Whatever your financial goals might be, the ultimate aim is to grow your wealth so that you can enjoy it and pass it on. As your life changes over time, it’s important to ensure tha tyour financial objectives continue to meet your requirements. There are many different tax-efficient ways to grow your wealth. We can… Continue reading A Eureka moment!
Category: Financial News
Annuity challenge
Shopping around for the best deal could really pay off An annuity provides you with a guaranteed income for life when you retire. You buy an annuity using a lump sum from your pension or, perhaps, from some savings. Annuities remove the worry about having to budget for an unknown period of time. We can… Continue reading Annuity challenge
Are you utilising your pension savings efficiently?
A lack of planning could lead to an unexpected 55 per cent death tax on pension savings A worrying number of people in retirement are not utilising their pension savings efficiently, according to statistics revealed by Skandia (30/07/12). This could result in their pension funds being subject to an unexpected 55 per cent tax charge… Continue reading Are you utilising your pension savings efficiently?
Not putting all your eggs in one basket
The principal tenets of spreading risk One of the principal tenets of spreading risk in your portfolio is to diversify your investments whatever the time of year. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’. Diversification helps lessen what’s known as ‘unsystematic risk’, such as… Continue reading Not putting all your eggs in one basket
Creating a wider spread of investments in your portfolio
If your equire your money to provide the potential for capital growth or income, or a combination of both, provided you are willing to accept an element of risk pooled investments could just be the solution you are looking for. A pooled investment allows you to invest in a large, professionally managed portfolio of assets with many other investors. As a resul to fthis,… Continue reading Creating a wider spread of investments in your portfolio
Do you have protection for when you most need it?
Making the right decision to protect your personal and financial situation With so many different protection options available, making the right decision to protect your personal and financial situation can seem overwhelming. There is a plethora of protection solutions which could help ensure that a lump sum, or a replacement income, becomes available to you… Continue reading Do you have protection for when you most need it?
Generate a bigger retirement income
Females could see a jump in pension income from 21 December HM Revenue & Customs (HMRC) confirmed recently that gender neutral income factors will apply to capped income withdrawals. From 21 December 2012, the rates used to calculate the maximum amount of income a female can take from her pension each year in drawdown will… Continue reading Generate a bigger retirement income
Build your own made-to-measure retirement solution
We can help you measure up what type of portfolio best suits your circumstances A pension is one of the most tax-efficient ways of saving for retirement. A Self-Invested Personal Pension (SIPP) is essentially a pension wrapper that is capable of holding investments and providing you with the same tax advantages as other personal pension… Continue reading Build your own made-to-measure retirement solution
Spreading risk in your portfolio
One of the principal tenets of spreading risk in your portfolio is to diversify your investments whatever the time of year. Diversification is the process of investing in areas that have little or no relation to each other. This is called a ‘low correlation’. Diversification helps lessen what’s known as ‘unsystematic risk’, such as reductions… Continue reading Spreading risk in your portfolio
Unit trusts
Participating in a wider range of investments Unit trusts are collective investments that allow you to participate in a wider range of investments than can normally be achieved on your own with smaller sums of money. Pooling your money with others also reduces the risk. A unit trust fund is divided into units, each of… Continue reading Unit trusts
