If you are thinking of retiring in the near future, then you will need to make some important decisions around how to take your income. This is one of the biggest financial decisions you will ever make, and yet data from Hargreaves Lansdown shows that less than half of people understand their options. Awareness is slightly higher for the over 55s – but not by much – it means there’s a real risk of people sleepwalking into bad decisions. This can include buying an annuity that is not right or drawing down too much income early in retirement. This can lead to not having enough income, potentially running out of money, or incurring huge tax bills. All can have a huge impact on your standard of living, and all are avoidable. Those who have access to a financial adviser will have valuable support navigating these processes in the run up to, and through, retirement. There’s also good news on the horizon for those without access to a financial adviser, with targeted support reforms coming in from April. These will enable providers to really step up the support they can offer to their customers by being able to offer options based on what might work for “people like them.” Read more: You could be missing thousands in pension tax relief – here's how to claim it If you want to find out more about your potential retirement options, then see what your provider can offer you in terms of information, such as articles and webinars. There is also government support through the Pension Wise service, which offers free guidance. This can help you understand your options and work out what level of support you are likely to need. Some key questions to consider can include: 1. What level of guaranteed income do I need? The state pension will offer a level of guaranteed income which rises every year, as will a final salary pension if you have one. The other option is to buy an annuity with some, or all, of your pension. Annuity incomes have been riding high in recent years off the back of...

2025. aasta lõpus näitasid LHV Groupi deposiitide kui ka laenuportfelli mahud väga tugevat kasvu. 2025. aastal mõjutas LHV Groupi tulude dünaamikat kogu aasta väldanud intressikeskkonna muutus, mis avaldas survet intressituludele ning teiselt poolt survestas intressikulusid tugev konkurents hoiuste turul. Hea kliendiaktiivsuse kasv ja teenustasutulu aitasid neto intressitulu langust osaliselt tasakaalustada. IV kvartalis oli näha juba neto intressitulu kasvu võrreldes eelnevate kvartalitega. AS LHV Group teenis 2025. aastal kokku 304,8 miljonit eurot netotulusid, mida on 10% vähem kui aasta varem. Neto intressitulud vähenesid aastaga 235,1 miljoni euroni (-14%) ning neto teenustasutulud suurenesid 63,3 miljoni euroni (+5%). Grupi 2025. aasta konsolideeritud kulud ulatusid 159,3 miljoni euroni, olles 8% kõrgemad kui eelmisel aastal. LHV Groupi konsolideeritud puhaskasumiks kujunes 2025. aastal 117,0 miljonit eurot, mis jäi alla 2024. aasta tulemusele 33,3 miljoni euro võrra (-22%). Tütarettevõtetest andis suurima panuse kasumisse AS LHV Pank, teenides 2025. aastal 107,1 miljonit eurot puhaskasumit. UK Bank Limitedi puhaskasum ulatus 5,5 miljoni euroni, AS LHV Varahaldusel 4,1 miljoni euroni ning AS LHV Kindlustusel 2,5 miljoni euroni. Grupi aktsionäridele kuuluva omakapitali tootlus oli 2025. aastal 16,0%. 2025. aasta lõpuks kasvas LHV Groupi konsolideeritud varade maht 10,23 miljardi euroni, suurenedes aastaga 17% ehk 1,50 miljardi euro võrra. Aasta viimasel kvartalil kasvas varade maht 7%. LHV konsolideeritud laenuportfell suurenes 2025. aastal 913 miljoni euro võrra 5,47 miljardi euroni (+20%). IV kvartalis kasvas laenuportfell 4% ehk 231 miljoni euro võrra, millest ettevõtete laenude kasv moodustas 163,9 miljonit eurot ning jaelaenude kasv 67,3 miljonit eurot. Grupi konsolideeritud hoiuste maht suurenes aasta jooksul 1,22 miljardi euro võrra 8,13 miljardi euroni (+18%). IV kvartalis kasvasid hoiused 682 miljoni euro võrra ehk 9%, sealhulgas suurenesid tavaklienti...

