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The Budget 2014 announced unprecedented flexibility and choice in how people can use their pension savings in the future. From 6 April 2015, people over 55 can choose to withdraw their pension savings as they wish, although this will be subject to their marginal rate of income tax in that year. Read the rest of this entry »
HM Revenue & Customs (HMRC) has confirmed that new proposals for a single nil rate Inheritance Tax (IHT) band for trusts will not be applied to existing trust arrangements, where no further assets are added or variations made to that trust. Read the rest of this entry »
Over the course of your working life, the chances are you’ll change jobs a few times, picking up different pension pots along the way. Read the rest of this entry »
Almost half (47%) of Britons are up and down when it comes to money, making shrewd savings one moment to justify overspending the next, according to research from Standard Life by YouGov Plc. Read the rest of this entry »
The number of people saving adequately for retirement at 53% is the highest it has been since 2009 and the biggest ever year-on-year rise, up from 45% in 2013, as the impact of auto enrolment and improvements in the wider economic environment begin to take effect. Read the rest of this entry »
More than one in three people approaching retirement are unaware of the pensions reforms announced in the March Budget, according to new research[1] from MetLife. Read the rest of this entry »
It has been a long wait, but animal spirits are finally stirring again. Not just in financial markets, where the bull market has been underway for more than five years now, but in the real world of corporate activity. Read the rest of this entry »
Forget the bank of Mum and Dad – today’s young people are now receiving help from the bank of Gran and Grandad, with millions of grandparents offering financial support to their grandchildren. Read the rest of this entry »
Investors like to sort things into neat categories; it helps make sense of a highly complex world. Categories like ‘Emerging Markets’, ‘BRICs’ and the ‘Fragile Five’ have all been invented as easy-to-understand groupings of supposedly similar countries. Yet we have to be careful of such generalisations, because the more research you do, the more you realise that there are often more differences than similarities between these groupings. Read the rest of this entry »
It’s important to review your pension planning regularly to make sure it still meets your specific requirements. Over time, your circumstances may have changed, so we have provided ten areas that, if appropriate to your particular situation, should be reviewed. Read the rest of this entry »
