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Where can you get a 40% return on your money, guaranteed?

It’s investment time! Traditionally the period before the end of the tax year at the beginning of April is the season for everyone to top up their annual tax-free allowances. But with the stock market in the doldrums (guess why, begins with B) the prospect of shares isn’t very enticing. Wouldn’t it ...
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How much do I need to save for retirement?

Exactly how much to save into a pension is a common question that no-one seems to be able to answer. It all seems so far away, although as I veer closer to my 50th birthday it becomes a little more pressing than it was in my youth. I suppose the first number I need to think of is how much do I need ...
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How to find YOUR missing millions

The only thing of real value I’ve ever lost is my wedding ring. I vaguely remember taking it off – I think I was going to do something messy or involving noxious liquids – but I can’t find it. I’m sure one day it will turn up underneath the fridge or somewhere. And if it doesn’t, then it’s sad – but...
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Why you MUST put pensions first when divorcing

Divorce is undoubtedly painful, particularly if it becomes combative. So it is good news that the government is looking at introducing no fault divorces which should mean that splitting up becomes more civilised. So, fingers crossed that this bit of legislation goes through. I’ve never been divorced...
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Why YOU could be missing out on tax giveaways

Paying tax is annoying. Paying more tax than you need to is really annoying. Honestly, it’s easy to save tax: it’s usually a question of a quick emailed form. Here are some breaks you might not be claiming – and why you and your family should. 1. Granny’s own tax break . This is not a discount on We...
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How to track down your missing pension millions

There is a tonne of missing money sitting in forgotten pensions. If you do one money making thing this year, then you owe it to yourself to make sure you know where all your past pensions are. Research from Aegon found that while 64% of us have multiple pension pots, 22% (potentially more than 7 mil...
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Pensions: feel the fear and do it anyway

Until I hit my forties, I didn’t take pensions seriously. When I was young there was an element of resentment about my employer deducting my contributions every month – I could think of better uses for the money then. Now I’m just relieved that I was made to contribute, even though I’m in a closed d...
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Women get £47,000 less than men in pensions from employers

Here’s another shocker: not only are we struggling against the gender divide in our monthly pay packets but, as women, we’ll also have smaller pension pots than the opposite sex by retirement. In cold, hard figures, that equates to a shortfall of £47,000 compared to the guy at the desk next to you i...
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