Doesn't your financial future deserve advice that is
independent?
Investors with longer-term investment objectives often have requirements for regular income and capital growth. The right mix of income and capital growth may depend on whether you need immediate access to your money or you prefer to draw an income and grow your investments over time. Read the rest of this entry »
Retirement may be a long way off for you at the moment, but that doesnít mean you should forget about it. The sooner you start to plan for the future, the easier it is to build up the kind of money you need to enjoy the life you want. Read the rest of this entry »
ISAs are complicated
If you’re already familiar with how savings and investments work, all you need to know about ISAs is that they are simply a wrapper that shelters any gains from tax. Read the rest of this entry »
Few assets are inherently tax-efficient. While growth in the value of oneís principal residence is not subject to capital gains tax, a home is a home and should not necessarily be viewed as an investment. Most assets, however, come with a choice of tax-efficient returns if held through the right structure. Read the rest of this entry »
Will you give a cash loan to family members instead of leaving an inheritance?
A quarter of over-75s and more than a fifth of over-55s in total (21 per cent) have given a cash loan to family members instead of leaving an inheritance, according to Aviva’s latest Real Retirement Report. The findings also show nearly one in ten over-55s regularly give money to family to avoid Inheritance Tax (8 per cent), while a further 20 per cent would do the same. Read the rest of this entry »
Almost 900,000 premium bond prizes worth more than £43m have been left unclaimed, according to National Savings and Investments (NS&I). Read the rest of this entry »
Research by Standard Life reveals that more people are now aware of the tax-efficiency of pensions than a year ago. Almost 2 in 5 people (39 per cent) are aware that the Government automatically adds £1 for every £4 you invest in a pension if you are a basic rate taxpayer[1] (subject to annual limits[2]). In 2012, only 3 in 10 (29 per cent) UK adults said they knew the Government added this level of ëfreeí money to pension contributions. Read the rest of this entry »
New research shows 2 in 5 retirees support their families financially
Two in five people (40 per cent) retiring this year provide financial support to their families which may be at risk as their incomes drop, according to new research from Prudential. Read the rest of this entry »
Providing all is going to plan, it can be immensely satisfying building up assets and increasing your personal wealth but, as you know, life can throw you a problem when youíre least expecting it. Thatís why we believe that the implementation of a robust wealth protection strategy is as important as a wealth creation strategy. Read the rest of this entry »
In May this year, the Queen announced the Pensions Bill, a vital reform that lays the foundation to rebuild the UKís retirement savings system and simplify the State Pension for millions of todayís workers, allowing them to plan their retirement with more certainty. Read the rest of this entry »
