HBD Blog

The optimal time to invest is shaped by your personal goals and circumstances Investing your money can feel like navigating uncharted waters, especially when you’re unsure about market trends. A common sentiment among new investors is, ‘I think I’ll wait until the...

The impact of pension lump sums and their long-term implications New research reveals a concerning trend among those approaching retirement[1]. One in five individuals (21%) who accessed a cash lump sum from their pension pot did so as soon as they reached 55, often...

Often-overlooked financial implications during this transformative life stage The menopause is a natural phase in a woman’s life, marked by significant physical and mental changes. While much attention is given to the physical and emotional challenges, the financial...

Generous parents and grandparents are turning to their property wealth As the housing market becomes increasingly competitive, family contributions are crucial in helping younger buyers secure their dream homes. Recent research highlights that generous parents and...

Financial strategies are not immune to the impacts of life’s changes As the new year approaches, it brings a sense of renewal and opportunity—an ideal time to pause and evaluate your financial plans. This annual reflection is important to ensure your financial plans...

Financial status plays a significant role in retirement happiness Retirement is a time many look forward to—a reward for years of hard work with the promise of relaxation and enjoyment. However, a key question persists: how much money is necessary to ensure happiness...

Are your finances on the right track as you approach this new chapter? As we approach our 50s and 60s, retirement looms on the horizon, promising a well-deserved break from decades of hard work. Whether your future plans include travelling, indulging in hobbies, or...

Now is the time to make sure you know how much you need to save As you enter your 50s, retirement looms larger on the horizon, making it crucial to ensure your finances are optimally positioned. This stage of life demands a coordinated and joined-up approach to...

What payments can you expect to receive from the government later in life? In April 2024, the state pension rose by 8.5% to £11,502.40 a year for post-2016 retirees. However, according to new research[1], one in seven (14%) retirees receive less money from the state...