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Financial planning for DIY investors

If you have resolved to sort out your finances this New Year, help is at hand. When it comes to financial planning good intentions can quickly become mired in seemingly imponderable, improbable or far-off eventualities like retirement, death, unemployment and illness. It does not have to be that way. Our guide for DIY investors will point you in the right direction with simple, effective strategies whether you intend to go it alone or seek the help of a good financial adviser.





The truth about pensions maths
Peter Temple

Pensions planning is brutal. Start at 20 and you'll need to save around £600pm to get £35,000pa. Leave it until 40 and it's around £1,100pm. But unless you're a civil servant, the alternatives aren't great.


EZ asset allocation
Ceri Jones

Could Guaranteed Equity Bonds replace shares and bonds as a mainstay of financial planning? Ceri Jones investigates a product gaining respectability.


Eight things to plan for
Faith Glasgow

You can't cheat death, illness and the shocking expense of children, but you can plan for them. Faith Glasgow introduces our checklist of essentials for any DIY financial planner.


How NOT to plan your finances
Ceri Jones

From thinking you can choose when you retire to mistaking geographic variety for asset diversification, learn how to avoid the common pitfalls of financial planning.


Planning to beat inheritance tax
Peter Temple

If you don't plan ahead, the government will take 40% of your
estate over £275,000. Motive enough to reduce your liability with IHT-free investing and by making gifts ahead of time.


Taking advice
Richard Beddard

Richard Beddard has not had much
success with advisers, but he knows a man who has.


Going it alone
Richard Beddard

Financial meltdown forced Freddy Crabbe to rethink his retirement.
His savings habit and gimlet eye saw him through.



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