Personal finance lessons 'key' for young people's futures - Published:20/09/07
Personal finance lessons are put to be introduced into the classroom in a offer to give young people in the UK greater monetary acumenEntitled economic well-being and monetary capacity, the lessons will inform pupils about a number of monetary matters, connecting to homebuying, tax and pensions issues among othersThe move was welcomed by Clare Tickell, chief executive of the nationwide brood's Home, who said that previous experience had shown that young populace who received personal financial education were provided with the "skills and confidence to appreciate how to manage their money"Ed Balls, secretary for brood, schools and families, also described how it was important that children learned about "daily [financial] issues" such as buying a house and saving for retirementnew research by the place of work of Fair Trading indicates that there is a widespread lack of financial information among 18-24-year-olds in the UK, with the average amount payable by people in.
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Standard Life Shares Could Reach £4 - Published:05/09/07
The UK's fifth-largest existence assurance and pension provider has announced that first-half operating profits on an embedded worth basis, an insurance industry gauge, soared 71% to £353m, up from £206m last year and better than analysts' forecasts Net profits grew 40% to £115mLifted by physically powerful growth in higher margin products, life and pensions sales grew worldwide by 31% to £818bn, and even faster in the UK with a 45% jump to £695bn The profit input from novel business jumped 66% to £151mGroup limits also exceeded forecasts at 18%, up from 14%, as the cost-saving programme sustained 269 jobs, 25% of its workforce, have been chopped since the end of last day Standard Life had already announced plans to reduce headcount by 1,000 as part of this year's £180m expense-reduction work outThe collection said it anticipated maintaining its business momentum and that full-year results will be "very good", ongoing that it expected to hit market growth over the coming months on high demand for self-invested personal pensions (SIPPS) These let tax-efficient investment of pension investments and Standard Life forecasts that the SIPP marketplace will triple by 2011Furthermore, margins are expected to edge higher with an extra £100m of cost reductions being on the cards for 2009So far it all sounds almost too good to be factual Surely Standard Life cannot continue to grow at this rate Let's examine some possible pitfallsThere was some damage The corporation suffered "slightly worse than expected" cancellations of pension and investment policies totalling £60mobviously, if Britain's housing market was to collide and burn, the company's fortunes would suffer And a severe stock market slide would harm tooThe UK's savings ratio, ie the percentage of profits that Britons stash absent in savings, is at its lowest for over 40 existence, according to the latest stats from the Office of nationwide StatisticsThat has to change soon, maybe driven by more government incentives and the new increases to depositors' ratesAlso, saving tends to choose up if the economy turns down, which now looks increasingly probable Standard Life is in the right put at the right time if that happens And since de-mutualisation, the company does seem to have got its act much more togetherAlthough the store has underperformed the FTSE 100 share directory by 1% since mid July, it has done well over the history year, beating the ‘Footsie' by around 8% even without captivating account of dividends and bonus sharesThe price to earnings relation (PER) for next year is below 11 era consensus estimates, which will probably be upgraded by up to 10% after today's results A small premium to the division, but deserved Add in a dividend yield of just under 4% and normal Life now looks cheapMy note of caution for the temporary: professional punters who weren't too eager on the stock when it floated have probably built up their holdings over the last year Also, those little shareholders who held on for the bonus shares could continue to put up for sale out, particularly if the market waters stay choppyThat would be a good chance to get on board If normal Life gets back to its previous PER of 13 era, the stock could reach £4 per share within the next year© Copyright 1998-2007, The Motley Fool incomplete All human rights reserved This material is for personal use onlyPlace of Reg: England & Wales corporation Reg No: 3736872 VAT Reg No: 735 7818 01 Registered Office: 30 Great Pulteney road,.
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Young people 'failing to set up pensions' - Published:11/11/06
Graduates could be risking half of their retirement fund total if they delay their aid until the age of 30, according to HSBCThe research discovered that 50 per cent of 16 to 24-year-olds believe they are too young to begin believeing about contributing to a pensionrelated to this, 90 per cent of this age group along with 44 per cent of 25 to 34-year-olds, are not currently paying into a retirement fund schemeIan Martin, head of pensions and departure income at HSBC, explained: "There has been a huge deal of talk about pensions recently and it appears that older workers are preliminary to perceive sound the message about the importance of planning for their departure"But for graduates starting work for the first time, retirement seems a long method off and their pension just isn't a priority"Mr Martin continued to give details that with the basic state pension being £8425 and likely to reduce, pensions should be at the forefront of people's mindsHSBC's stakeholder retirement fund requires the individual to make a sum of £20 and the number of aid is entirely up to the individual.
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