Research published in April 2025 by the FTAdviser suggests that impact investment portfolios could be well-positioned to defy recessions. Read on to find out what impact investing is, and which characteristics could help deliver long-term returns. Impact investing aims to generate a positive social and environmental impact While impact investors still seek to secure a…
After more than five decades at the helm of Berkshire Hathaway, legendary investor Warren Buffett has announced he’s retiring at the age of 94. He’s credited with turning the failing textile maker into a successful holding company. In May 2025, the BBC estimated Berkshire Hathaway was worth $1.16 trillion (£870 billion). Considered by many to…
In April 2028, the age you can usually access your pension, known as the “normal minimum pension age” (NMPA), will rise from 55 to 57. So, if you hope to retire at 55, you might need to update your retirement plan. Even if your planned retirement date seems far away, creating a plan now could…
Trade tariffs continued to affect investment markets in June 2025, though uncertainty did start to ease. However, rising tensions in the Middle East may have affected the performance of your investments. Read on to find out more. Remember, it’s often wise to take a long-term view of your investments when reviewing returns, rather than focusing…
We seldom ponder our own mortality. ‘Life is for living’ and considering our own demise goes somewhat against human nature. That is presumably a reason why more than half of the adults in the UK do not have a Will in place. Now take a moment to reflect on what would happen if tomorrow morning…
At Clear Financial Advice, we know that life is full of uncertainty and, no matter how well you plan, there is always the chance that things won’t work out as you hoped. In everyday life you adapt to deal with the unexpected and move on, but what if circumstances mean that your plans for retirement…
At Clear Financial Advice, we frequently speak with new clients who own their own business, and it’s not uncommon for them to tell us that “my business is my pension”. Having spent years nurturing their business, working long hours, making sacrifices and shouldering the responsibility and uncertainty which running a business can bring, it’s a…
Millennials or “Generation Y” represent an increasing share of the workforce, expecting to exceed a third by 2020¹ This younger demographic (typically defined as anyone born between 1980-2000) requires targeted employee benefits. Most Millennials know they are likely to work longer than the generations before them (Generation X and Baby Boomers) with different motivations. So…
Recent changes announced by the government to the state pension will result in nearly six million people currently in their forties having to wait longer until they can retire. This is a development which has raised concerns over the dependability of the state pension. For many, the State Pension makes up the lion’s share of…
Two of the biggest concerns faced by workers when they reach their 50s and 60s are those of achieving job satisfaction and a work/life balance. Recent studies have offered fresh insight into the reasons behind these issues and the best ways to tackle them. One study conducted by economists at the University of Southern California…
