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News

Keep on top of the latest Wealth Management and Employee Benefits news. You can also access our bimonthly Financial Magazine, keeping the latest Wealth Management news and insights at your fingertips.

Financial Magazines

Archive for 2020

UK employers change approach to health and wellbeing due to Covid-19

Posted on December 21st 2020

There's nothing quite like a pandemic for getting everyone to think about health and wellbeing. As well as the immediate measures required in the workplace, such as social distancing, screens, face masks and hand sanitiser, employers have been looking to the longer term.

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Investors lose almost £10m to scams

Posted on December 14th 2020

Fraud can take a variety of forms and fraudsters are very good at coming up with new and ingenious ways of conning people out of their hard-earned cash. So it's important to be aware of the tactics they use and how to guard against becoming their next victim.

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Bath Minerva Choir - Zoom Christmas Carols

Posted on December 11th 2020

Bath Minerva Choir is one of the leading choirs in the city of Bath, with well over one hundred members, it is a friendly non-auditioning choir that welcomes singers of all standards.

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Supporting employees through a serious illness

Posted on December 7th 2020

When employees are diagnosed with a serious illness it can lead to issues ranging from physical and mental health problems to financial worries. To support staff -- and help ensure they perform at their best when at work -- there are various forms of support that employers can offer.

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Sustainable investing can help bridge the generation gap

Posted on November 30th 2020

amilies don't always agree on how wealth should be invested, but the generations are united in the belief that wealth should drive positive change in the world and society.

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One in five pay awards remain frozen

Posted on November 23rd 2020

Many employees would say that pay and bonuses are their biggest motivator at work. While benefits like pensions, wellbeing initiatives and learning & development opportunities make for a happier and more productive workplace, employers also need to get the basics right -- and that means regularly reviewing and increasing pay.

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Lockdown restrictions lead to pensions boost

Posted on November 16th 2020

2020 has been a year that many of us would rather forget, and the pandemic has put a hole in many people's finances. But for those lucky enough to be able to carry on working, the restrictions on going out have meant fewer opportunities to spend money. And some people, particularly those in their thirties and forties, have chosen to boost their pension contributions instead.

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How can employers help close the gender pension gap?

Posted on November 9th 2020

Women are more likely than men to have gaps in their pension contributions and to save less in a pension due to lower-paid or part-time working. Women also live longer than men -- on average by 3.7 years -- so need their pension savings to last longer.

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Divorce could leave you with £30,000 less in retirement

Posted on November 2nd 2020

In a divorce, many people overlook their pensions and retirement savings when agreeing a financial split. However, the consequences of this can be significant, with a shortfall in your retirement finances and potentially even a future claim from your ex-spouse.

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How well do you communicate your employee benefits?

Posted on October 26th 2020

It takes time and effort to put together an employee benefits package that meets the needs of a diverse workforce, and incentivises and rewards their hard work. But it's a waste of resources if your employees aren't aware of the benefits available to them, or don't understand their options.

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Pension saving among self-employed shows 'dramatic decline'

Posted on October 19th 2020

Working for yourself can be hugely rewarding, but it also brings a whole load of additional responsibilities -- one of which is planning your financial future without the safety net of automatic enrolment.

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Older employees less likely to use workplace financial guidance

Posted on October 12th 2020

Whatever life stage your employees are at, financial education can help them make the most of their money now and in the future. But new research shows that take-up of financial education in the workplace varies greatly across the generations.

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Inheritance Tax: will your heirs be handed a bill?

Posted on October 5th 2020

After changes to tax rules, thousands of people no longer need to worry about Inheritance Tax (IHT). But the huge variation in property prices across the UK means that where you live and the average property price in your area will have a big impact on whether your estate will end up with a bill to pay.

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Covid-19 and mental health: supporting your employees

Posted on September 28th 2020

The Covid-19 pandemic has been an unsettling time for all of us, but there are things employers can do to help employees who may need extra mental health support.

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Planning to transition into retirement? A backup plan is essential

Posted on September 21st 2020

If you're approaching retirement age, you may -- like many people -- be planning to carry on working. But it's important to be prepared in case things don't work out as you planned.

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Covid-19 and Workplace Pension Investments

Posted on July 7th 2020

Just over three months ago, investment markets saw a dramatic downturn due to the outbreak of coronavirus and the perceived effect lockdown would have on the global economy.

