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  • The English Canals and the Drought | RetireEasy News
    of the lesser known effects of the lack of rainfall in England is the shortage of water on the inland waterways This has resulted in very low levels of water in the reservoirs that feed the canals These reservoirs were very low at the end of last summer and things have not improved over the winter Despite the low levels boaters should not panic British Waterways have put into place early restrictions on the opening hours of critical lock flights and have asked boaters to share locks where possible and to take general care of water resources With proper management and if boaters carefully choose routes that are not so badly affected by shortages it is possible for all to enjoy the canals and all they offer Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include all your additional savings

    Original URL path: https://www.retireeasy.co.uk/news/the-english-canals-and-the-drought (2016-04-27)
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  • We ‘Are’ Living Longer | RetireEasy News
    year are expected to live until at least 100 We hope the Royal Household is saving up for all those stamps but that is another story There were a number of other very interesting statistics in the ONS press release According to their research the number of centenarians has risen from 592 in 1961 to 12 000 in 2010 and a further increase to 455 000 centenarians by 2060 is expected The male female mix is also changing rapidly In 2010 there were 10000 female centenarians and 2000 males In 2060 it is predicted that there will be a much more even split with 276000 female and 179 000 male centenarians It is of course great news that we are living longer but this also highlights the challenges that we all must face in and approaching retirement age particularly the financial planning needed to ensure our capital and savings last for a much longer length of time Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement

    Original URL path: https://www.retireeasy.co.uk/news/we-are-living-longer (2016-04-27)
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  • The RetireEasy LifePlan now has some exciting and valuable new features. | RetireEasy News
    remaster Not yet retired You can now include all your additional savings investments and Pension Contributions between now and your retirement taking into account increasing these Additional Contributions year on year and stipulating whether these are one off or recurring contributions New useful charts There are now three additional charts further breaking down your assets and income The charts are My Home My Income Breakdown and My Expenses Summary of Input You can now review in one place all of the assumptions and values you have entered and print this summary to keep as an easy reminder Download your data in a spreadsheet You can now also download spreadsheets giving you the opportunity to view all of your entered information and your entire LifePlan in one glance Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include all your additional savings

    Original URL path: https://www.retireeasy.co.uk/news/the-retireeasy-lifeplan-now-has-some-exciting-and-valuable-new-features (2016-04-27)
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  • Retirement Planning with Fixed Term Annuities | RetireEasy News
    interest in Fixed Term annuities has risen sharply over the last year and this has led to more innovation in this sector which is good news for retirees Pioneers of Fixed Term annuity plans Living Time has re branded as Primetime Retirement and joined forces with Investec and will launch a new SIPP based Fixed Term Annuity plan in March This new product is backed by deposit based investments to deliver flexibility and a potential return for retirees Kim Lerche Thomsen CEO explains The conventional FTA model that we pioneered has a great number of advantages fixed income a guaranteed return and better death benefits than a traditional annuity The Primetime Retirement Plan we are now launching takes these features and wraps them within a SIPP to provide even greater flexibility Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include

    Original URL path: https://www.retireeasy.co.uk/news/retirement-planning-with-fixed-term-annuities (2016-04-27)
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  • As We Live Longer So Too Must Our Finances | RetireEasy News
    on your situation For instance the amount you owe can escalate with a lifetime mortgage as the interest is added to the amount you owe essentially meaning you are paying interest on interest Furthermore it is not always possible to transfer a scheme to a new home if you decide to move Although equity release might be the most effective option available for some enabling them to sustain a decent lifestyle in retirement it is vital those considering it have explored all other options There are a number of factors which are sometimes overlooked when it comes to planning for retirement Every single asset and outgoing should be assessed including pension entitlements investments endowments and savings Considering external factors such as inflation interest and Base Rate should also be taken into account Until we launched our LifePlan at RetireEasy co uk there was nothing available allowing the public to analyse everything effectively in one place there wasn t any way of knowing when your money would really run out and how you should react accordingly Many fear their liquid funds will run out before they do Our belief is that you need to be prepared for this eventuality and recognise it as soon as possible This will give retirees the opportunity to review their planning before it is too late People may be surprised to learn that by considering where and how assets can be adjusted you can rectify potential problems in the future For example some people may prefer to downsize their home or sell some assets rather than opting for equity release Technology and programmes like RetireEasy co uk can be instrumental in understanding your finances longevity and can also serve as a complementary tool for those who also employ an Independent Financial Advisor to give their IFA

    Original URL path: https://www.retireeasy.co.uk/news/as-we-live-longer-so-too-must-our-finances-2 (2016-04-27)
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  • Postponing retirement – making the most of ‘the new flexibility’ | RetireEasy News
    those who had been relying upon their 50s and 60s to top up their pension and savings pot Conversely the demise of the Default Retirement Age means that those in work now have far more say when they leave employment reaching retirement age no longer triggers an automatic process Moreover many enlightened employers recognise the value of retaining or even recruiting the experience of older workers not just to mentor younger employees but also because in many fields it s seen as a positive to be served or advised by someone with grey hair In many instances employees and employers are striking a mutally agreeable arrangement to work part time or slowly wind down the hours they work Certainly older women are finding their retirement age being postponed as retirement equality kicks in and the Government is keen to keep the figure rising for both sexes as a way to keep down Government spending 67 will soon be the new 65 for men and the new 60 for women How long must I work for Tellingly the DWP Government department responsible for developing new policies in this arena is called Redefining Retirement and in truth it appears to be the way we are heading as a society The bald fact is that many of us cannot afford to give up work entirely while many more not unreasonably feel entitled to keep their hand in This may involve having to reskill or explore new avenues to find employment but today s older generation is far healthier and more active so why not The dilemma for many is do I need to keep working in order to have enough to retire on and if so how much do I need to earn and for how long The sums are difficult to calculate