At the end of 2025, LHV Group’s deposit and loan portfolio volumes both demonstrated very strong growth. In 2025, LHV Group’s revenue dynamics were influenced by changes in the interest rate environment throughout the year, which put pressure on interest income, while strong competition in the deposit market increased interest expenses. Strong growth in customer activity and fee and commission income helped to partially offset the decline in net interest income. In Q4, net interest income already showed growth compared to previous quarters. In 2025, LHV Group earned total net income of EUR 304.8 million, which is 10% less than in the previous year. Net interest income decreased year-on-year to EUR 235.1 million (–14%), while net fee and commission income increased to EUR 63.3 million (+5%). Consolidated expenses of the Group amounted to EUR 159.3 million in 2025, increasing by 8% compared to the previous year. LHV Group’s consolidated net profit for 2025 totalled EUR 117.0 million, which was EUR 33.3 million lower than in 2024 (–22%). Among subsidiaries, the largest contribution to profit came from AS LHV Pank, which earned a net profit of EUR 107.1 million in 2025. LHV Bank Limited recorded a net profit of EUR 5.5 million, AS LHV Varahaldus EUR 4.1 million, and AS LHV Kindlustus EUR 2.5 million. The return on equity attributable to the shareholders of the Group was 16.0% in 2025. By the end of 2025, LHV Group’s consolidated assets increased to EUR 10.23 billion, growing by 17%, i.e. EUR 1.50 billion year-on-year. In Q4, total assets increased by 7%. LHV’s consolidated loan portfolio increased by EUR 913 million in 2025 to EUR 5.47 billion (+20%). In Q4, the loan portfolio grew by 4%, i.e. EUR 231 million, of which corporate loans increased by EUR 163.9 million and retail loans by EUR 67.3 million. The Group’s consolidated deposits increased by EUR 1.22 billion during the year to EUR 8.13 billion (+18%). In Q4, deposits grew by EUR 682 million, i.e. 9%, including an...

Wereldhave N.V. announces the proposed appointment of Mr. Marcel Eggenkamp as Chief Financial Officer (CFO) and member of the Board of Management. The proposed appointment will be submitted to the...

Kering - 2025 Results - Press Release PRESS RELEASE February 10, 2026 2025 RESULTS: SEQUENTIAL IMPROVEMENT, UNLOCKING THE NEXT PHASE OF SUSTAINABLE & PROFITABLE GROWTH Strengthened balance sheet providing strategic flexibility 2026 outlook: return to growth and margin improvement Capital Markets Day: Kering roadmap to build a leaner, faster Group, focused on enhancing brand desirability to reignite growth Revenue: €14,675 million down 13% as reported and 10% on a comparable basis with Q4 revenue down 9% as reported and 3% on a comparable basis Recurring operating income: €1,631 million Recurring net income attributable to the Group: €532 million Proposed ordinary dividend: €3.00 per share Proposed exceptional dividend: €1.00 per share “The performance in 2025 does not reflect the Group’s true potential. In the second half, we took decisive actions – strengthening the balance sheet, tightening costs, and making strategic choices that lay the foundations for our next chapter. On April 16, during our Capital Markets Day, we will present a clear roadmap to boost the desirability of our Luxury Houses and reignite growth, with well-defined brand strategies, a more effective organization and strong financial discipline. As we enter 2026, the entire team is fully committed to delivering a leaner, faster Kering, enhancing brand positioning and sales, rebuilding margins, and strengthening cash generation to ensure sustainable, long‑term value creation.” Luca de Meo, CEO of Kering At its meeting on February 9, 2026, the Board of Directors of Kering, chaired by François‑Henri Pinault, approved the consolidated financial statements for 2025. The audit procedures on these consolidated financial statements have been completed. The certification report will be issued upon completion of the review of the management report. Following the strategic partnership with L’Oréal for the sale of Kering Beauté, expected to close in the first half of 2026, Kering Beauté activity is reclassifie...

