Smart Money Newsletter

Welcome to the July/August 2025 edition of the Smart Money Newsletter.

Inside this issue, we explore a new study that reveals a startling insight. As many as one in six individuals with a partner are unclear about who will receive their pension savings if they pass away before accessing them. Even more concerning, this figure rises to nearly one in five among the silent generation(aged 79 and older).

If you have accumulated wealth over your lifetime, it is never too early to plan so that any remaining wealth is distributed to your chosen beneficiaries in the most tax-efficient way.

Other topics in this issue include:

• Navigating market uncertainty and building long-term wealth
• Saving vs Investing
• Preparing for retirement: What you need to know
• The principles of successful investing