In times like these, every penny counts. Interest rates are at historic lows and rising inflation can erode our buying power. But one way to mitigate these effects is to shield savings from tax by investing through an Individual Savings Account (ISA). A flexible ‘wrapper’ An ISA is not itself an investment – it’s a… Continue reading Time is running out
Category: Financial News
Beat the April ISA deadline
Your questions answered Q: What is an Individual Savings Account (ISA)? A: ISAs were set up to give you tax advantages on your savings and investments. There are two types of ISA: Cash and Stocks & Shares. You can earn interest free of UK income tax with a Cash ISA and interest free of UK income and capital… Continue reading Beat the April ISA deadline
Taxation matters
Different investments have different tax treatment Individual Savings Accounts (ISAs) You pay no personal income tax or capital gains tax on any growth in an ISA, or when you take your money out. If you invest in a stocks and shares ISA, any dividends you receive are paid net, with a 10 per cent tax… Continue reading Taxation matters
Freedom of choice
Taking more control over your pension fund investment decisions If you would like to have more control over your own pension fund and be able to make investment decisions yourself with the option of our professional help, a Self-Invested Personal Pension (SIPP) could be the retirement planning solution to discuss. More accessiblity A SIPP is… Continue reading Freedom of choice
Passing on your wealth
Make sure your loved ones get your hard-earned money and not the taxman Estate preservation doesn’t only affect the very wealthy. Rising property prices have meant that it’s now an issue for an increasing number of people. So what are the areas you need to consider to protect your wealth? Write a will A will… Continue reading Passing on your wealth
Planning for the care and support that you may need in later life
Whilst for many of us an increase in life expectancy may seem like good news, it has to be recognised that there are financial implications for those who live longer. Few people take the time to plan for how they would meet the cost of paying for care should the need arise. Care and… Continue reading Planning for the care and support that you may need in later life
The changing face of retirement
A chance to explore new opportunities or carry on working on your terms A generation ago, retirement meant stopping work completely and winding down. By contrast, the present generation – the baby-boomers – are much more likely to see it as a fresh start with a chance to explore new opportunities or carry on working… Continue reading The changing face of retirement
Maximising your retirement income
What you need to consider with less than five years to retirement The closer you get to taking your pension, the greater the need to preserve your savings and ensure they will last all through your retirement. In addition, you’ll need to consider whether you need to make changes to your investments as you approach… Continue reading Maximising your retirement income
Controlling investment risk over time
Achieving some peace of mind through market highs and lows 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. In a fluctuating market, investing regularly – a strategy known as ‘pound-cost averaging’ – can help smooth out the effect of market changes on the value of your investment and is… Continue reading Controlling investment risk over time
Improve your chances of Achieving the retirement you want
We can make sure that your plan is on track for meeting your retirement goals Understanding how much you need to contribute towards a pension in order to produce the income you need or desire in retirement should be a key part of your financial plan. To arrive at this figure, the calculation needs to… Continue reading Improve your chances of Achieving the retirement you want
