The future of retirement won't be a cliff-edge goodbye to work

Imagine a baby is born in Europe at the very moment you finish this article. That child can expect to live for two minutes longer than one born as you finish this sentence. Increasing lifespans threaten to topple the current pensions model. But, then again, maybe it’s time for a change. Global pension assets now stand at $45 trillion, equal to around half global GDP. But retirement is a recent concept. Germany introduced the first state-funded income in old age in 1889 for those over 70, at a...

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Top tips for first-time campers

Sleeping under the stars is an unforgettable experience. For some, the thought of camping is a scarier prospect than a visit to the dentist. However, with good advice and preparation, camping is extremely rewarding. There’s something special about embracing the great outdoors; being in touch with nature and enjoying the simple life. And we can help to make your first camping adventure a memorable one. These handy tips – some suggested by our social media followers – should...

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How to profit from demographics

Demographic trends promise something priceless. By observing the changing structure of a population’s age and income, patient investors who accurately forecast these slow-moving trends can benefit clients over the long term. In the near term, these societal changes can seem a little muddy, and subject to unpredictable influences. Recently, record levels of immigration boosted Germany’s workforce, changing its demographic make-up, while China reversed its one-child policy in a move aimed at...

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Top 5 tips to achieve your money goals in 2019

Make a plan for your money What are your money goals for this year? To give yourself the best chance at achieving them, your goals need to be SMART: specific, measurable, achievable, realistic and timely. Setting timely goals means giving yourself a timeframe to achieve them. With a SMART goal in mind, you now need to set up a plan for how you'll achieve it. For example, if you want to save $5,000 by the end of the year, work out how much you can allocate to that goal each pay day.  Start...

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