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How Employers can help with the emotional well-being of staff working from home

Posted on April 28th 2020

Following the introduction of ‘Lockdown’ the instant ‘Working From Home’ revolution has shown how adaptable the UK’s workforce can be when necessary.

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Market Update - 07/04/2020

Posted on April 14th 2020

In these extraordinary times, Fidelius is especially aware of the value of keeping our clients updated.

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Supporting employees through a stressful time

Posted on April 6th 2020

The coronavirus outbreak has left many people feeling anxious, but employers can provide expert help and support through Employee Assistance Programmes (EAPs).

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Pension reforms change retirement expectations

Posted on March 30th 2020

With a higher state pension age for men and women, and automatic enrolment into workplace pensions, not to mention the pension freedoms, the last decade has seen substantial reforms to retirement savings in the UK.

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Making sure employee benefits meet your workers' needs

Posted on March 23rd 2020

Whether you already have an employee benefits package in place, or you're looking to create one, it's essential to make sure you meet people's needs.

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COVID-19 Business Operations Statement

Posted on March 19th 2020

As the situation surrounding COVID-19 continues to develop daily, at Fidelius we are doing everything we can to ensure that we keep our people safe, while continuing to deliver the high quality, personal service our clients are used to.

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Older homeowners face £17,984 shortfall in retirement income

Posted on March 16th 2020

For many people in the UK there is a considerable gap between expectation and reality, according to a new report published by the Equity Release Council and retirement specialist Key.

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When it comes to workplace benefits, employees want choice and support

Posted on March 9th 2020

Which employee benefits should you offer -- and how much choice should you give? Some employers keep it simple with a limited range of benefits options, while others prefer to offer a wide range of choices to ensure they meet everyone's needs.

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Pension savers 'risk of running out of money' by withdrawing too much

Posted on March 2nd 2020

Ensuring you have enough for a comfortable retirement isn't just about building up your savings and investments: it's also important that any withdrawals from your pension pot are made at a sustainable rate.

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Poor physical and mental health costs firms 38 days per employee

Posted on February 24th 2020

Employee health and wellbeing programmes really are a win-win: they help your workers to be healthy and happy, which in turn leads to greater productivity and better performance for your business.

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Millions of people plan to start a new business in retirement

Posted on February 17th 2020

How do you plan to spend your retirement? Enjoy long holidays, take it easy, or carry on working and earning?

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Why benefits can fail

Posted on February 10th 2020

Many employers look to promote their employee benefits programmes at the start of the year in a bid to remind staff why they’re a good employer to work for, especially at a time when employees might be thinking about moving on to pastures new.

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One in three people retiring this year plan to use property wealth

Posted on February 3rd 2020

The huge increase in property prices over the past few decades means that many homeowners are sitting on property wealth. And many older homeowners are planning to tap this wealth to supplement their income in retirement, according to new research from Key.

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Recruiting and retaining the right employees

Posted on January 27th 2020

It can be said that any company is only as good as the people it employs -- after all, these are the people who are the face of your business and looking after customers who are paying your fees. But whilst most employees seek job security in difficult economic times, an improvement in these conditions, as seen in recent times, can lead to those same people looking for something bigger, better, or just different.

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Two-thirds of pensioner homeowners fail to claim full benefits entitlement

Posted on January 20th 2020

There are various state benefits that you may be entitled to in retirement -- including Pension Credit (made up of Guarantee Credit and Savings Credit) and Council Tax Reduction -- and it's part of a financial adviser's job to make sure you claim everything you should.

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Why is Pension Governance so important?

Posted on January 13th 2020

Auto Enrolment was originally introduced in the Pensions Act 2008, with the first, larger employers reaching what was known as their staging date in October 2012. This continued through to 2018 and now all companies have staged and set up a Qualifying Workplace Pension Scheme for employees. Despite that, Auto Enrolment is not finished and The Pensions Regulator (TPR) requires employers to make sure their workplace pensions are monitored regularly and deliver good retirement outcomes for all members.

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DIY approach to money matters 'costs savers in the long run'

Posted on January 6th 2020

Whether you're looking to manage your investments, save for a comfortable retirement or set aside enough to pass on to your children and grandchildren, planning your financial future means making the right spending, saving and investment decisions to meet your goals.

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