Passing on parts of an estate without it being subject to Inheritance Tax There are some important exemptions that allow you to legally pass your estate on to others, both before and after your death, without it being subject to Inheritance Tax. Exempt beneficiaries You can give things away to certain people and organisations without… Continue reading Giving away wealth tax-efficiently
Category: Financial News
Mind the ‘pensionsg ap’
Why every adult in the UK needs to save more to retire comfortably Findings from a study published in September by Aviva, in conjunction with accountants Deloitte, are a wake-up call for individuals and governments across Europe. The study concluded that the UK has the largest pensions gap per person in the whole of Europe… Continue reading Mind the ‘pensionsg ap’
ISA Surgery–don’t miss the fast-approaching deadline
Savings Accounts (ISAs) are not actual investments; they are tax-efficient wrappers surrounding your fund choice(s). When you make an ISA investment you pay no income or capital gains tax (CGT) on the returns you receive, no matter how much your investment grows or how much you withdraw over the years. An ISA is an ideal… Continue reading ISA Surgery–don’t miss the fast-approaching deadline
Private sector workers
Figures show the lowest company pension levels since the 1950s The number of private sector workers with a company pension has fallen to its lowest level since the 1950s according to figures from the Office for National Statistics (ONS). Of the total private sector workforce of 23.1m, only 3.3m – some 14 per cent –… Continue reading Private sector workers
Families find discussing their finances and mortality ‘uncomfortable
The effects of ignoring the issue and failing to appreciate the value of protecting your family The latest Aviva Family Finances Report reveals that many UK families are putting luxuries ahead of protecting their loved ones financially. The report discovered that while 50 per cent of families are happy to pay for a satellite television… Continue reading Families find discussing their finances and mortality ‘uncomfortable
The burden of tax in retirement
Savers need to consider all retirement income solutions in order to achieve a degree of certainty The average UK pensioner household pays out 29 per cent of its income in retirement to the taxman through a combination of direct and indirect taxation, which adds up to an annual tax bill of nearly £42bn, new analysis… Continue reading The burden of tax in retirement
Alternative Investment Market shares
Reducing an Inheritance Tax liability on an estate Investing in Alternative Investment Market (AIM) shares is one way of reducing an Inheritance Tax liability on an estate. Qualifying AIM shares offer more Inheritance Tax relief than some other assets and qualify as ‘business property investments.’ If property is held as AIM shares in certain trading… Continue reading Alternative Investment Market shares
Investmen tsolutions
Achieving the most efficient mix of risk and return Do you currently have the most suitable method of holding and structuring your investments to achieve an efficient mix of risk and return that is specific to your particular objectives? And are you fully utilising the income, capital gains and inheritance tax advantages of these investments,… Continue reading Investmen tsolutions
Investing at a time of low interes trates
Investment opportunities when interest rates are low If you are an income-seeking saver in search of good returns from your savings in this low interest rate environment, we can provide you with the professional advice you need to enable you to consider all the options available. In addition, we can help you determine what levels… Continue reading Investing at a time of low interes trates
Investmen tbonds
Putting your money in a range of different investment funds Investment bonds are designed to produce medium- to long-term capital growth, but can also be used to give you an income. They also include some life cover. There are other types of investment that have ‘bond’ in their name (such as guaranteed bonds, offshore bonds… Continue reading Investmen tbonds
