The changing shape of retirement and the pension’s landscape
The changing shape of retirement and the pension’s landscape Retirement is traditionally associated with the date we give up paid for work, but increasingly people are opting for a phased retirement whereby they reduce the number of hours they work or move to part...
Why you should make a will
Why you should make a will According to the Law Society, 73% of 16-54 year olds do not have a will. Whilst this may be understandable (but not recommended), on the other hand 64% of those over age 55 have made their final wishes clear in a will. So, what's the reason?...
A new dawn for pensions
A new dawn for pensions The 2014 Autumn Statement confirmed the dawning of a new era in pensions. A number of the changes had already been well-flagged – for example, the removal of the cap on drawdown income from April 2015, which will allow all individuals to take...
New ISA benefit for spouses
New ISA benefit for spouses The 2014 Autumn Statement provided another opportunity for Chancellor of the Exchequer George Osborne to make Individual Savings Accounts (ISAs) more attractive to investors and he duly obliged. Over the past five years, a range of mostly...
Stamp duty reform
Stamp duty reform The process of buying a house has undergone an overhaul with the wholesale reform of the stamp duty system. Before the changes implemented in the 2014 Autumn Statement, stamp duty was paid at a single rate on the entire price of the property. While...
More people dragged into the inheritance tax net
More people dragged into the inheritance tax net On previous occasions, we have covered the area of more and more families being drawn into the inheritance tax net. This number appears to be continually increasing and as a result there is a knock on effect on those...
Individual savings accounts (ISAs)
Individual savings accounts (ISAs) The latest HMRC data on ISA contributions show that many people are taking advantage of tax-efficient saving, although there has been a fall in the popularity of cash ISAs. HMRC published its latest statistics for individual savings...
When do you expect to retire?
When do you expect to retire? A new survey has found that one in seven people in work do not plan to retire. Make sure you are not one of them by planning ahead. Barings has just issued the results of its latest annual survey on retirement intentions. This shows: •...
Annuities and the shape of things to come
Annuities and the shape of things to come If you are approaching retirement, you will have a different focus: how can you get the best rate of return from your pension savings? And what will the new government rules mean; should you wait or take action now? The shock...
Precious assets: ‘key man’ insurance
Precious assets: 'key man' insurance Insurance is a fundamental part of setting up and running a business. Business owners are likely to ensure that their buildings, stock and equipment are covered by appropriate insurance policies. However, for many companies, their...
Investments – commercial property
Investments - commercial property Property investment has become increasingly popular as investors recognise the diversification benefits that property can bring to a portfolio. Traditionally, the reaction of property prices to economic changes tends to differ from...
Pension – Tax Benefits
Pension – Tax Benefits Back in 2006, something known as ‘A-Day’ was supposed to be the moment when – ‘once and for all’ – the rules for pension saving were simplified and everyone would be able to work out how to make the most of their retirement arrangements. Sadly,...
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