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Point of View

March & April 2016

28 April 2016

What we can all learn from the recent BHS misfortune…

Are we all guilty of a little ‘BHS Syndrome’?

Read more in this week's Point of View

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21 April 2016

The vital role of financial advice in a “new era” of retirement planning

Have you given your retirement options much thought? Take a look here…

Are we heading for a crisis that could leave millions of people without enough to live on during retirement?

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14 April 2016

Don’t confuse Panama with efficient tax planning

Read our top tips for tax efficient financial planning

Tax-efficient investments; It's not just ISAs that offer tax breaks. Find out more here

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07 April 2016

1st April ‘national price hike day'

A valuable inflation lesson for those about to retire

The cost of living has increased, do you know how this will affect you?

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31 March 2016

Brexit: investors should prepare for UK stock market volatility

What would a Brexit mean for the UK?

Read more in this week's Point of View

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24 March 2016

Just a few days left to arrange your ISA

There are just a few days left before the 5th April deadline to arrange your 2015/16 ISA

Here are our reasons why we expect to see more ISAs purchased than ever before

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11 March 2016

1.5 million over-60s are still “unprepared” for retirement

Our research looks into this further…

Are you prepared for retirement? Our new findings have found that an alarming number aren’t.

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03 March 2016

Budget predictions; stop tinkering with our pension system Osborne!

Read our budget predictions here

What changes will Osborne make in his next budget? Read on here

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January & February 2016

26 February 2016

Rise in National Living Wage Affects Us All

When the government introduce a new mandatory national living wage for workers aged 25 and above.

Read more about these changes due to commence in April

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19 February 2016

New tapered Annual Allowance

Why high earners should review their pension contributions now

Read our guide on why high earners should review their pension contributions now.

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12 February 2016

If you are leaving the buy-to-let market, where do you then put the cash?

Thinking about your investment options? Read our guide here

500,000 buy-to-let properties to be sold in the next 12 months; where do you put the cash? Read more here.

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04 February 2016

Osborne could cut pension tax relief in the March budget

High rate tax payers should act now.

Read on to see how changes may affect you if Osborne cuts pension tax relief in the March budget

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29 January 2016

31st January deadline - time to declare the profit from your investments

Are you ready for Self-Assessment tax return deadline? Read on here

Read more here about the 31st January deadline - time to declare the profit from your investments.

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22 January 2016

Celebrity deaths; a timely reminder of the frailties of life

Celebrity deaths; a timely reminder of the frailties of life, read on here…

Thinking about gifting? Read more here about how a financial adviser can help you.

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14 January 2016

A volatile start to 2016; is now a good time to invest?

Thinking about your investments? Read more here.

A volatile start to 2016; is now a good time to invest? Read more here

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04 January 2016

New Year, New Plans and a Better Financial Future

Read the 3 New Year resolutions you should set for this year.

Have you set your financial goals for the year ahead? Read on here.

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November & December 2015

10 December 2015

A little advice can go a long way

A little advice can go a long way, find out how a financial adviser can help you.

A little advice can go a long way. Are your finances in order? Read on to find out how a financial #adviser can help you.

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03 December 2015

Get to Grips with Inheritance Tax Planning this Christmas

The season is upon us, read our top tips if you’re thinking about gifting money this Christmas.

Christmas is an opportunity to enjoy giving special gifts, have you considered gifting money this Christmas? Read our top tips here.

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26 November 2015

Autumn Statement; pensions escape unscathed

Take a look at our easy to read guide of this year’s Autumn Statement

How has the Autumn Statement affected you? Read our full summary here to find out more

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20 November 2015

How to divide your wealth when you divorce in retirement

Read our six tips on dividing your wealth when you divorce in retirement.

Do you know someone who is entering retirement and going through a divorce? Read our six tips on how we can help.

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12 November 2015

Do I really need financial advice at retirement?

Do I really need financial advice at retirement? Read our guide here on why you should.

