Retailers and landlords collaborate to tackle climate change

The Retailer/Landlord Net Zero Building Protocol has been launched to reduce carbon emissions from retail properties. The protocol outlines the principles required for net-zero retail sites and is designed to set high sustainability standards between retailers and property owners. It is designed to support commitments from businesses to reduce carbon emissions and align with the Government’s requirements for better energy …

Get rich by having wealthy parents

What’s the secret to building wealth? It helps to have wealthy parents. New research by the Institute for Fiscal Studies (IFS) looks at the impact that wealthier parents have on transferring economic advantages to their children. The headline finding might come as little surprise; young adults with wealthy parents are, on average, six times as rich themselves when compared to …

Workplace pensions hold up throughout the pandemic

What did the pandemic mean for workplace pension savings? According to new research, three-quarters of savers were happy to be automatically enrolled in their workplace pension scheme during the pandemic. The research by online pension provider PensionBee found that a third of savers said being auto-enrolled highlighted the importance of saving for the future. Only 18% of respondents said they …

Not running out of money in retirement

What is the ultimate financial goal in retirement? For many, the sign of success once they finish working is running out of life before running out of money. Financial planning as it relates to retirement has a significant focus on cash flow forecasting to ensure that income and assets do not run out during an anticipated lifetime. New research from …

State pension triple lock becomes double lock in 2022

As widely anticipated in the face of rapidly rising earnings, the government has suspended its state pension triple lock guarantee. The one-year suspension of the triple lock formula means the government will apply a less generous ‘double lock’. In April 2022, state pension income will increase by 2.5% or Consumer Prices Index (CPI) inflation, whichever is higher. Suppose the triple …

Don’t tell my team about this blog!!

What do you think about a four-day working week? The overwhelming majority of British workers favour its introduction, with one big caveat – dropping a day of work should not lead to a pay cut. The cross-party think tank the Social Market Foundation research found that eight in 10 British employees would opt for a four-day working week if employers …

5 key moments in life to reconnect with your pension

We know that Pension planning is not something you want to do on an evening, it makes a terrible date night and even painting the fence might be a more attractive proposition than digging out old paperwork and trying to wrap your head around several pages of FCA mandated jargon. According to new research, one in five women are leaving …

The economy is ‘going gangbusters’ but inflation is a concern

The UK economy is staging a strong recovery following the challenges created by the Covid-19 pandemic. According to Bank of England chief economist Andy Haldane, the economy is “going gangbusters”, but that raises the concern of price inflation. Haldane said that the UK needs a pay rise if the economic recovery continues going in the right direction. Speaking to LBC …

5 Different Types Of ISA

Individual Savings Accounts (ISAs) have been around in one form or another since 1999 but have grown from the original two types of ISA to the current roster of five. They are a really important tool in our Financial Planning tool kit and are often underestimated Here we break down the different types of ISA available to you, your allowance …

5 Key Areas of Financial Planning For Business Owners

At Juniper Wealth we work with many business owners and entrepreneurs and there are some recurring questions that come up from time to time. Here are some of the most common questions: How do I get my time back now the business is successful? How can my business finance what I want to do with my life? Is my business …