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Investment
November 2019
With-profits funds
Investment
November 2019
  Fewer ups and downs than investing directly in shares If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a with-profits fund. These aim to give you a return linked to the stock market but with fewer ups and downs than investing directly in shares. However, they are complex and are not as popular a form of investing as they used to be. Read full article
Retirement Planning
November 2019
Lasting the distance
Retirement Planning
November 2019
  The early retirement dream lives on, but at what cost? Whether you choose or need early retirement, having a plan can give your money the best chance of lasting the distance. Whether lifestyle preferences or circumstances beyond your control are behind your decision to retire early, you’ll need to make a plan to help your retirement savings last, while still enjoying your favourite comforts in life. Read full article
Tax Planning
October 2019
New tax year
Tax Planning
October 2019
  The key changes you need to know You want to pay the minimum amount of tax legally possible. We want that for you, too. The 2019/20 tax year started on 6 April and in general taxpayers will have more money in their pocket after increases to allowances came into force, but there are a few losers, in particular those selling shares and buy-to-let landlords. Read full article
Insurance
October 2019
Life insurance options
Insurance
October 2019
  When it comes to your life insurance, you’ve got options If you want to continue to make sure your family are looked in the event of your premature death, then you should consider your life insurance options. Life is complicated and can be unpredictable, so it’s important that you assess which different types of life insurance match your requirements. Read full article
Pensions
October 2019
Unlocked pension savings
Pensions
October 2019
  Critical gap in consumer awareness Drawdown allows most pension holders to withdraw a tax-free lump sum and reinvest the remainder as an income. But hundreds of thousands of DIY drawdown investors are unaware they can scale back or stop their withdrawals, putting them in danger of draining their retirement savings too rapidly, according to new research[1]. Read full article
Tax Planning
October 2019
Stocks & Shares ISAs
Tax Planning
October 2019
  Investing in a wide range of different tax-efficient investments Individual Savings Accounts (ISAs) can be used to hold stocks and shares or cash, or any combination of these, up to the current annual limit. An ISA is a tax-efficient ‘wrapper’ that can be used to help save you tax. Read full article
Inheritance Tax
October 2019
Residence nil-rate band
Inheritance Tax
October 2019
  How to apply the additional threshold The Inheritance Tax residence nil-rate band (RNRB) came into effect on 6 April 2017. The RNRB provides an additional nil-rate band where an individual dies on or after 6 April 2017, owning a residence which they leave to direct descendants. During the 2019/20 tax year, the maximum RNRB available is £150,000. This rises in £175,000 in 2020/21, after which it will be indexed in line with the Consumer Prices Index. Read full article
Pensions
October 2019
What you need to know
Pensions
October 2019
  Winners and losers under the new State Pension The figures for people qualifying for the full new State Pension following its introduction in April 2016 reveal almost two in five pensioners (365,290 people, or 38% of claimants) receive less than £150 a week, while a further 314,290 people (33% of claimants) receive more than £150 a week[1]. Read full article
Trusts
October 2019
Investment trusts
Trusts
October 2019
  Making money by investing in other companies An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments. Read full article
Retirement Planning
October 2019
Retirement resilience
Retirement Planning
October 2019
  Taking the reins and having more control over your pension pot Saving for retirement is one of our greatest financial priorities, especially as life expectancy is growing and retirements are likely to last longer. It may be the case that you’d prefer to take the reins and have more control over your pension pot. For appropriate investors, one option to consider is a Self-Invested Personal Pension (SIPP). Read full article