HBD Blog

Knowing how much you’ll receive is vital for planning your future finances The State Pension age is set to rise to 67 by 2028, followed by a subsequent rise to 68 between 2044 and 2046. However, there is currently a review being conducted to determine the...

Alleviate any fear and uncertainty you might have about your financial future No matter what stage of life you’re in, it’s never too early or late to start planning for your retirement. By taking a personalised approach, you can develop a retirement plan that will...

Almost one in three over-55s’ mortgage repayment plans derailed The cost of living crisis is a concerning and long-term problem for those trying to pay off their mortgage, especially over-55s who are already having difficulty saving enough for retirement. Higher...

Protecting your assets and preparing you for going forward on your own Divorce involves many loose ends, both emotional and financial. It can generate high levels of uncertainty and financial stress, as it impacts on all areas of your life, from living arrangements to...

Reducing the risk of investing in volatile markets Cost averaging, or pound cost averaging, is an investment approach that involves dividing up the total amount to be invested into equal amounts and investing these at regular intervals over a period of time. This...

Rising prices add almost 20% to ‘minimum’ cost of retirement Despite the slow economic recovery, many retirees trying to maintain a basic standard of living have seen the cost of their lifestyle increase by nearly 20% over the past year, according to a new report[1]....

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age Four in five workers (16 million people) are not saving at levels which are likely to deliver an acceptable standard of living in retirement,...

Millions want to stick with lockdown lifestyle changes The COVID-19 pandemic has been incredibly difficult for everyone and made a huge impact on the lives, personal finances and jobs of millions of people. The restrictions introduced during the pandemic were forced...

How to take less risk when investing There are a number of strategies that individual investors can use to take less risk when investing. Diversification is one approach that can help to mitigate the effects of volatility in any one particular asset class....