As we are coming to the end of the tax year, many investors might ask themselves whether it is better to use your annual ISA allowance or Pension allowance. The simple answer is both if you have the capital available to do this.
However if you only have a limited amount of money, which route is
Read more ...
Created on: Thu 15 March 2012 16:59
Last modified: Thu 15 March 2012 17:10
A number of open market option providers, along with campaigners are planning to launch an annuity comparison service.
The service is to be launched to raise the benefits of shopping around for the best annuity rates.
Many products such as Personal pensions and stakeholder plans give the
Read more ...
Created on: Tue 13 March 2012 15:55
Last modified: Never
This article was posted in
Pensions Advice and tagged with
Pensions Advice,
annuity
The latest edition of our Smart Money Magazine is now available to download
Topics covered in this months edition
- Navigating the Pensions Landscape
- End of Year Tax Planning
- Beat the ISA Deadline
- Making a Will
- Speading Investment Risk
To get a copy of the latest edition please
click here
Created on: Fri 09 March 2012 15:34
Last modified: Mon 12 March 2012 07:14
The High Court, will today here an appeal from Unions over pensions. The appeal relates to the use of the Consumer Prices Index when calculating pension indexation as opposed to the previous method of using the Retail Prices Index (RPI).
The unions have argued that the change will affect the
Read more ...
Created on: Mon 20 February 2012 11:43
Last modified: Never
This article was posted in
Pensions Advice and tagged with
Pensions Advice
The Pensions regulator seems to be at loggerheads with the Trustees of one of the UK’s largest pension schemes.
It has been revealed that the BT Pension scheme has a deficit of over £9billion as at December 2008. The regulator has raised concerns about certain aspects of the plan to reduce the
Read more ...
Created on: Thu 11 February 2010 15:28
Last modified: Thu 11 February 2010 15:28
Concern has been raised by the CBI (Confederation of British Industries) about final salary pension schemes and the impact on the UK in recession.
The recent report, surveyed the management of the UK‘s largest companies about pensions generally. The concern was raised about the costs to companies
Read more ...
Created on: Mon 07 December 2009 14:39
Last modified: Mon 07 December 2009 14:39
People saving in Stakeholder and Group Personal Pensions are losing thousands of pounds each year because they are only getting half the tax relief they are due. Although Retirement Planning is an effective way of saving, many people do not claim the full tax relief that might be available.
But up
Read more ...
Created on: Tue 24 November 2009 12:50
Last modified: Wed 08 February 2012 09:29
We have recently published our creating wealth publication.
It is available free of charge.
To download a copy, please go to our resources page.
Created on: Thu 17 September 2009 13:11
Last modified: Thu 09 February 2012 06:57
This article was posted in
General info and tagged with
Pensions Advice,
Cash ISA,
deposits,
financial,
financial advice,
financial planning,
iht,
independent financial advisors,
individual savings accounts,
inheritance tax planning,
interest rates,
investment,
self invested personal pension,
stakeholder pensions,
tips on saving money,
wills
A recent channel 4 report of the amount of money invested into stakeholder pensions shows grim results. According to the ABI (Association of British Insurers) Sales in pensions fell by 28% compared to the previous 12 months. The total amount of money also invested into pensions fell by 22% over
Read more ...
Created on: Tue 25 August 2009 12:38
Last modified: Wed 08 February 2012 09:33
Created on: Tue 25 August 2009 09:44
Last modified: Thu 09 February 2012 06:36
For my latest Article on Stakeholder pensions go to http://www.squidoo.com/stakeholder-pensions
Created on: Mon 03 August 2009 13:04
Last modified: Wed 08 February 2012 09:35
We have recently produced our Investment Process document. The aim of the document is to provide a framework for advising clients on their investments in the current turbulent times.
The Investment Process acts as a frame work, helping our clients to understand how we make investment
Read more ...
Created on: Tue 12 May 2009 12:54
Last modified: Tue 12 May 2009 12:54
Your questions answered
It’s not something we usually contemplate during our working lives, but many of us could spend almost a third of our life in retirement. Even if your retirement isn’t on the near horizon it’s never too early to start planning. A pension is one of the most effective
Read more ...
Created on: Sat 14 March 2009 22:08
Last modified: Wed 08 February 2012 09:42
Simplified set of rules ends the previous tax frameworks for pensions
From 6 April 2006, also called ‘A-Day’ or ‘pensions simplification’, life changed for retirement savers as the government brought in a new simplified set of rules, effectively bringing to an end the eight previous tax
Read more ...
Created on: Sat 14 March 2009 22:02
Last modified: Wed 08 February 2012 09:43
Give yourself plenty of time to think through the options
Turning your pension savings into an income for the rest of your life is one of the most important financial acts you will ever make.
Choosing the right deal may determine your income for perhaps the next thirty or more years, and possibly
Read more ...
Created on: Fri 13 March 2009 08:08
Last modified: Thu 09 February 2012 07:26
Well, its official, the Bank of England announced that the UK is in a deep recession with the prospects of the economy contracting in size over the next twelve months.
The doom and gloom we all see on the TV each day is enough to make us reach for the happy pills, but there are things we can do
Read more ...
Created on: Thu 12 February 2009 10:34
Last modified: Wed 08 February 2012 20:53
Schroders intends to streamline its UK equity fund range by merging the UK Select Growth fund into its UK Equity fund.
Schroders is in the process of writing to unit holders to outline its proposals. Schroders said it made sense to merge the portfolios given the similarities in their investment
Read more ...
Created on: Wed 11 February 2009 12:50
Last modified: Thu 01 March 2012 08:22
Most of us feel the Government take more than their fair share of tax , however how many of us actually make use of all the tax breaks available to us.
Tax advantageous investments such as individual savings accounts (isa’s) allow each eligible person to invest up to £7,200 each tax year. As
Read more ...
Created on: Tue 10 February 2009 10:22
Last modified: Thu 09 February 2012 07:25
For many employees salary sacrifice could be the ideal way to enhance the contributions into your pension arrangement.
Salary sacrifice is an agreement between the employer and employee.
the employee agrees to take a reduce salary in exchange for their employer making a pension contribution.
Any
Read more ...
Created on: Fri 06 February 2009 14:32
Last modified: Fri 06 February 2009 14:32
Make the most out of your investments.
