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How to use Lifetimes ISAs as part of a financial wellbeing strategy

As buying a first home is the top financial priority for many people under 40, the LISA is an ideal savings vehicle. If they continue to save into it for retirement, the bonus payments mean that a Lifetime ISA (LISA) is arguably a better value proposition for younger employees than a pension scheme. Many employers are now implementing or considering a dual approach to workplace savings, for example, a LISA (or other types of ISAs for older employees) alongside a pension scheme.

Side car savings - financial wellbeing for all

Steve Watson, Head of Proposition at Smarterly, talks to employers about side car savings and moving from a pensions-focused approach to a wider Workplace Savings Scheme which meets the needs of an increasingly diverse workforce.

OVO - innovation in workplace savings

Jo Fairweather, head of reward and wellbeing at OVO Energy, in association with Smarterly, talks about how OVO's young workforce meant the need for innovation in workplace savings. Recorded at the REBA FinWell Forum 2019.

End of tax year ISA checklist - five things to check before 5th April

This year’s ISA allowance is £20,000 so if you haven’t yet reached this limit consider topping up or starting your investment before 5th April.

Lifetime ISAs – a ‘needs-based’ approach to employee financial wellbeing

Workforce demographics are changing. With 75% of the workforce estimated to be made up of millennials by 20251 and people working later into life, there’s a growing call for a more 'needs-based' approach to employer sponsored savings.

Personal Financial Services – is it a case of ‘blind luck’ when it comes to investing?

Few enter the business of personal financial services with the expressed purpose of enriching others. This is a problem. So what does it mean for the consumer?

Flexibility in savings is key

Thinking flexibly when it comes to employees’ savings is a priority. Employers need to consider financial benefits that fit their employees' needs as working lifestyles change and people need access to savings for life events.

Why the Junior ISA is an ideal gift for the kids this Christmas

Running out of ideas on what to get the kids for Christmas? Whether you’re a parent, a grandparent, auntie or uncle, the Junior ISA (JISA) is a great gift that helps support your children, grandchildren or nieces and nephews to have a healthy financial future.

A view of the market - December 2018

2018 has been a year of high volatility for the market compared to recent years. Although stock markets tend to give a higher return over time, there will always be ups and downs and years like this should remind investors of the importance of portfolio diversification.