Not planning to take advice at retirement? Here’s why you should think again.

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05 November 2015

Do you know the dangers of not having a Will?

Do you have your Will in place? Read on here to find out why you should.

58% of the UK’s adult population have not yet written a Will. Do you know the dangers of not having a Will? Read more here.

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September & October 2015

29 October 2015

Why your financial adviser is talking about old age and mental health…

Thinking ahead to the future with your wealth planning? Read more here

Are your finances in place for the future? Read on here to find out more about appointing a Lasting Power of Attorney.

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22 October 2015

Should you seize the opportunity to top up your state pension?

Should you seize the opportunity to top up your state pension? Read more here.

Thinking about your retirement options? Read more here.

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19 October 2015

Raising a family, are you financially ready?

Thinking about starting a family? Are you ready for the financial costs? Read more here.

Thinking about starting a family? Are you ready for the financial costs? Read more here.

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08 October 2015

It’s time to talk about the ‘what if’

It’s time to talk about critical illness cover, read more here.

There are a great many 'what ifs' in life. Protecting your family is all about peace of mind. Read more about critical illness cover here.

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02 October 2015

VW and Audi; shame and falling share prices

Read on to find out more about managing your money

Volkswagen and Audi: two brands (one company) caught up in the emissions scandal, causing damage to their corporate reputations and the VW share price to tumble...

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25 September 2015

Give your pension a health check

To help ensure your savings are in the best possible condition

To help ensure your savings are in the best possible condition when you reach the point you want to access your cash.

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17 September 2015

Are you prepared for funding your future?

Are you prepared for funding your future? Read our top tips here

Not sure if you’re on track with your pension planning? Find out what a good financial adviser can do for you.

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11 September 2015

The school bell has rung; the costs have begun

Read our 5 top tips for planning your child’s future here.

Are you financially ready for funding your child’s future? Read our 5 top tips for planning ahead here.

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03 September 2015

Why investors’ eyes are fixed on China

Read our 5 top tips for managing investment risk

This week the attention of investors has been firmly fixed on China. Read our 5 top tips for managing investment risk

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July & August 2015

27 August 2015

Holidays are for dreaming

Post-holiday Blues? Read our top tips for keeping the dreams alive

Read our guide to keeping the holiday dreams alive

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19 August 2015

Are you thinking about your children’s education?

Have you thought about saving for your children's education?

Have you factored in the full costs of paying for your children's education? Read more here

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12 August 2015

Financial planning in your fifties sixties and seventies

Read our guide for financial planning in your 50’s, 60’s and 70’s here

It’s easy to assume that all the major changes in life like establishing a career, marriage and having a family, take place before your fifties, but these are increasingly stretching into later decades. Read our guide on financial planning in your later years here.

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05 August 2015

Financial planning in your twenties thirties and forties

Read our guide for financial planning in your 20’s, 30’s and 40’s here

Financial planning in the early stages of your life is something that is often overlooked and neglected, read our guide on financially preparing for the future.

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30 July 2015

Six Tips When You Are 5 Years Away From Retirement

Are you approaching retirement?

Read our article for when you are 5 years away from retirement.

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23 July 2015

Getting your first mortgage

Getting your first mortgage needs careful planning and preparation in order to consider all of the options available

Often one of the biggest decisions you will ever make, here are our tips to improving your position as a prospective borrower.

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16 July 2015

Summer is here; but the seasons can play havoc with our wealth

For many self-employed and seasonal workers the summer months bring financial highs.

Here are our five tips for financial planning when your income fluctuates.

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02 July 2015

The future does not take care of itself

Are you financially prepared for the future?

Read our 5 tips on how to financially plan for the future here.

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May & June 2015

27 May 2015

The Importance of Having Goals

Read our article of the importance of setting goals.

If goals are so important why do so few people have them? We look at how important it is to set some life goals.