Kering - Résultats 2025 - Communiqué de presse COMMUNIQUÉ DE PRESSE 10 février 2026 RÉSULTATS 2025 : AMÉLIORATION SÉQUENTIELLE, CAP SUR UNE NOUVELLE PHASE DE CROISSANCE DURABLE ET PROFITABLE Un bilan renforcé, qui offre une plus grande flexibilité stratégique Perspectives 2026 : retour à la croissance et amélioration des marges Capital Markets Day : la feuille de route de Kering pour bâtir un Groupe plus agile, plus rapide et déterminé à renforcer la désirabilité de ses Maisons pour relancer la croissance Chiffre d’affaires : 14 675 M€ en baisse de 13 % en données publiées et de 10 % en données comparables avec un chiffre d’affaires au 4e trimestre en baisse de 9 % en données publiées et de 3 % en données comparables Résultat opérationnel courant : 1 631 M€ Résultat net part du Groupe récurrent : 532 M€ Dividende ordinaire proposé : 3,00 € par action Dividende exceptionnel proposé : 1,00 € par action « La performance du Groupe en 2025 ne reflète pas son véritable potentiel. Au second semestre, nous avons engagé une série de mesures déterminantes : renforcement de notre bilan, stricte maîtrise des coûts, et choix stratégiques posant les fondations nécessaires au prochain chapitre de notre histoire. Le 16 avril, lors de notre Capital Markets Day, nous présenterons une feuille de route claire pour accroître la désirabilité de nos Maisons de luxe et relancer la croissance, avec des stratégies de marques précisément définies, une organisation plus efficiente et une discipline financière rigoureuse. En ce début d'année 2026, toutes les équipes sont pleinement mobilisées pour faire de Kering un groupe plus agile et plus rapide, renforcer le positionnement de nos Maisons, dynamiser nos ventes, améliorer nos marges et accroître la génération de trésorerie afin de créer durablement de la valeur ». Luca de Meo, Directeur général de Kering Le Conseil d’administration de Kering s’est réuni le 9 février 2026 sous la présidence de François‑Henri Pinault, et a arrêté les comptes co...

Amsterdam, February 10, 2026 Full year and Q4 highlights Comparable order intake growth 6% in 2025; up 7% in Q4 Group sales of EUR 17.8 billion in 2025, EUR 5.1 billion in Q4; comparable sales growth 2% in 2025, 7% in Q4 Income from operations was EUR 1,424 million in 2025; EUR 540 million in Q4 Adjusted EBITA margin increased 80 basis points to 12.3% of sales in 2025; up 160 basis points to 15.1% in Q4 Operating cash flow of EUR 1,172 million in 2025; EUR 1,391 million in Q4 Free cash flow of EUR 512 million in 2025; EUR 1,200 million in Q4 Productivity savings of EUR 0.8 billion in 2025; delivered 2023-2025 target of EUR 2.5 billion Proposed 2025 dividend of EUR 0.85 per share, in shares or cash at the option of the shareholder Outlook for 2026 published Capital Markets Day Philips sets out plan to drive profitable growth to deliver sustainable value, including new, integrated 2030 Impact Ambitions. Plan comprises three pillars: segment-specific growth strategies, innovation as a key growth driver and continued disciplined execution Philips publishes 2026-2028 financial targets, including mid-single-digit comparable sales growth CAGR over the period and mid-teens Adjusted EBITA margin in 2028 Roy Jakobs, CEO of Royal Philips: “In 2025, we delivered on our commitments as we scaled better care for more people. We strengthened our company while navigating a dynamic macro-environment. We ended the year with strong order growth and sales, robust margin expansion despite tariffs, solid cash generation, and we exit the year with a robust balance sheet. Over the past three years, we have strengthened Philips at its core. Our employees live our culture of impact with care, guided by an expert leadership team. We prioritized quality, built supply chain resilience, and simplified how we operate. This focus delivered customer-driven innovation. We launched the new Azurion neuro biplane platform to advance minimally invasive diagnosis and treatment for neurovascular patients. ...

