ICAEW.com works better with JavaScript enabled.
Exclusive

Personal Financial Planning community industry press

The ICAEW Library & Information Service provides a hand-picked collection of industry press articles on personal financial planning as a benefit of ICAEW membership.

Online articles

The Library provides access to leading business, finance and management journals. These journals are available to logged-in ICAEW members, ACA students and other entitled users subject to suppliers' terms of use. 

If you have any difficulty accessing these electronic resources, please see our help page for further guidance. The page also provides search tips and tricks that you may find useful.
Displaying 1-30 of 100 results
Exclusive What every woman needs to know about retiring
  • Article
  • 01 Mar 2024
  • Jennifer Waters
Article on the financial challenges women often face in retirement. It highlights that women typically earn less than men over their lifetimes, have less saved in retirement accounts and live longer. Provides advice on financial planning and what women need to do for a secure retirement.
Exclusive How to make your retirement money last 100 years
  • Article
  • 25 Jan 2024
  • Adam Shell
With the number of Americans living to age 100 or over projected to quadruple over the next 30 years, the author discusses how to plan for a longer retirement. Tips to help stretch retirement income are given which include working longer, securing personal finances, running financial scenarios, investing in the market and seeking professional advice.
Exclusive Institutions see green in natural capital: But investors still cautious about strategies in blooming asset class
  • Article
  • 11 Dec 2023
  • Sophie Baker
UK pension funds are exploring the blossoming opportunity for investment in projects and strategies that put nature at their heart to yield societal, environmental and economic benefits - so-called natural capital. Schroders' Institutional Investor Study 2023 of 770 global investors found that 26% of respondents expected to increase or significantly increase their allocation to natural capital over the next twelve months.
Exclusive Six communication dos and don'ts for next-gen advisers
  • Article
  • 01 Dec 2023
  • Kristine McManus
Good communication is more than the way you speak - it's about making sure clients feel heard, says Kristine McManus. The article offers advice on client management for financial advisers, highlighting communication essentials such as setting expectations, clarifying value propositions and avoiding haphazard communication.
Exclusive Hunt plans UK pension revamp to unlock billions for investment
  • Article
  • 16 Nov 2023
  • Merryn Somerset Webb
Chancellor Jeremy Hunt is set to unveil a package of growth reforms that will allow British companies to release billions of pounds from pension funds for investment. The Pension Protection Fund will also be given new powers to consolidate small retirement plans, with the aim of enabling funds to make larger investments in the UK. The government hopes that these measures will close the UK's investment gap with Europe and boost the country's growth rate.
Exclusive UK house prices fall for first time in 11 years, official data shows
  • Article
  • 15 Nov 2023
  • Lucy White
UK house prices fell by 0.1% year-on-year in September 2023, marking the first decline in over a decade, according to the Office for National Statistics (ONS). The drop was attributed to higher mortgage rates impacting activity in the housing market. The ONS data aligns with reports from mortgage lenders and property portal Rightmove, which have also indicated falling house prices. Simultaneously rental prices have been rising, with a 6.1% year-on-year increase in October 2023, driven by factors such as an influx of students and a lack of rental supply.
Exclusive Year after LDI crisis, UK funds doing better
  • Article
  • 09 Oct 2023
  • Sophie Baker
One year on from the UK's liability driven investment (LDI) crisis - when the announcement of a set of unfunded tax cuts sparked a dramatic period in the UK pension fund world and the gilt market - retirement plans are largely in a better place than they were. Money managers have highlighted changes to pension funds made in response to the gilts upheaval, with funds largely having lower liabilities and improved governance around hedging portfolios.
Exclusive UK's Pension Protection Fund opens up about climate strategy
  • Article
  • 09 Oct 2023
  • Sophie Baker
Setting and communicating the climate and wider environmental, social and governance (ESG) strategy for one of the UK's highest-profile pension funds has taken time and careful thought - but the Pension Protection Fund (PPF) is ready to go on the record. The article provides insights from Claire Curtin, head of ESG at the fund, following the PPF's 2023 Task Force on Climate-Related Financial Disclosures report.
