Most people work hard throughout their career with the aim of being able to enjoy a comfortable retirement and if everything goes according to plan then maybe retire a few years earlier than the state pension age. However, nothing is straight forward and life is full of surprises, some pleasant and others not so. The current economic crisis couldn’t have been predicted when workers approaching ...

Today I am going to be discussing the importance of having a retirement plan in place. There are many questions that surround retirement plans such as; “Will I end up running out of money? Will I even be able to retire when I would like to? Is there any way to be sure of having the retirement I want?” Well…Today I am going to try and answer a few of those questions for you!

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Being self-employed sounds attractive and there are several advantages when compared with working for someone else, such as greater flexibility with your working hours and not being answerable to anybody. However, there are also disadvantages, one of which is the fact that pension payments are solely down to you. There is no employer contributing to your pension pot, so in simple terms, if you ...