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Stock Market and Investments

Stock Market and Investments

Tuesday, November 27, 2018

Markets and slumps (like this year!), always relate it to history! Markets go up and down and have periods when share prices don’t perform like investors would like. Here are some stats to understand this within the context of history; In the long... Read More

Pension Drawdown and Tax Codes

Pension Drawdown and Tax Codes

Monday, November 12, 2018

Are you paying too much tax on your pension drawdown? Emergency Tax Code and HMRC When you first commence income drawdown bear this in mind; When the first pensions freedom withdrawal is made it is treated as the first of ‘continuing payouts’... Read More

Tax changes for 2018-9

Tax changes for 2018-9

Thursday, November 8, 2018

Tax changes for next year 2019-20; Personal Allowance £12,500 Higher rate tax band £50,000 Lifetime allowance for pensions £1,055,000 ISA contribution £20,000 Junior ISA £4,368 Corporation Tax 19% Savings Income 0%... Read More

Budget 2018

Budget 2018

Tuesday, October 30, 2018

Here is the link to the Government Policy Paper Budget 2018  Published 29 October 2018 https://www.gov.uk/government/publications/budget-2018-documents/budget-2018 FOR INVESTMENT ADVICE DUE TO ANY BUDGETARY CHANGES AFFECTING YOUR PENSION OR OTHER... Read More

Taking Income From Your Pension

Taking Income From Your Pension

Friday, October 12, 2018

How advisers can help you take Income Drawdown tax efficiently Drawdown is almost always a balancing act between mitigating risk, receiving returns and retaining some flexibility. A successful drawdown strategy involves the ongoing and effective... Read More

What Are Derivatives?

What Are Derivatives?

Tuesday, October 9, 2018

WHAT ARE DERIVATIVES? Derivatives are not a separate asset class but are contracts usually giving a commitment or right to buy or sell assets subject to specified conditions, for example on a set date in the future and at a set price. The value of a... Read More

Do You Need A Pension Transfer Specialist?

Do You Need A Pension Transfer Specialist?

Monday, October 1, 2018

So what is a Pension Transfer Specialist according to the FCA? This is an extract from the recently published FCA guidance concerning who qualifies as a Pension Transfer Specialist; “The requirement for a PTS to hold qualifications for both a PTS... Read More

Calculating Your State Pension

Calculating Your State Pension

Tuesday, September 25, 2018

State Pension, how to calculate it How do you know what state pension you will receive at your retirement date? Request your state pension statement (this is free to obtain, call 0800 7310175). Whatever it is (let's say it's the maximum £164.35 -... Read More

What Happens to My Pension if I Divorce?

What Happens to My Pension if I Divorce?

Tuesday, July 10, 2018

Methods for pensions under divorce Offsetting – i.e. you keep the house, I’ll keep the pension. This is only really an option when the solicitors are thrashing it out if a couple are asset rich for obvious reasons i.e. you cannot live in a... Read More

The Legal Structures of Pension Schemes

The Legal Structures of Pension Schemes

Tuesday, June 12, 2018

The Legal Structures of Pension Schemes There are 3 types of legal structure; Trust based Personal schemes Established under a trust deed. Run subject to trust deed and rules. Trust company established to implement oversight and compliance. Lots... Read More

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