Taxing times ahead

Taxing times ahead Don’t be penalised by the tax system when you exercise your freedoms The ‘pension freedom’ reforms of

Boosting investment returns

Boosting investment returns Out of adversity comes opportunity Under new Prime Minister Boris Johnson, the Government has toughened its stance

With-profits funds

With-profits funds Fewer ups and downs than investing directly in shares If you save regularly or invest a lump sum

Review your needs and goals

Review your needs and goals Take the time to think about what you really want from your investments You need

Visualise your future

Visualise your future Reaching a state of complete financial well-being Financial well-being ultimately comes from achieving financial security and independence.

Your future

Your future How to build wealth that stands the test of time Long-term investments tend to be less risky in

Goldilocks economy

Goldilocks economy How to prepare your portfolio for inflation Very low or very high inflation is damaging to the economy.

Wealth creation

Wealth creation Spreading risk by accessing different types of assets Investing for the long-term means persisting through market swings. History

Building a diverse portfolio

Building a diverse portfolio Time, patience and making informed decisions Making sense of today’s market headwinds and building a diverse