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Insight Financial Associates

Early Retirement

Can you afford to retire early?

Early retirement – retiring any time before the state pension age of 66 – is the dream for many. The pandemic focused many people’s minds; making them think about what they want out of life – and for many in a position to make big changes, early retirement was the big one. The House of …

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Tax Relief On Pensions

Can I get tax relief on pension contributions?

If you’re paying into a pension scheme, you can get tax relief on your contributions, with money that would otherwise be paid in tax going into your pension pot instead. That can make a big difference when you’re saving for the future, and working to achieve the kind of lifestyle you want in retirement. The …

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Where Are Your Pensions

Do you know where your old pensions are?

It’s worryingly easy to lose track of old pensions, many of which will be worth considerable sums of money and could make a big difference to your retirement. But the fact is, a huge number of people are losing touch with these pots of cash as time passes. For example, many people will know that …

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Should I Consolidate My Pensions

Should I Consolidate My Pensions?

If, like many people, you’ve had several jobs throughout your working life, you’ll have picked up multiple workplace pensions. But these can be hard to keep track of, both in terms of how much you’re paying for them and how well they’re doing, so you might be thinking of consolidating your pensions into just one …

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Equity Release

Is Equity Release a Good Idea?

Early last month, City AM had a dramatic headline: ‘Cash-strapped homeowners turn their properties into personal cash machines.’ They reported that equity release was ‘booming’, with homeowners releasing a total of £4.8bn from their homes in 2021. Ten years previously, the amount released was just £790m with only two years out of the ten – …

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