Don’t get caught by ‘Pension Liberation’
Don't get caught by 'pension liberation' Despite tentative signs of economic recovery, times remain hard for many people. The cost of living continues to rise faster than wages and unemployment remains high. For those struggling to finance their day-to-day living, the...
Is your pension performing ?
Is your pension performing? Pensions haven’t had great press, but like any investment to get the most from your money, you need to review regularly. One of our passions is to ensure our clients get value for money and we find that when someone complains about their...
Your investment goals
Your investment goals Investors can be divided into two very broad groups: those investing to generate an income, and those looking for growth. Income investors generally include people about to embark on retirement who are looking to secure a regular income to help...
On your best behaviour
On your best behaviour Investors are strange creatures: they wait until the market has risen before they put money in and then sell out when the market has plunged - or worse, hold on to a floundering stock, waiting for it to get back to the value they paid for it....
Take control of your PENSION
Take control of your pension Although there is no bad time to review your retirement arrangements, with all the changes taking place in the sector, now is a particularly appropriate moment to ensure you are making the most of your pension. Lost and found Research...
Investing in stocks and shares
Investing in stocks and shares The entire 2013/14 tax year Individual Savings Account (ISA) allowance of £11,520 can be invested into a stocks and shares ISA. There is a vast and ever increasing range of different investment options from which to choose, offering not...
Tier 1 Visas
Tier 1 Visas – What are they and how we can help? Tier 1 Visas have been set up to encourage foreign investment. The UK Government and UK Border Agency have created an investment structure that grants indefinite leave to remain in the UK or they can be used as a...
ISA Transfers
ISA transfers: How do you move on? Sometimes, after owning your Individual Savings Account (ISA) for a few years, although you find yourself quite happy with the tax breaks and the provider, you might start to notice the underlying investments are no longer giving you...
What is a “workplace pension” ?
What is a ‘workplace pension’? A ‘workplace pension’ is a pension plan arranged by an employer which is used to save for an employee’s retirement. Workplace pensions can sometimes be known as ‘occupational’, ‘works’, ‘company’ or ‘work-based’ pensions. For employees...
Time for a portfolio health-check
Time for a portfolio health-check Once a financial plan has been put in place, it is tempting to believe that the paperwork can be simply tucked away in a drawer and forgotten. However, like a well-kept garden, a financial plan needs regular tending to ensure it is...
Managing Debt
Managing debt For many people, debt is a necessary part of everyday; few people are able to buy a home without a mortgage, for example. If properly managed, debt can be a useful tool – but it is essential to remain in control. You are unlikely to receive more interest...
Automatic enrolment
Automatic enrolment Is your business ready for the challenge? The Government estimates that millions of people in the UK are currently not saving enough for their retirement. To help solve this problem, the Government has introduced legislation that means every...
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