Articles

Giving something back to you

As a mutual, we think our members should share in our success. That’s why, when we do well, we’ll aim to boost your retirement savings. We call this ProfitShare

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Five reasons to stay in your workplace pension

There are a number of important benefits you could lose if you choose to opt out of your workplace pension scheme

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Prioritising your debts

Whether it’s your mortgage or paying off a credit card, debts can make you feel like burying your head in the sand. But prioritising can help you to manage what and how much you owe

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Will you still get taxed in retirement?

Retirement has little effect on how you’re taxed, but it can seem complicated as you’re likely to have several sources of income

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Your mortgage checklist

If you’re thinking about getting a mortgage, there are a number of things that can affect your eligibility aside from a deposit

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Help a local not-for-profit organisation get £5,000

It’s quick and easy to nominate your local not-for-profit organisation to receive funding from the Royal London Foundation

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Apply for work experience with us

As a member, you or your family have the opportunity to apply for our Insight into Work programme

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Investing in stocks and shares

The stock market can be a valuable place to invest your money, but spreading your investments is key to reducing risk and maximising growth

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How to read your payslip: National Insurance

When it comes to your payslip, it’s useful to understand the different deductions from your salary, such as National Insurance

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Is it a good idea to transfer out of your pension?

If you’re considering a transfer out of your pension scheme, it’s important to seek professional advice and make sure you understand the pros and cons

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How can risk affect your retirement?

Investing your money can be risky. But, it’s important to take some risk if you want your pot to grow and enjoy a comfortable retirement

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Is your pension protected?

While it’s rare for people to lose their pension, or get less than expected, if things go wrong, it’s good to know what protection is in place for your pot

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Could a new benefits policy affect your mortgage?

Changes to the government’s Support for Mortgage Interest benefit could affect homeowners like you

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Everyone likes a little boost

As a mutual, we think our members should share in our success. That’s why, when we do well, we’ll aim to boost your retirement savings. We call this ProfitShare

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How can Insight into Work help you?

Whether you’re leaving school, considering a career change, or wanting to return to work after a break, work experience can be a real help

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What is asset allocation?

When it comes to reducing risk and helping your money grow, asset allocation plays an important role. But what exactly is involved?

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Why is making a will important?

If you don’t make plans on how you want to distribute your wealth once you’re gone, you may leave a host of problems behind

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Is it time to let your family help with your finances?

As you get older, you may find that family and friends want to help you with your finances. While this can be helpful, it’s important that you’re in control of how it happens

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Getting the insurance you need

As we get older, it gets harder and more expensive to buy things like car or travel insurance. Thankfully, most of us can get what we need, if we know where to look

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Get more involved in your local community

There are lots of easy ways to support your community, from volunteering with a charity to helping out in a local school, or visiting an elderly neighbour

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How do your investments affect tax?

Most of us know about the tax we pay on our wages, but did you know that your investments can also impact how much tax you pay?

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Why is life cover a good option further down the line?

If you have loved ones that depend on you, taking out life insurance can help to protect them in a number of different ways

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Are you missing out on help with your pension?

Working families are losing millions each year by not realising the connection between claiming child benefit and protecting their state pension record

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Getting your children to save

They may not thank you for it now, but one of the best things you can give your children is good financial know-how

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Are you prepared for the road ahead?

Having protection insurance in place can offer you some comfort should you come across any bumps in the road

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How to read your payslip: tax codes

Your payslip can be difficult to get your head around, especially when it comes to understanding your tax code

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Financial advice: is it worth it? 

Consulting with a financial adviser could result, on average, in a boost of over £40,000 to your savings and investments, financial assets and pension

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How we make investment decisions

In order to grow your pot, there are a number of decisions we have to make when it comes to investing your money

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What does the Budget mean for you?

The Chancellor of the Exchequer presented his Autumn Budget to Parliament on 22 November 2017. Our Director of Policy Steve Webb explains five key things that you should takeaway

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Simple steps to saving for a pension

Following our simple rule of thumb can help make saving for a pension from an early age much less intimidating

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How to stay one step ahead of pension scammers

Knowing what to look out for, and how to report anything suspicious, can help you to protect your pension pot from fraudsters

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Supporting yourself and your family

Grandparents are playing a bigger role in supporting families financially, but it is important to take your future needs into account

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How does inflation affect your money?

