It has been a challenging time for retail in the last 6 months. The COVID-19 pandemic has shifted consumer behaviour dramatically, with stores closing in most countries, and for those that have remained open or been allowed to re-open, footfall has dropped significantly. In response, consumer spending has shifted online, with a corresponding shift to lockdown life with increases in grocery, home and garden, and essential spend.

For many retailers, supply chain issues and store closures have resulted in liquidity concerns, with some retailers unfortunately going into administration or making layoffs. However, there has been some positive news. …

Retail is being impacted dramatically around the globe as a result of the COVID-19 pandemic. Since the UK government ordered the closing of all non-essential businesses on 26th March, consumers have had to shift their lives and purchasing patterns overnight. As they can no longer shop, socialise or partake in wellbeing activites the way they once used to, they are turning to digital ways of fulfilling these needs.

Across the UK, we’ve seen innovative brands come up with new ways to connect to consumers, from restaurants offering ‘cook at home’ kits, gyms delivering home workout content, and grocery stores becoming…

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Today, we launch a new series where we’re chatting to members of the Penfold team, giving you exclusive behind-the-scenes access to the world’s coolest pension company (as voted for by our CEO).

We’re kicking things off with our resident pension expert, Rui Santos, on his financial geekery, his favourite food, and what excites him about Penfold.

Hi, Rui! How long have you been part of the Penfold family?

I’m a newbie- I joined Penfold just over a month ago, after 15 years in ‘traditional’ pension and financial service companies, such as Fidelity and Vanguard. …

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The second in our ‘meet the team’ series, today we meet Joe, developer extraordinaire. Joe’s job is a front-end developer: he links together the world of design and technology, packaging up the utility of the back end in an inviting way for users to interact with. Essentially, making the World’s Coolest Pension company* as user-friendly as possible!

*As voted for by our CEO.

Hi, Joe! Welcome to my makeshift office.

It’s nice. Not at all intimidating to be summoned here to talk about yourself.

How long have you been at Penfold?

I was the fourth employee…

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Welcome back to my favourite blog series, where we get to know different members of the Penfold team. Today we’re with Customer Operations Associate, Ellie, learning about her London life and how she’s navigating working from home.

Hi, Ellie! Welcome to a brand new financial year. What does it have in store for you?

Hi! I think we finally managed to sort our Zoom out. I know- it seems weird that it’s come around so quickly. Rui has been teaching us all about what the new financial year means for our customers. …

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Ah, the taxman. Unlike Santa, or the Easter Bunny, who bring gifts, the taxman taketh away. Boo.

While most of us don’t object to the concept of being taxed, it’s important to make sure that you are making the most of your own individual circumstances to ensure you’re not paying more than you need to. In this blog, we’ll take a look at some of the lesser-known tips that could help you boost the money that’s left in your pocket.

Tip 1: Do you pay tax at a higher rate than 20%? (The basic tax rate)

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Sole trader. Self employed. Director of a Limited Company. A partner. There are lots of different ways to work for yourself these days, and each have different pros and cons. The different legal structures out there have different implications for pensions, too, which we’re going to dive into a little today.

As always, this blog doesn’t constitute financial advice of any kind, and always consider your own individual circumstances before making any decisions.

I’m a sole trader

A sole trader is a self-employed person who is the only owner of their business. This means that there’s…

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One thing’s for certain: 2020 has been a strange year so far. The coronavirus pandemic has hit all of us, in large and small ways. It’s also had huge implications for industries, and the lasting impact remains unclear.

What is clear is that businesses must shape their strategies to capitalise on consumer spend and achieve success in new ways.

It’s hard to believe that we’re already in October, heading into what is traditionally the ‘golden quarter’ for retail, including Black Friday, Cyber Monday and Christmas trading. While consumer confidence might not be what it has been…

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Marketing is tough. When speaking to marketing professionals around our network, we find a number of challenges, a lot of which surround data and gaining true visibility of attribution and ROI. Poorly linked systems mean it’s difficult to determine lead source or customer interactions- resulting in remarketing to the same people, and it’s a difficult balance to get the tone right and drive demand.

We find many of the best marketers are transformation agents, bringing along the whole company with their ability to bring everything back to the customer. Today’s marketers, according to Salesforce’s 6th ‘State…

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2020 has been a little…scary. We weren’t sure whether or not to write a Halloween special blog, because the world doesn’t need more scary things!

But we saw so many retailers doing awesome things to connect to their customers online, we had to give some of them a mention.

We’re predicting that overall, the focus is shifting to Christmas, with an elongated Black Friday and squeezed consumer spending resulting in customers shopping earlier for Christmas gifts. But amongst the early promotions and turkeys on diets, we’ve spotted some great spooky scenes.

Read on…if you dare.

John Lewis

Annabel Fay

Tech Writer and Marketing Consultant.

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