Insights

Working out how much you need to retire comfortably is one of the most important financial decisions you’ll make. This amount depends on several factors, including your expected retirement age, desired lifestyle, healthcare needs, and income sources such as pensions. A common rule-of-thumb is to save 80% of your current annual income to maintain your lifestyle in retirement, however, this oversimplifies the complexities of retirement planning - after all, each person’s retirement is unique! Factors such as income level, savings, and lifestyle needs can vary widely for each individual. As such, knowing how much you need to retire often calls

Ethical investing, also known as socially responsible investing (SRI) or sustainable investing, has rapidly gained popularity as more investors seek to align their financial goals with their personal values. At its core, ethical investing means choosing investments based on personal values, often tied to environmental, social, or governance (ESG) factors.  Ethical investors avoid companies that engage in activities they consider harmful, like tobacco, fossil fuels, or weapons manufacturing. However, ethical investing isn't just about avoiding harmful industries - it's also about actively supporting companies and sectors that contribute positively to society and the environment. What qualifies as "ethical" can be