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24 June 2015

Over 55s shun free government pensions guidance service

Despite admitting their savings for retirement will not be enough

Only one in five people (20%) aged over 55 will take up government guidance to help them in retirement, based on our recent study in partnership with OnePoll

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12 May 2015

When a family grows it's time to revisit financial plans

Are your finances in place for you and your family?

When a new baby arrives, there is often more to do than just coping with sleepless nights. In many cases, the family’s financial planning arrangements need to reflect the new and increased responsibilities.

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05 May 2015

The General Election

Sanlam's Rick Eling looks at the policies of political parties

So what have the Greens, Labour, the Liberal Democrats, the Conservatives and UKIP offered pensioners, people near retirement, and those in the care system?

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16 June 2015

Why delay arranging your new ISA?

Are you making the most of your ISA allowance?

We are already 2 months into this tax year, but are you delaying saving into your ISA?

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11 June 2015

Still confused about your pension options?

Read our guide about your pension options

Many people are still understandably unclear about the changes and the tax implications of accessing their pension savings. Read our guide about your pension options.

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04 June 2015

Prevention is better than cure

Are your finances in place in case the unexpected where to happen?

At Sanlam we believe that prevention is better than cure which is why we have come up with six tips on protecting you and your family.

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March & April 2015

12 March 2015

It’s time your money started working harder

The countdown has begun to the end of the 2014/15 tax year

The countdown has begun to the end of the 2014/15 tax year and this is always a good time to review all of the savings and investments you hold.

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23 April 2015

Over 55's: Potential tax bombshell

Majority of over 55s are oblivious to a tax bombshell when reaching for their pension pots

Nearly nine in 10 (85%) of over 55s are unaware they will face an income tax bill when taking out a cash lump sum under the new pension freedom rules introduced by the Government, according to new research from Sanlam in partnership with OnePoll.

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02 April 2015

The New Marriage Allowance

More than four million couples could be better off when the new Marriage Allowance is unveiled on 6th April.

The new allowance will allow those who earn a low or no income to pass on a proportion of their unused personal allowance to their more heavily taxed marital or civil partners.

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26 March 2015

Investing for retirement

Investing for retirement; do you choose ISAs or a pension?

Investing for retirement; do you choose ISAs or a pension? Which way do you go? There is no easy answer….

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06 March 2015

Time to act; the ISA countdown has begun

Now is the time to take advantage of the ISA and NISAs allowances for 2014/15

Now is the time to take advantage of the ISA and NISAs allowances for 2014/15 before they expire at midnight on the 5th April.

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January & February 2015

26 February 2015

We need to talk...

And change the way we talk about retirement.

Are you thinking enough about your retirement?

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20 February 2015

Financial Planning: Do you invest time or money?

How a Wealth Planner can help...

A Wealth Planner, just like a trusted car mechanic or plumber, plays an important role in helping clients to better manage their wealth and to plan effectively for their future.

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12 February 2015

Your new 'flexible friend' in retirement

Find out about our new flexi-drawdown facility

From April 2015, those aged 55 and over will be able to withdraw funds from their pension, almost as easily as if it were a bank account. The name of this new way of accessing pension money will soon become familiar: it is called flexi-drawdown.

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05 February 2015

Use your NISA allowance now before you lose it

Not long to go, make sure you use your NISA allowance

6th April 2015 signifies a new tax year and with it provides a fresh NISA (New Individual Savings Account) allowance for UK citizens, allowing us to save and/or invest up to £15,240 tax efficiently in 2015/16.

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22 January 2015

The real cost of divorce

Are your finances in place if the unexpected were to happen

Are your finances in place if the unexpected were to happen

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15 January 2015

How to avoid blowing your pension under new freedom rules

Are you ready for the changes to pensions?

Are you ready for the changes to pensions?

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06 January 2015

New Year, New Plans and a Better Financial Future

How to stick to your New Year's resolutions

How to stick to your New Year's resolutions

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Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.