Tag: Junior ISA

IFP’s 2014 Budget Overview

Posted on March 20, 2014 No Comments

The Chancellor delivered his 2014 Budget to Parliament yesterday and it proved to contain both big changes to ISAs and the biggest pension reforms for many years. The changes were ambitious and wide-reaching and give both savers and retirees new options to consider in their financial planning. In order to help to put the Chancellor’s […]

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Hints & Tips for the Tax Year End

Posted on February 21, 2014 No Comments

As always, the end of the tax year is an important date in anyone’s financial planning calendar. In most cases, tax allowances end with the tax year: making the best use of them while they are available can mean a big difference to the eventual returns from your savings and investments. We have therefore put […]

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Building a Personal Savings Portfolio

Posted on July 16, 2013 No Comments

We are all being encouraged to save for our futures, while at the same time many of us feel discouraged by low interest rates and returns on our savings. Critically, many of us see the value of our savings over time, just not keeping up with inflation –  we feel that what we put away […]

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ISAs in 2013/14: a basic guide

Posted on May 1, 2013 No Comments

An ISA is a type of savings account which enables you to keep all that you receive from that investment and not pay any tax on it. ISAs began in 1999 and should be around for the foreseeable future. You can start with small amounts and save up to £11,520 in the tax year 2013-14. […]

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The problem with Cash ISAs

Posted on April 14, 2013 No Comments

It is the fourth anniversary of UK interest rates falling to a record low of 0.50% and no signs of this changing in the near future with the Bank of England recently hinting at the possibility of a negative base rate. This is continuing bad news of the UK's savers. Although by shopping around you […]

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Which? survey reveals worrying trend

Posted on April 1, 2013 No Comments

In a recent Which? investigation, some of the UK’s biggest banks were identified as failing to give the right advice when it comes to transferring and managing their Cash ISAs. In the investigation, Which? placed 180 calls to 15 leading banks and building societies to assess the quality of advice given to people who want […]

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Financial planning for the end of Tax Year

Posted on February 4, 2013 No Comments

The nights are finally starting to get a little lighter – maybe we can start looking forward to Spring after all. In financial services, Spring means two things; the Budget (on March 20th this year) and the end of the tax year on Friday April 5th. This article gives some suggestions on financial planning steps […]

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Financial planning in your twenties, thirties and forties

Posted on January 24, 2013 No Comments

This is the first of two articles where we look at ‘financial planning through the decades:’ how your financial planning needs change through the various stages of your life. Clearly the average client’s planning needs are completely different in their twenties to their fifties and, while it’s true to say there’s no such thing as […]

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How to make your child a millionaire

Posted on January 22, 2013 No Comments

”How to make your child a millionaire – through regular investing and using perfectly legitimate tax dodges’’ – the headline of a recent article in the Daily Mail. Reading this article also makes it clear that we need to be well off to achieve this aim, and even more so, if we have more than […]

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10 Most Common ISA Questions Answered

Posted on January 1, 2013 No Comments

Christmas is over for another year, which means it’s not long – hopefully – before the first signs of Spring appear and we start to turn our attention to the end of the financial year. For many investors and savers this means making sure they contribute to an Individual Savings Account (or ISA, as they’re […]

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