Exclusive JPMorgan exec says 'Wall Street 2.0' will be better for women
  • Article
  • 04 Oct 2023
  • Kyle Campbell
Mary Callahan Erdoes, CEO of asset and wealth management at JPMorgan, delivered a keynote speech reflecting on her career in finance at American Banker's 'Most Powerful Women in Banking' Conference 2023. The article gives quotes from her talk, which discussed the advantages of remote working for women in the workplace, as well as the importance of being curious and becoming a subject matter expert.
Exclusive Banks wary of London housing projects amid $1bn value drop
  • Article
  • 29 Sep 2023
  • Neil Callanan, Cagan Koc, Jack Sidders
UK banks are becoming increasingly cautious about lending for housing development in London, in the latest signal that the outlook for the capital's property market is weakening. Lenders have cut the leverage ratios they're willing to offer developers by as much as 10 percentage points since the start of 2023, according to Nicole Lux, a senior fellow at Bayes Business School. Higher mortgage rates are also damaging London home prices, which have fallen by about 4% over the last year, according to mortgage lender Halifax.
Exclusive How the FIRE movement keeps burning in a tough economy
  • Article
  • 29 Aug 2023
  • Nathan Place
Even in a challenging economy, millions of Americans still strive for FIRE - 'financial independence, retire early'. But to keep their dream alive, they've had to change it. Instead of the early retirement part of FIRE, many are focusing on more flexible work arrangements that allow time for home life and hobbies.
Exclusive UK home sellers cut asking prices for first time this year
  • Article
  • 17 Jul 2023
  • Jill Namatsi
UK property sellers cut their asking prices for the first time this year, an indication that a sharp jump in borrowing costs is cutting into what buyers can afford. The figures confirm a trend toward lower prices reported by mortgage lenders, suggesting that home sellers are beginning to lower their expectations for how much they can get.
Exclusive UK master trusts looking to add collective DC
  • Article
  • 08 May 2023
  • Paulina Pielichata
Some UK defined contribution multiemployer pension plans could soon be able to help workers secure lifetime income, as the UK government mulls introducing collective defined contribution (CDC) options for master trusts.
Exclusive Shift to cheaper homes holds answer to diverging UK house prices
  • Article
  • 20 Apr 2023
  • Lucy White
Britain's two main mortgage lenders, Halifax and Nationwide, have been calling house prices in opposing directions since the start of 2023, leaving economists to wonder whether the real estate market is going up or down. Spokespeople for both lenders have pointed out there are various differences in their methodologies which may influence the results. The answer to the riddle appears to be that buyers are shifting their purchases toward cheaper properties.
Exclusive UK banks to curb mortgage supply as loan defaults rise
  • Article
  • 13 Apr 2023
  • Tom Rees
British banks expect to curtail the availability of mortgages in the coming months after signs emerged of business and household loan defaults picking up. Default rates on mortgages, unsecured credit to households and loans to small and medium-sized businesses all rose in the first quarter of 2023 and are expected to increase further.
Exclusive Portugal private clients series, part two: Opportunities on the sale of shares of small and micro companies
  • Article
  • 20 Mar 2023
  • Ana Carrilho Ribeiro and António Queiroz Martins
Ana Carrilho Ribeiro and António Queiroz Martins of Morais Leitão, Galvão Teles, Soares da Silva & Associados report opportunities on the taxation of capital gains arising from the sale of SMCs, in the hands of resident and non-resident individual shareholders.
Exclusive Britain's property surveyors see improvement in housing market
  • Article
  • 08 Mar 2023
  • Tom Rees
UK property surveyors saw flickers of life return to the housing market in February 2023, as both buyers and sellers returned to lift sales. The Royal Institution of Chartered Surveyors said that house prices suffered another decline, but its more forward-looking survey also pointed to signs of improvement despite higher mortgage costs.
Exclusive Portugal private clients series, part one: New Stock Options Tax Regime
  • Article
  • 13 Feb 2023
  • Ana Carrilho Ribeiro and António Queiroz Martins
In the first article of a two-part series on the tax landscape for Portuguese private clients, Ana Carrilho Ribeiro and António Queiroz Martins of Morais Leitão, Galvão Teles, Soares da Silva & Associados report significant proposed changes to the taxation of stock options.
Exclusive Credit binge sees UK shoppers use debt to buy TVs and milk
  • Article
  • 20 Jan 2023
