Compass Resources

“ISA season” tends to arrive every March, accompanied by reminders that an allowance is about to disappear. But an ISA isn't an investment in itself. Think of it instead as a tax wrapper that can sit around cash or investments and shelter them from UK Income Tax and...

New research reveals that five million mid-lifers, aged 40–54, face a difficult retirement. The retirement landscape in the UK has changed significantly over the last 50 years: In 1978, the State pension moved from what was largely a flat rate benefit to a combination...

Two employees can put the same amount towards retirement but see different numbers on their payslips. The reason may be how their pension contribution is made. Salary sacrifice – also called salary exchange – is an agreement under which you give up part of your...

It may be one of the most valuable documents you receive each year – and one of the easiest to ignore. Your annual pension statement is effectively a progress report for potentially decades of future income. A defined contribution statement will typically show how...

A new job often comes with a new laptop, new colleagues – and increasingly, a new pension. After several career moves, it's easy to find yourself with a collection of separate pension pots administered by different providers. Combining them can sound like an obvious...

Automatic enrolment has been enormously successful at getting people into pensions. The harder question is whether the amount being contributed will be enough. Around 82% of UK employees were members of a workplace pension in 2024, according to the latest ONS figures....