HBD Blog

Reducing the risk of investing in volatile markets Cost averaging, or pound cost averaging, is an investment approach that involves dividing up the total amount to be invested into equal amounts and investing these at regular intervals over a period of time. This...

Rising prices add almost 20% to ‘minimum’ cost of retirement Despite the slow economic recovery, many retirees trying to maintain a basic standard of living have seen the cost of their lifestyle increase by nearly 20% over the past year, according to a new report[1]....

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age Four in five workers (16 million people) are not saving at levels which are likely to deliver an acceptable standard of living in retirement,...

Millions want to stick with lockdown lifestyle changes The COVID-19 pandemic has been incredibly difficult for everyone and made a huge impact on the lives, personal finances and jobs of millions of people. The restrictions introduced during the pandemic were forced...

How to take less risk when investing There are a number of strategies that individual investors can use to take less risk when investing. Diversification is one approach that can help to mitigate the effects of volatility in any one particular asset class....

Could market volatility and inflation mean you have to delay retirement? It’s never too early to start planning for retirement. But if you’re nearing retirement, it’s especially important to have a plan in place in case market volatility or inflation impacts your...

Cost of living crisis drives early inheritance gifting The rising cost of living is cutting into even the most resilient saving pots and salaries, forcing many to re-consider their financial priorities, whatever their generation or income. Those millennials now...

More people set to dip into emergency funds Having money set aside can help to provide protection against any abrupt financial changes. A new report has identified one in four working households with savings (28%) have started dipping into them to meet rising living...

Considering the rule of seven when making financial gifts You’ve worked to build up your wealth. But now it’s time to make plans so your loved ones can get the most from the estate you intend to leave behind. If you think you might be affected by Inheritance Tax, it...