Over the past few years, we have become all too familiar with the effects of an ageing UK population on pensions funding and the gap in state benefits. However, there is another serious issue at stake and it is one that, all too o...
READ ARTICLE
Investing to generate an income used to fall into the ‘straightforward and dull’ camp. Income-seeking investors would focus primarily on cash and UK government bonds or ‘gilts’ – so-called ‘safe-haven’ options that p...
READ ARTICLE Unfortunately the general trend on all savings account interest is currently downward. The reason for this is that the Treasury announced last autumn that banks could borrow virtually unlimited funds for lending from the Bank of E...
READ ARTICLE In the world of investment, timing is everything. However, no matter how much hype we hear to the contrary, it is a fact that no one can predict what the market will do or when. This makes it difficult, not only deciding when to i...
READ ARTICLE Many individuals seem to buy their annuity from their pension scheme provider almost by default. However, did you know that by doing so you may be missing out? Insurers have been fiercely criticised for failing to make it clear...
READ ARTICLE Hidden away in the detail of the 2013 budget was an announcement that the Government plan to undertake a consultation on the options for transferring a Child Trust Fund (CTF) into a Junior ISA. CTFs were scrapped in late 2010 w...
READ ARTICLE When we think about savings, most of us place our money in Building Societies or Banks; not many of us keep a tin under the mattress anymore! With interest rates so low and a recent distrust of banks, many people can be unsettl...
READ ARTICLE Her Majesty’s Revenue and Customs do not like tax avoidance and whilst we all try to do what we can to reduce our liabilities to tax through fair means, we must always be aware that not everything that is promoted as tax efficie...
READ ARTICLE I understand that a number of our clients make donations to charities or Community Amateur Sports Clubs through the use of Gift Aid. The advantage of gift aiding contributions is that the charity can reclaim the 20% basic rate ta...
READ ARTICLE