it still isn’t exactly a huge gain for the former (although it could cause a lot of pain for the latter).  While there is often a case for keeping some cash savings easily accessible if only as an emergency fund, there is also often a case for risking some money in the stock market in the hope of much better returns.

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Property Market Review & Residential Property Review – March 2019

Property Market Review & Residential Property Review – March 2019

Welcome to the latest edition of the Property Market Review & Residential Property Review, these articles are designed to keep you informed about general updates in the housing market.

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