  • Tom Rees, Lucy White
The highest increase in consumer credit card activity in over 18 years appears to have helped the UK's retail sector, as Britons borrow to buy products ranging from high-ticket electronic items to basics such as milk.
Exclusive Give the UK credit for one of the best pensions in the world
  • Article
  • 19 Jan 2023
  • Merryn Somerset Webb
The UK has one of the best pension systems in the world, says Bloomberg Opinion columnist Merryn Somerset Webb. She takes a look at the support on offer for pensioners and the success of auto-enrolment, which few other countries have attempted.
Exclusive China introduces tax deductions for private pensions
  • Article
  • 09 Jan 2023
  • Lewis Lu
Lewis Lu of KPMG China discusses the new IIT deduction for private pensions and the updated catalogue of encouraged industries for foreign investment.
Exclusive Market shocks prompt allocation overhauls: Corporate pension plan portfolios in UK and US distorted by upheaval
  • Article
  • 03 Oct 2022
  • Sophie Baker
Corporate pension fund portfolios in the UK and US that have been distorted by recent market events are set for an asset allocation overhaul. For UK pension funds in particular, surging gilt yields - followed by plummeting gilt prices - left pension funds scrambling for cash to post as collateral for derivatives positions used to hedge against moves in interest rates.
Exclusive UK pushes trustees to focus on 'S' in ESG
  • Article
  • 01 Aug 2022
  • Hazel Bradford
The UK government wants to ensure that pension fund trustees are giving enough attention to social factors that could have financial implications, and is setting up a task force to help. The Department for Work and Pensions (DWP) says that it is up to trustees to determine how to consider financially material social risks and opportunities.
Exclusive UK funds lead way with first climate reports: Investors say mandate highlights need for consistent metrics, wider reporting
  • Article
  • 01 Aug 2022
  • Hazel Bradford
The UK's largest pension funds have produced their first mandated reports on climate risks. Officials hope the new reports will capture the climate-risk profiles of more than 70% of retirement assets. Questions remain about how much the reports can accomplish until there are consistent metrics and more widespread reporting in the financial sector, trustees and consultants say.
Exclusive When you're too old for an internship
  • Article
  • 27 Jun 2022
  • Arianne Cohen
Why more retirees in the US are opting for 'returnships', temporary or flexible gigs that keep them engaged. Companies benefit too, by gaining experienced workers who can be hired as and when needed.
Exclusive UK pools gaining critical mass
  • Article
  • 23 May 2022
  • Hazel Bradford
Assets are growing for local government pension scheme (LGPS) funds, seven years after the pools were created to streamline the investment process. Collectively, the 88 LGPS pension funds in England and Wales represent one of the UK's largest defined benefit segments.
Exclusive UK climate risk rules for trustees still evolving: Rigorous retirement plan reporting presents challenges and benefits
  • Article
  • 24 Jan 2022
  • Hazel Bradford
UK pension plan trustees are adjusting to new climate-related reporting rules, with more changes from regulators expected to come.
Exclusive Royal Mail ready to launch first UK collective DC plan
  • Article
  • 23 Aug 2021
  • Paulina Pielichata
Royal Mail is expected to launch its long-awaited collective defined contribution pensions plan in 2022, which will be the UK's first such plan.
Exclusive UK agency releases proposal about collective defined contribution plans
  • Article
  • 06 Jul 2021
  • Paulina Pielichata
The Department for Work and Pensions is consulting on its draft collective defined contribution plan regulation, which aims to give employers more predictable running costs of plans.
Exclusive Exit planning for small business
  • Article
  • 01 Jun 2021
  • Jon Augelli
Article on the exit planning process for small businesses owners. Areas discussed include assembling an advisory team, determining financial goals, exit strategies, succession planning and personal considerations for owners and their families.
Displaying 1-30 of 100 results

Find more articles

Can't find what you're looking for?

The ICAEW Library can give you the right information from trustworthy, professional sources that aren't freely available online. Contact us for expert help with your enquiries and research.

Explore our communities

Information, insights, guidance and networking opportunities on a range of industry sectors and at various stages throughout your career.
Find out more
Polaroids on pinboard
Information
The Chartered Accountants’ Trust for Education and Research, a registered charity, owns the library and maintains and operates it for ICAEW.