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For my part, I use a mix of ISAs and pensions. But I’ve begun to favour the latter with new money as I’ve inched closer to the age when you can access a private pension, and also as the old pensionconstraints were loosened. A tax-efficient investment strategy is not too taxing H...
Let’s say you’re in the market for a fixed-rate savings account. Now suppose that interest rates had just risen from 3% to 4%. There’s no way you’d pick the same 3% account you might have gone for yesterday. At least not without a heftybribecashback offer. Bonds on sale The d...
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The foundations of a properfinancial planare a realistic understanding of your financial goals, the time horizon you’ve got, the contributions you can make, the likely growth rates of the asset classes at your disposal, and your ability to withstand the pain it will take to get there. Among...