Having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to premature death or illness. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship. We can ensure that you find the right… Continue reading Protection strategy
Category: Financial News
Making the right decision
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 in the event that it is needed. We can make sure… Continue reading Making the right decision
UK Trusts, passing assets to beneficiaries
You may decide to use a trust to pass assets to beneficiaries, particularly those who aren’t immediately able to look after their own affairs. If you do use a trust to give something away, this removes it from your estate provided you don’t use it or get any benefit from it. But bear in mind… Continue reading UK Trusts, passing assets to beneficiaries
Offshore investments
Utilising tax deferral benefits For the appropriate investor looking to achieve capital security, growth or income, there are a number of advantages to investing offshore, particularly with regards to utilising the tax deferral benefits. You can defer paying tax for the lifetime of the investment, so your investment rolls up without tax being deducted, but… Continue reading Offshore investments
Locating a lost pension
Tracing service may provide the help you need! If you think you may have an old pension but are not sure of the details, the Pension Tracing Service may be able to help. They will try and match the information you give them to one of the schemes on their database and inform you of… Continue reading Locating a lost pension
Smoothing out your portfolio’s returns
Increasing the long-term value of your investments In the light of recent market volatility, it’s perhaps natural to be looking for ways to smooth out your portfolio’s returns going forward. Investing regularly can smooth out market highs and lows over time. In a fluctuating market, a strategy known as pound cost averaging can help smooth… Continue reading Smoothing out your portfolio’s returns
Venture Capital Trusts
Wealthier investors taking a long-term view A Venture Capital Trust (VCT) is a company whose shares trade on the London stock market. A VCT aims to make money by investing in other companies. These are typically very small companies that are looking for further investment to help develop their business. The VCT often invests at… Continue reading Venture Capital Trusts
Enterprise Investment Schemes
Attractive tax breaks as part of a diversified investment portfolio Enterprise Investment Schemes (EISs) are tax-efficient vehicles set up to encourage investment into small, unquoted trading companies. Following the changes announced in various Budgets, the EIS is the only tax-efficient investment offering a capital gains tax deferral. Capital gains tax on the disposal of other… Continue reading Enterprise Investment Schemes
Asset allocation
If you put all of your eggs in one basket, you are more vulnerable to risk When deciding whether to invest, it is important that any investment vehicle matches your feelings and preferences in relation to investment risk and return. Hence your asset allocation needs to be commensurate with your attitude to risk. Another key… Continue reading Asset allocation
Estate preservation
Planning to prevent unnecessary tax payments In order to protect family and loved ones, it is essential to have provisions in place after you’re gone. The easiest way to prevent unnecessary tax payments such as Inheritance Tax is to organise your tax affairs by obtaining professional advice and having a valid will in place to… Continue reading Estate preservation