騰訊控股(00700)出現大手賣出1.13萬股，成交價$551.0，涉資622.63萬 AASTOCKS.com

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格隆汇2月10日｜集运指数(欧线)主力合约日内跌超5.00%，现报1173.2点。

格隆汇2月10日｜安森美半导体公布去年第四季度业绩，营收同比下滑11%至约15.3亿美元，略好于分析师预期的约15.2亿美元；调整后每股收益为0.64美元，远低于上年同期的约0.95美元，仍超过分析师预期的0.62美元。期内，电源解决方案部门营收同比下滑11%至7.24亿美元，智能传感部门收入同比下降17%至2.5亿美元，模拟和混合信号部门收入同比下降9%至5.56亿美元。展望第一季度，安森美预计营收将在14.4亿至15.4亿美元之间，中间值低于分析师预期的15.1亿美元。

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Neo-Concept International ( NCI ) priced its public offering of ~14.85M shares at a public offering price of $0.5454 per share. Gross proceeds are expected to be ~$8.1M. The offering is expected to close on February 11, 2025. The company intends to utilize the net proceeds for expanding its business and for general working capital. More on Neo-Concept International Group Holdings Limited Seeking Alpha’s Quant Rating on Neo-Concept International Group Holdings Limited Financial information for Neo-Concept International Group Holdings Limited

以太币报2050.51美元，跌幅超3%。 免责声明： 风险提示：本文内容仅供参考，不代表同花顺观点。同花顺各类信息服务基于人工智能算法，如有出入请以证监会指定上市公司信息披露平台为准。如有投资者据此操作，风险自担，同花顺对此不承担任何责任。

企查查APP显示，近日，湖南金芙蓉圣湘生物股权投资基金合伙企业（有限合伙）成立，出资额8.2亿元，经营范围包含：以私募基金从事股权投资、投资管理、资产管理等活动。企查查股权穿透显示，该企业由圣湘生物等共同出资。（人民财讯）

唯万密封等在广州成立材料科技新公司 2026-02-10 13:55:18 来源： 同花顺7x24快讯 分享 企查查APP显示，近日，广州唯万特芯材料科技有限公司成立，注册资本1000万元，经营范围包含：电子专用材料制造；电子专用设备销售；半导体器件专用设备制造等。企查查股权穿透显示，该公司由唯万密封等共同持股。(人民财讯)

格隆汇2月10日｜日本40年期国债收益率下跌8.0个基点至3.735%。

格隆汇2月10日丨友达2025年全年营收2813.9亿元台币，净利润68.4亿元台币，预估34.1亿元台币；每股收益0.9元台币，预估0.45元台币。

Astera Labs establishes new R&D center in Israel for AI connectivity By Investing.com Investing.com South Africa

40年期日本国债收益率下跌8.0个基点至3.735%。 免责声明： 风险提示：本文内容仅供参考，不代表同花顺观点。同花顺各类信息服务基于人工智能算法，如有出入请以证监会指定上市公司信息披露平台为准。如有投资者据此操作，风险自担，同花顺对此不承担任何责任。

格隆汇2月10日｜台积电(TSM.US)在目前的夜盘交易中直线拉升，一度涨超3%报366.66美元。消息面上，台积电刚刚公布，1月销售额4012.6亿元台币，首次突破4000亿关卡，同比增长36.8%，较2025年12月增长19.8%。

U.S. Stocks Movement | Taiwan Semiconductor surged over 3% in after-hours trading as its January sales hit a record high. 富途牛牛

文章提及标的 同花顺 -- 据同花顺（300033）iFinD数据，沪深京三市成交额超1.7万亿元，较上日此时缩量1244亿元，预计全天成交金额约2.1万亿元。截至目前，沪市成交额7061亿元，深市成交额9794亿元，北证50成交额150亿元。

字节又一新模型Seedream 5.0上线 对标Nano Banana Pro 2026-02-10 13:51:26 来源： 同花顺7x24快讯 分享 字节图像生成模型Seedream5.0在视频编辑应用剪映、剪映海外版Capcut、字节AI创作平台小云雀均已上线，在即梦AI平台开启灰度测试，图片生成可限时免费体验。新模型对标Nano Banana Pro，能免费体验。(财联社)