Retirement Planning
-
Triple lock 2030: what changes for the State Pension, and what does not
Read more: Triple lock 2030: what changes for the State Pension, and what does notThe Prime Minister has said the triple lock stays unchanged until 2030 and is then adjusted. The State Pension would still rise every year by at least inflation or 2.5%, but it would stop pulling ahead of earnings after weak years for wages. How the new rule works, what it removes, and what is not…
-
The FCA wants your home to be a fourth pillar of retirement. What later life lending means before you borrow against it
Read more: The FCA wants your home to be a fourth pillar of retirement. What later life lending means before you borrow against itThe FCA says housing wealth should sit alongside the State Pension and workplace and personal pensions as a fourth source of retirement income, and that the market is not ready. What later life lending is, what it costs, what is changing and what to check first.
-
The State Pension is about to overtake the personal allowance. The government says you still will not pay.
Read more: The State Pension is about to overtake the personal allowance. The government says you still will not pay.From April 2027 the full new State Pension is on course to pass the frozen personal allowance for the first time. The government has promised that pensioners with no other income will not pay tax on it. The promise has a carve-out, and the figure is not final until October.
-
State Pension age 68: why there are two dates, seven years apart
Read more: State Pension age 68: why there are two dates, seven years apartThe law says the State Pension age reaches 68 between 2044 and 2046. The Office for Budget Responsibility builds its projections on 2037 to 2039. Only one of those is legislation, and the difference is about seven years of your retirement.
-
Is your old pension quietly underperforming? What the FCA’s 2026 legacy-pension review means
Read more: Is your old pension quietly underperforming? What the FCA’s 2026 legacy-pension review meansBy James Heppe-Smith · 3 July 2026 · 10 min read Educational, not advice. This article explains what the Financial Conduct Authority found in its 2026 review of older “legacy” pensions and savings, and how you can check your own. It is general information, not personal financial advice. Savvy Investor Guide is not authorised or…
-
The FCA’s new SIPP rules (CP26/20): what they mean for DIY pension investors
Read more: The FCA’s new SIPP rules (CP26/20): what they mean for DIY pension investorsThe FCA’s CP26/20 proposes tougher due-diligence and asset-protection rules for SIPP operators. Here is what the 2026 consultation means for DIY pension investors, and why it is happening now.
-
Trump Accounts have launched: the $1,000 newborn deposit and how they work (2026)
Read more: Trump Accounts have launched: the $1,000 newborn deposit and how they work (2026)Trump Accounts opened on 4 July 2026. Eligible US children born 2025 to 2028 receive a $1,000 government deposit; families can add up to $5,000 a year into low-cost index funds, and a new IRS safe harbor keeps most family gifts free of gift-tax paperwork. Since 1 October 2026 every eligible child has an account…
-
The Roth Conversion Ladder (2026): The Early-Retirement Tax Strategy, Step by Step
Read more: The Roth Conversion Ladder (2026): The Early-Retirement Tax Strategy, Step by StepThe Roth conversion ladder is the strategy that lets early retirees tap their retirement accounts years before age 59½ without the 10% penalty, while paying tax at their lowest-ever rates. Here is how the ladder works, the all-important 5-year rule, how to use the 2026 brackets and standard deduction to convert cheaply, the ACA and…
-
Why a 2026 Fed rate hike is now the base case: what May’s hot PCE means for US savers, borrowers and retirees
Read more: Why a 2026 Fed rate hike is now the base case: what May’s hot PCE means for US savers, borrowers and retireesMay core PCE hit a two-year high and made a 2026 Fed rate hike the base case. The Fed raised rates in September. What it means for US savers and borrowers.
-
Annuities in 2026: How They Work and Whether They’re Finally Worth It (UK)
Read more: Annuities in 2026: How They Work and Whether They’re Finally Worth It (UK)After years out in the cold, annuities are back: UK rates hit 18-year highs in 2026, letting a healthy 65-year-old turn a £100,000 pension into around £7,800 of guaranteed income for life. But an annuity is a permanent decision with real trade-offs against drawdown. Here is how annuities work in 2026, the types that matter,…
Subscribe
Sign up with your email address to receive our weekly news
Latest news
- UK house prices in October 2026: five indices, five different answers
- How to file a CFPB complaint in 2026, and what it can still achieve
- SEC Regulation Crypto Assets: what the proposed rules would mean for investors
- New government and your money: what has changed since July, and what has not
- Triple lock 2030: what changes for the State Pension, and what does not
Categories
- Backdoor Roth (1)
- Cryptocurrency (5)
- Expat Living & Lifestyle (1)
- General Blog (22)
- Index Funds (1)
- Investing Basics (6)
- Investment Guides (6)
- Investment Platforms (1)
- Investment Strategies (16)
- Investments (2)
- IRAs & Tax-Advantaged Accounts (13)
- ISAs and Pensions (7)
- Property Investment (8)
- Real Estate Investing (4)
- Retirement Planning (36)
- Tax Strategy (26)
- Tax-Efficient Investing (8)
- UK Investing (63)
- UK Property Investment (6)