If you don’t plan effectively, inflation could cause your pot of hard-earned cash to shrink

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Will your council pay for long-term care?

While the situation is different for every local authority, you may be entitled to help with your long-term care

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Five ways to take your pension pot

The options for using your pension pot are more flexible than ever. But it’s important to understand how your decisions will affect your retirement income in the future

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Self-assessment: what is it and do you need to do it?

Getting your tax return information in order can help you to avoid any potential fines later on

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What type of cover is best for you?

Life insurance can help to protect you and your family should the unthinkable happen. But are you clued up when it comes to the type of cover you need?

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10 steps to building a financial plan

Having a financial plan in place early on can make it easier to manage your money further down the line

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Insight into Work

In 2017 we launched our brand new Royal London Insight into Work programme for members and their families

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Are you entitled to any unclaimed money?

Billions of pounds are lying unclaimed in pensions, policies, accounts, investments and prizes across the UK. Is any of it yours?

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Planning a funeral for you or your loved one

While it’s not something we like to think about, having funeral plans in place can help remove the worry of costs later on for both you and your loved ones

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Pensions made easy

Pensions can be difficult to get your head around, but knowing the options can help you build the best nest egg possible for your retirement

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Are you paying too much tax?

Making sure you are on the right tax code will help you to avoid losing too much of your hard-earned money

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Can you leave a pension to your children?

Passing on your remaining pension pot can be a good way to help out loved ones in need, but it is important to understand exactly how the system works

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Don’t miss out on extra pension money

Taking full advantage of auto-enrolment, and knowing the maximum contributions offered by your employer, can help you to access extra money for your pension

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Should you save or invest?

While savings accounts may seem like a safe place to keep your hard-earned cash, low interest rates mean it is not always the best option

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Five ways to save for your first house deposit 

Saving for a deposit is one of the biggest obstacles in getting onto the property ladder, but being aware of the many options available may help you to reach the sum you need

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Investing for uncertain times

Knowing how to make the most of stock market growth, while protecting yourself from any changes, can help your investments to perform well

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Is flexible retirement right for me?

On the surface flexible retirement may seem like an attractive option for many, but it is important to weigh up the practicalities

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Living together in later life

More couples are choosing to cohabit rather than marry in later life, but there are financial implications in doing so

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Should you lend money to your children?

There are important factors to consider when providing financial support to children purchasing a property

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Community matters

The Royal London Foundation helps members support local organisations that make a difference in your communities

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The benefits you might be entitled to

If you are struggling to make ends meet, it is worth checking to see whether you are entitled to any of the many benefits available

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Top 10: tips to manage your money

If you struggle to manage your money and have little saved, you are not alone

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Pension tax relief: how to get £35,000 of free money

Saving into a pension, and taking advantage of tax relief, can be extremely rewarding

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How to save enough for your pension

Paying as much as possible into a pension can help you enjoy the retirement you’ve always wanted

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Can you invest without risk?

Moving your money out of savings may seem tempting in a low interest rate environment, but can you invest without putting your nest egg at risk?

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How to prepare your pension for retirement

With new pension freedoms providing a more flexible way of accessing your hard-earned cash, it is important to know what the options are

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Should you take your debt more seriously?

Borrowing to make purchases can leave you paying the price long after you’ve forgotten what you bought

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How to protect what’s important

When money is tight, insurance can be a valuable tool to protect yourself and your loved ones in the face of an emergency

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Could your lifestyle go south?

People can find themselves in an increasingly comfortable position during mid-life, but there are many things that could have a sudden impact on your lifestyle

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How to save for your children

Pensions offer a simple, tax efficient way of saving money for your children, but what are the alternatives?

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Saving for your future

Saving for the future can seem like a daunting task if you are on a fixed budget or low income, but there are a number of simple methods you can take to start building a healthy nest egg

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How to boost your pension pot

It can be hard to pay enough for retirement when you are buying a home and raising a family, but it’s never too late to give your pension pot a boost

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Sharing our success with you

One of the great things about being a member of Royal London is when we do well so do you, and that’s where ProfitShare comes in

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More for you

We’re offering our valued members the chance to win 1 of 150 nights away for two at a choice of beautiful hotels across the UK.

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