In your Senior Gap years, a monthly wage/salary is missing. Some may have private pensions but many are living on the State pension and meagre savings. We discuss budgets, investing, alternative savings and innovative products and apps.

Investing for Your Retirement

Follow my blog with Bloglovin Here's the Deal .... I think you will agree that having reached retirement there are worries about your financial future? If your pension does not afford a comfortable retirement, then investing to provide an income becomes a significant consideration. Of course, investments in the stock market can be a risky option. This long bull run must end soon, and investing now may be a risky option. You can invest in stocks/shares for capital growth, or…

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Stretching Your Budget – Top Tips

Silver Surfers are often living on a Fixed Income - state pension, company / private pension, bank interest, and other investments. Statistics suggest that many are having to survive on just a state pension with no savings. So stretching the budget is rather important! In this article I outline some of the tactics I use to stretch my budget for those Senior Gap Years! Unfortunately, some people are resistant to change and do not like shopping around for better value…

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How to Benefit from P2P (Peer to Peer) Phenomenon

With saving rates so low - where else can you put your savings for a decent return? We have looked at investment trusts with good dividends in excess of 4% in How to Live Well in Retirement but  of course the value of trusts can go down as well as up! Well, P2P or Peer to Peer is an alternative with a warning! Your capital is at risk too - no protection from FSCS. The peer to peer model has…

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