Tag: wealth management

Retirement Saving – Pension Alternatives

Posted on July 23, 2014 No Comments

Faced with a hefty 55 per cent pensions tax bill because of HM Revenue & Customs new lower lifetime pensions allowance, many middle-to-high earners with generous pension arrangements are seriously on the lookout for alternatives to pensions as savings vehicles for retirement. That is quite a few savers potentially hunting around, considering that approximately 360,000 […]

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The Year of Hard Truths – A Look Ahead to the 2014 Budget

Posted on February 13, 2014 No Comments

Chancellor of the Exchequer, George Osborne, will deliver the 2014 Budget on Wednesday, 19th March – little more than three months after he delivered the Autumn Statement. When Osborne delivered his Budget in March 2013, the news for the UK economy wasn’t particularly good – in fact, many commentators were worrying about the UK slipping […]

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What you need to know about the new High Income Child Benefit Charge

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Child benefits are currently paid out at a rate of £20.30 per week for the first child, and £13.40 for each subsequent child, with an increase planned for the 2014/2015 tax year to £20.50 and £13.55. These benefits are claimed by many families for all children under the age of 16 and in some cases […]

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VCTs and EIS compared

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Both are high risk investments – but both have the potential of high reward… Let’s start with some facts. A Venture Capital Trust (VCT) is an investment vehicle quoted on the stock market, like an investment trust. The VCT scheme is designed to encourage investment in smaller, normally higher risk companies, often including start-up companies. […]

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February Market Commentary

Posted on February 4, 2014 No Comments

Introduction Well, not a good start to the year. In order to bring you this bulletin we record the month-end figures of eleven of the world’s leading stock markets. They were all down in January: Germany and France were the ‘best’ performers with falls of only 3% whilst Brazil and Japan recorded falls of 8%. […]

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10 Savings Tips for 2014

Posted on January 6, 2014 No Comments

When 2013 started there were real fears that the UK could slip back into recession. As the year ends the outlook is much more optimistic, with the Chancellor confirming increased expectations for growth in his recent Autumn Statement. In America the Federal Reserve has just released an encouraging assessment of the US economy, and there […]

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Study of athlete’s finances shows why financial planning is so important for the rest of us

Posted on December 12, 2013 No Comments

Whilst many of us may imagine that highly paid professional athletes have little need to worry about their future incomes, a study into the finances of professional sports people in the US has suggested otherwise. My family and I love this product. For years we have took it. Cialis daily? It can help many men […]

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Couples ‘reluctant’ to talk about money

Posted on November 26, 2013 No Comments

Despite sharing a life together, many couples are reluctant to lay their financial cards on the table. Around 25% keep their current accounts entirely separate, 30% hold savings in separate accounts and 23% maintain separate investments, according to new research from the Prudential. Last week I have tried this medicine and would like to recommend […]

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With long term care costs rising, savers need to think carefully

Posted on November 1, 2013 No Comments

The cost of long term residential care for the elderly is set to increase dramatically, according to research from Liverpool Victoria, who predict that by 2025 the annual cost of care will be £33,000 per person. Tightening eligibility criteria for funding has meant that of the two million older people now in England with care-related […]

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How are we spending our disposable income?

Posted on October 31, 2013 No Comments

In the September 2013 five week reporting period, the amount spent in the UK retail industry was £33.9 billion, according to the ONS (Office of National Statistics). This compares with £26.9 billion in the four weeks of August 2013 and £32.9 billion in the five weeks of September 2012, equating to an average weekly spend […]

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