    Original URL path: https://www.retireeasy.co.uk/news/1postponing-retirement-%e2%80%93-making-the-most-of-%e2%80%98the-new-flexibility%e2%80%99 (2016-04-27)
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  • What lifestyle will you be able to afford in retirement? | RetireEasy News
    could be purchased for a few thousand pounds and whose annuities were negotiated at a time of relatively high interest rates These are the retirees you will probably bump into at the golf club or whiling away the winter in Spain Conversely of course there are millions of retirees at the other end of the scale who get by on a meagre State Pension topped up with means tested benefits But the majority are in between and trying to work out just how much they can afford to live on in the years ahead This group is particularly affected by the fact that despite being increasingly squeezed by rising costs having assets denies them access to the majority but not all of the top ups and benefits available to those at the bottom of the pile For them the real rate of inflation is well above the RPI experienced by the rest of the population because the cost of goods and services they spend most of their money on food fuel utilities have been soaring The majority of those with private pensions those not ravaged by incompetent or rogue providers have been adversely affected by the Government s decision to allow providers to peg annual rates at CPI rather than the faster moving RPI That on recent performance will make a difference of around 0 8 each year and have a significant cumulative effect over the years to come Drawdown plans and annuities Those taking out annuities now especially those that do not shop around for the best deals are finding rates painfully low while those on private pensions on drawdown plans are seeing rates cut by up to 40 when they come up for review Low base rates are great news for borrowers but savings are actually declining in value And if all that were not depressing enough many of those now entering retirement appear to be entering a new and even chillier era A recent poll conducted on behalf of Prudential showed that 35 per cent of workers in the UK have no pension at all According to the latest figures from the ONS 1 2 million workers have stopped paying into funds because they have lost faith in the system or have had to make economies Final salary pensions are fast becoming a thing of the past and there is a large slice of the population who have extended their mortage repayment period well into their 60s and even 70s often to help their children get their feet on the property ladder or to get them through college All of which adds up to a very volatile few years ahead with a large raft of people having a lot of uncertainty to deal with as they plan their retirement It can especially make a critical difference knowing when to retire This makes it absolutely essential for anyone approaching or in retirement to take independent financial advice even if it means paying fees to get that It also

    Original URL path: https://www.retireeasy.co.uk/news/what-lifestyle-will-you-be-able-to-afford-in-retirement (2016-04-27)
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  • Releasing the equity in your property to help fund retirement | RetireEasy News
    leading edge of price rises and falls in housing has been in positive territory since September 2009 according to the Land Registry All of us in or near retirement need to look very carefully at what capital we have locked up in our house because there may come a day when we need to make use of that Again according to the Land Registry the average price of property in London is 346 416 in comparison with the average for England and Wales of 163 049 no mean sum But how can you unlock that if push ever comes to shove The oft touted option of equity release can provide a quick and easy solution depending upon your age situation and the value of your home you can take out one of four main types 1 With a Lifetime Mortgage you borrow against the value of your home in return for a lump sum You retain ownership of your home until you die or go into care then that lump sum plus any interest accrued has to be repaid 2 With an Interest Only Lifetime Mortgage you keep up interest payments on the amount you borrow so reducing what you pay back at the end 3 A drawdown mortgage operates similarly to a Lifetime Mortgage but you only take out as much money as you need as you go along This can significantly reduce the interest that builds up 4 Home Reversion Plans allow you to sell part or all of your home in return for a lump sum You stay there making no payments until you die or move out Downsizing in retirement All of these come with a wealth warning in that inevitably you are paying interest for the privilege of borrowing money With the fourth option you are also taking a calculated risk on how long you will live Releasing small sums of money to enjoy a few luxuries can also prove over the years not inexpensive But as long as you take expert independent advice before you sign on the dotted line it s one way to go Downsizing is one option on many people s future agenda moving into a smaller property and releasing some of the equity There are costs attached moving home is never cheap especially if the property you move into is above 250 000 and attracts the higher rate of stamp duty But it can allow you to cut your outgoings and move closer to friends or family or to a location where you don t have to run a car One possibility is moving into a dedicated retirement property There are plenty to choose from around the country but they do vary enormously in what they offer from apartment blocks with a community lounge and a drop in manager through to delightfully appointed fully supported retirement villages Here you can start off in an independent living apartment with sports and leisure facilities on hand buy in care and domiciliary support

    Original URL path: https://www.retireeasy.co.uk/news/releasing-the-equity-in-your-property-to-help-fund-retirement (2016-04-27)
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web-archive-uk.com, 2017-12-18