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Tax Saving Secrets From Financial Advisers

Tax Saving Secrets From Financial Advisers

September 02 2019 | Category: Figures and Facts, Money advice

Tax. It’s one of those words that often strikes fear into the heart. Almost as much as seeing the brown envelope from HMRC drop through the door. It’s even worse when you consider that UK taxpayers overpay around £4.6 billion...

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What is Equity Release?

What is Equity Release?

May 27 2019 | Category: Figures and Facts, Money advice

Your home is probably your most financially important asset. Once you’ve paid off that mortgage, however, that property represents a large amount of tied up capital. While you might be happy leaving it there, many people want to...

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How Do ISAs Work?

How Do ISAs Work?

May 20 2019 | Category: Figures and Facts, Money advice

If you are in the fortunate position to be able to save some money for the future, you may be wondering which is the best form of investment. Will you be better off investing in stocks, putting it in some form for ISA, or just lea...

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60% Income Tax Trap

The 60% Income Tax Trap

April 08 2019 | Category: Figures and Facts

The bit of earnings between £100,000 and £125,000 is one of the most highly taxed bits of income. Are you caught out by this effective tax rate of 60%? Not only do you pay 40% tax on this band of icome, but for every £2 earn...

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Spring Statement 2019

March 14 2019 | Category: Figures and Facts

With much of the UK's attention currently drawn to the perpetual Brexit news, you could easily have missed yesterday's Spring Statement. Perhaps reassuringly, there were no major fiscal announcements made by the Chancellor. ...

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1 in 5 adults have no savings

1 in 5 adults have no savings

April 23 2014 | Category: Figures and Facts

Nine million people, or one in five UK adults, had no savings in 2013, a YouGov survey for Scottish Widows has revealed. The survey of 5,000 people found that 67 per cent of UK adults had savings last year, the lowest level sin...

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Siegel’s paradox

November 13 2013 | Category: Figures and Facts

Siegel’s paradox states that if a fixed fraction of a given amount of money is lost and then the same fraction of the remaining amount is gained, the result is less than the original amount. For example if an investor has £10,0...

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Understanding investment risk – Bond markets

February 15 2012 | Category: Figures and Facts

The eurozone crisis has prompted a radical shake-up in the global bond market. Traditionally, bond portfolios have been constructed on the assumption developed market sovereign bonds (government borrowing) are lowest-risk, with ri...

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Depositor Protection Scheme and Your Savings

November 14 2011 | Category: Figures and Facts

Each individual banking license is separately protected by the Financial Services Compensation Scheme (FSCS)’s Depositor Protection Scheme, but the separate trading styles within that license are not separately protected. The...

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