Every financial plan assumes a return. Few state the cost. £100k over 25 yrs: ~£429k at 6% a year, ~£300k after 1.5% in total costs. Same plan, £128k less. Ask for one all-in figure. #WorldFinancialPlanningDay Illustrative only. Capital at risk.

The state pension debate reminds us it was only ever a floor, not a retirement plan. A comfortable retirement depends on your own savings, and the earlier you invest, the more time your pension pot has to grow. Costs matter too: high fees compound as surely as returns. scmdirect.com *Capital at risk.* #Triplelock #retiremnt #pemsion #SIPP

57% of graduates are women, yet no gender impact assessment was done on the student loan system or changes. Lower pay + career breaks + a debt that keeps growing = the pension gap, 30 years early. For any new students starting university, make sure you read the fine print! Gina Miller 🎧 investorschronicle.co.uk/con… #StudentLoans #freshersweek @IChronicle

41% of young men aged 18–35 are investing. Only 20% of women of a similar age are. That gap doesn't close with age. It compounds - through lower pay, career breaks and the pension gap - for 40 years. Gina Miller 🎧 investorschronicle.co.uk/con… #PensionAwarenessWeek @IChronicle

The next generation of family money says it wants transparency; but buying opacity. They're moving money into less transparent, less liquid, and dearer assets - when lower-risk options are available. Right diagnosis. Wrong cure. Also, 97% of family offices say heirs' priorities differ from the founders/parents. Similar across all families. 👉scmdirect.com/blogs-family-o… #FamilyOffice #WealthManagement #InvestmentCosts #Investmentrisk *Capital at risk*

Only 23% of couples discuss money, investing or pensions. MoneyShe research. This Pension Awareness Week, have the conversation. And whatever else you do - have an account and a pension in your own name. investorschronicle.co.uk/con… #PensionAwarenessWeek 🎧 @IChronicle

2025 data: 71% of UK assets are owned by men. More women hold their money in cash - which, against inflation, is a slow puncture. "Visibility is not the same as confidence and voice." - Gina Miller, in a new @IChronicle Investors' Chronicle podcast investorschronicle.co.uk/con… #PensionAwarenessWeek 🎧 Capital at risk.

Budget 28 October. Gilt yields climbing. Comparisons of the AI boom to 1999. Where do the risks and opportunities sit for investors? Hear from our CIO Alan Miller & Bond Specialist Charles Samen - between them, they’ve run money through the dot-com crash, 2008, and everything since. Weds 23 Sept - 16:00 Investment Webinar REGISTER TODAY - us06web.zoom.us/webinar/regi… Capital at risk.

On any food item, there’s a label telling you all the ingredients. It’s time for a Fee Label to tell you all the costs, charges & cuts on your pension & investments Our suggestions to the @FCA are here scmdirect.com/blog-three-ste…

Financial Awareness Day. Three numbers every investor should know: 1. What you own 2. What it costs you each year, in pounds 3. What you'll need at retirement Two are easy to find. The second shouldn't be this hard. #FinancialAwarenessDay

National Financial Awareness Day One question worth asking today: what did your investments cost you last year - all in, in pounds? Most investors can't answer. That's not a failure of awareness. It's a failure of disclosure. This Financial Awareness Day find out the true costs of your pensions and investments #FinancialAwarenessDay #investmentfees #pensionfees #transparency