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April market commentary
March was a month which began with headlines about the Greek debt crisis and the impending ‘final deadline.’ By the end of the month the focus – in Britain at least – had shifted to Granny Tax, Cornish…
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Reduction in Lifetime Allowance
Last October the Government announced a reduction in the lifetime allowance – put simply, the amount of money you’re allowed to have in your personal pension fund – from £1.8 million to £1.5 million. The majority…
Read moreGuarding against Inheritance Tax biting into your estate
As you may be aware, Inheritance Tax is essentially a voluntary tax but potentially an expensive tax for the beneficiaries of your Estate. It is never too early to start planning where Inheritance Tax (IHT) is concerned. At…
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Beware of the dog – the importance of monitoring funds regularly
If you watch the money programmes on TV or read the financial pages of the newspapers, you might have come across the term ‘dog fund.’ What does the term mean? And why is it so important to the…
Read moreBudget 2012 Report
Summary The Chancellor presented his third full Budget since the coalition Government took power on Wednesday, 21st March 2012. Billed as ‘the budget for working people‘ with a promise to ‘back business‘, Mr Osborne highlighted the Government’s commitment…
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Pension tax relief changes – what does it mean for you?
The annual allowance for tax-privileged pension saving was reduced from £255,000 to £50,000 in the 2011/12 tax year. Now the lifetime allowance on money that can be accrued in a pension fund and still receive tax relief, for…
Read moreMarch market commentary
On Monday February 27th the German Bundestag approved the Greek bailout by 496 votes to 90. A few days earlier consent had finally been wrung from the Greek politicians, and the €130bn bailout now looks to be in…
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Ten top tax saving tips
As I’m writing this, the end of the tax year is 34 days away. By the time you read it, the deadline will be a lot closer. Nobody likes paying tax, so it makes sense to do whatever you can…
Read moreWhat’s in a name – a guide to financial advisers
The Financial Services industry is going through a period of change, brought on by new regulations in part aimed at increasing transparency for the consumer. The key changes are that from January 2013 commission will be banned and…
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Work longer, live longer!
New statistics published in February 2012 by the Office for National Statistics (ONS), reveal that people are working longer than they used to. The average age at which people leave the labour market – a proxy…
Read moreISAs gathering dust, not interest?
An increasing number of new cash ISA products are being sold with additional interest as a bonus percentage, usually for no more than the first year. Investors who do not review their ISA holdings on at least a…
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Savers left short-changed by unfair annuities system
The National Association of Pension Funds (NAPF) and the Pensions Institute (PI) at Cass Business School published a joint report early in 2012, suggesting that around half a million people retiring each year are being short-changed by up…
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