Long-Term Asset Funds (LTAFs) – What are they and how can you use them

Introduced in November 2021, Long-Term Asset Funds (LTAFs) are a relatively new category of UK-authorised and regulated open-ended fund vehicles. They are specifically designed to facilitate investments in long-term, less liquid assets while offering access to retail investors. This integration is achieved by aligning the liquidity of the asset with the frequency of redemptions, underpinned…

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The future of defined benefit pensions: Is there one?

Defined Benefit (DB) pension schemes have long been a cornerstone of retirement planning in the UK, offering retirees a guaranteed income based on their salary and years of service. However, the sustainability of these schemes is under scrutiny due to evolving regulatory landscapes and financial pressures. Challenges ahead for DB pensions Recent discussions by MPs…

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Exploring the future of UK pensions: The Pot for Life

UK pensions are on the cusp of a significant transformation, thanks to the concept of a “Pot for Life.” Since the introduction of auto-enrolment, which has seen a remarkable uptake with 88 per cent of eligible employees now participating in workplace pensions as of 2022, the focus has shifted towards addressing the complexities arising from…

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