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Uncategorized
July 2018
Countdown has commenced
Uncategorized
July 2018
Are you on track to a financially secure retirement future? When you are at the point of retiring, the new pension freedoms have opened up all sorts of alternative strategies to taking your pension benefits. The very concept of retirement is changing. Read full article
Uncategorized
July 2018
ISA rules and Inheritance Tax
Uncategorized
July 2018
Families set to pay millions in unnecessary tax There’s a fundamental lack of awareness and understanding around Inheritance Tax, especially when it comes to how Individual Savings Accounts (ISAs) are treated after death. Given that some people have been able to amass over a million pounds in their ISAs, it’s an area where lack of knowledge could prove costly. Read full article
Uncategorized
May 2018
Make it a date
Uncategorized
May 2018
Keeping your target retirement plans on track Most over-45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on their pension plans to make sure it is still in line with their plans. Read full article
Financial News Investment
May 2018
Protecting your estate for future generations
Financial News Investment
May 2018
Many individuals find the Inheritance Tax rules too complicated If you struggle to navigate the UK’s Inheritance Tax regime, you are not alone. Whether you are setting up your estate planning or sorting out the estate of a departed family member, the system can be hard to follow. Getting your planning wrong could also mean your family is faced with an unexpectedly high Inheritance Tax bill. Read full article
Pensions
May 2018
Financial freedom
Pensions
May 2018
Deciding what to do with pension savings – even if you’re still working It might seem like a far off prospect but knowing how you can access your pension pot can help you understand how best to build for the future you want when you retire. Read full article
Financial News
May 2018
2018/19 tax changes
Financial News
May 2018
New initiatives you need to know It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us, and a raft of new changes have come into force. The good news is that the overall tax burden is little changed for basic-rate taxpayers, but there are number of areas that have changed that should be taken note of. Read full article
Pensions
May 2018
Retirement wealth
Pensions
May 2018
What’s the right answer for you? The first increase in minimum automatic enrolment (AE) workplace pension contributions came into effect on 6 April[1]. According to research from Scottish Widows, however, one in five Britons (20%) – amounting to more than ten million people – say they’ll work until they’re physically unable to, while one in 20 (6%) – another three million people – say they expect to work until they die. Read full article
Markets Pensions
May 2018
Your money, your choice
Markets Pensions
May 2018
Supporting your future financial requirements You can pay into as many pension schemes as you want; it depends on how much money you can set aside. There are several different types of private pension to choose from, but in light of recent government changes the tax aspects can require careful planning. So what do you need to consider? Read full article
Financial News
May 2018
Generous grandparents
Financial News
May 2018
The bank that likes to say ‘yes’ Forget the Lamborghini – 2.4 million UK grandparents[1] have either raided their pension to support their grandchildren or plan to in the future. According to research from LV=, a quarter of generous grandparents (25%) who have already given away money to their grandchildren[2] have taken the funds from their pension. A further one in six (16%) plan to use their pension for this reason once they reach retirement age. Read full article
Investment Markets
May 2018
Diversification, diversification, diversification
Investment Markets
May 2018
Portfolio building requires different characteristics to evaluate There are many ways to invest and different types of investments. But when looking to build an appropriate diversified portfolio, investors have a number of different characteristics to evaluate. For example, is the investment designed to provide growth or income? Is it domestic or international? Does it have a maturity? Another consideration is whether the investment is actively or passively managed. Read full article