News

Over the past few articles, we’ve explored the rise of crypto and how, for some early adopters, it has created significant wealth.

For a small number of investors, this has been life-changing.

But it also raises an important question:

Can crypto wealth realistically fund your retirement?

Financial planning is a journey, and each tax year brings the opportunity to build on that plan.

At first glance, tax year changes can feel small. Adjustments to allowances, frozen thresholds, and annual resets may not seem significant in isolation. But over time, these changes shape how much you keep, how much you invest, and how effectively your plan progresses.

Industry research suggests a growing number of landlords are reducing portfolios rather than expanding them. For example, Savills (citing the NRLA’s landlord survey) notes that 26% of landlords sold at least one property in 2024, while only 8% bought.

There are two dates we should all have in our minds each year: 31 January (Self Assessment) and 5 April (the end of the tax year, when many key allowances reset).

And yet, for some reason, plenty of sensible people still leave decisions to the last minute.

If you purchased Bitcoin in May 2016, the return to 3 March would be 16,189.17%. In simple terms, £10,000 would now be worth just over £1.6 million.

For many early investors, this wasn’t a carefully modelled plan. It was more like stepping into uncharted territory, a pioneer move, with no real certainty about how it would play out.

Headlines matter. They draw people in.

We could easily retitle this article “£250,000 Needed for a Comfortable Retirement”; it would almost certainly generate clicks. But the truth is that the figure would be entirely arbitrary.

And that’s the problem with how retirement is often discussed.

We recently started a short series on crypto, driven by a growing number of conversations with clients looking to realise gains and diversify their assets.

In many cases, these are early adopters, people who have lived through crypto’s highs and lows and are now moving from asking “Was this a good investment?” to a far more important question:

Between 2011 and 2025, Bitcoin delivered an annualised return of approximately 96% in sterling terms, according to data from Curvo. It is a staggering figure.

Each year begins with good intentions. Yet research consistently shows that most people abandon financial goals long before the year ends. The challenge isn’t a lack of motivation. It’s distraction.

Many parents worry that their pension will be a poor inheritance for their children, especially with recent headlines about inheritance tax and changing pension rules.

It’s an understandable concern.

The reality, however, is far more reassuring.

When people think about saving for retirement, the conversation often becomes a straight comparison:

ISAs or pensions – which is better?

In reality, this is rarely the right question.

Estate planning is rarely about a single decision or document. It is an ongoing process that evolves as your wealth grows, your family circumstances change, and tax rules develop.

Over the last few months, we’ve explored several core themes around retirement, from sustainable income and the State Pension to inflation and longevity. At Ifamax Wealth Management, our journey began more than 20 years ago, and from the very start, we approached financial planning differently.

The State Pension has been part of the UK’s financial landscape for more than a century, but its purpose—and the way we plan around it—has changed dramatically over time. At Ifamax Wealth Management, our Bristol-based financial planners help clients understand how the State Pension fits alongside their wider retirement strategy, ensuring it becomes a foundation for a secure, tax-efficient future.

The 2025 Budget introduced several significant tax, pension, property and investment reforms. While Budgets often create noise and speculation, the real value lies in understanding what has genuinely changed and how these measures may influence long-term financial planning.

Building a business is rarely straightforward. In the first year, around 94% of new businesses survive; however, by the fifth year, this drops to approximately 40%, according to the Office for National Statistics. 

When planning for retirement, most people focus on market risk. But one of the biggest threats to your future lifestyle isn’t stock market volatility; it’s inflation. 

Retirement today looks very different from that of our parents or grandparents. Defined Benefit (final-salary) pensions, once the backbone of retirement income, are now available to only a small minority of people. 

Retirement used to mean a fixed birthday, 60, 65, or whatever your employer decided. Today, that traditional idea has evolved. Retirement is no longer an age; it’s a financial milestone, your freedom date. 

Retirement is one of the most significant challenges we will face in our lives. The landscape has undergone substantial changes over the past generation.