What the Back to the Future ripple effect could teach you about financial planning

It’s been 40 years since Back to the Future first hit the big screen, and surprisingly, this time-travel classic could provide some valuable lessons for your employees’ finances.

Our latest guide explores how the “ripple effect”, the idea that small decisions today can create big impacts tomorrow, applies to financial planning. The guide provides practical and enlightening insights, covering topics such as starting pensions early and preparing for unexpected events. Your employees will discover how today’s decisions could shape their financial timeline.

Please note: This guide is for general information only and does not constitute financial advice, which should be based on your individual circumstances. The information is aimed at retail clients only.
The Financial Conduct Authority does not regulate cashflow planning, tax planning, or estate planning.
A pension is a long-term investment not normally accessible until 55 (57 from April 2028).
The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.
The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change is subsequent Finance Acts.
The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance.
Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.
Accessing pension benefits early may impact on levels of retirement income and your entitlement to certain means tested benefits. You should seek advice to understand your options at retirement.

Secondsight is a trading name of Foster Denovo Limited, which is authorised and regulated by the Financial Conduct Authority.