News
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07 December 2011
Will You Live to be 100?
The chances of reaching your century are probably greater than you think.
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07 December 2011
Annuity rates continue to shrink
Falling government bond yields and increasing lifespans are pushing down annuity rates.
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07 December 2011
Getting ready for 1 October 2012
It may be nearly a year away, but if you are an employer, you should be preparing for 1 October 2012.
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07 December 2011
How low can you go?
The base rate may not have moved, but some other interest rates are hitting ultra-low levels. It may be time to take a closer look at your investments.
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07 December 2011
Navigating choppy waters
Many people become concerned when they see stock markets displaying the kind of high volatility they have in recent weeks.
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07 December 2011
The Junior ISA arrives
1 November marked the launch of Junior ISAs.
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07 December 2011
Missed the filing date for your paper tax return?
Have you remembered that if you missed the 31 October filing date for your 2010/11 paper tax return, then you must file online by 31 January 2012?
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07 December 2011
What risk means to you
Like most emotive words, ‘risk’ means different things to different people. When such an emotive word is used in the context of money, it can cause not just anxiety but confusion.
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07 December 2011
Swiss tax agreement to catch evaders
The UK Treasury has signed an agreement with Switzerland about UK tax evaders.
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07 November 2011
Junior ISAs: investing in your child’s future
A recent study by research firm HL Research suggests that children born in 2011 can expect to pay £98,000 to cover the full costs of studying for a three-year degree course.
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31 October 2011
SIPPs: Your flexible friend for commercial property purchase
investors are enjoying the benefits of self-invested personal pension plans
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31 October 2011
Bracing yourself for the student debt challenge?
Is it really possible to put a price on the experience of going to university?
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31 October 2011
Pension changes 2011: what you need to know
There are some significant changes coming soon to the way in which pensions work. It’s important that you are aware of these changes as they may affect your pension. By acting now, you may be able to minimise any loss in the overall benefit that you get.
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31 October 2011
Spring Budget changes to the fore
Mr Osborne’s second Budget managed to produce a few surprises, in spite of all the changes his first Budget contained.
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31 October 2011
Could you live on £140 a week?
The Government has finally revealed its thinking on the future of state pensions, and it really is food for thought.
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31 October 2011
Be alert to inflation changes
Inflation has not been within the Bank of England’s (BOE’s) limits since 2009, and it is still on the rise. What are the implications?
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31 October 2011
An ISA is not just for March
It is one of the curiosities of personal finance that marketing for individual savings accounts (ISAs) is concentrated at the end of the tax year.
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31 October 2011
Protection insurance changes on the way
Is it different for girls? Not any longer ... you may have heard about the recent European Court of Justice (ECJ) ruling on gender discrimination which means that insurers can no longer charge different rates for men and women
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31 October 2011
Don’t waste the personal allowance
The personal allowance rose by £1,000 in April – it might be a good idea to use it.
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31 October 2011
Test-Achats decision bites
Belgians, gender and annuities might be an unlikely combination, but it could be important for your retirement income.
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11 October 2011
The changes following on from the 2008 Pensions Act are fundamental
The 2008 Pensions Act requires all employers in the UK to automatically-enrol all of their eligible employees into a Qualifying Workplace Pension Scheme and pay contributions towards their employees’ pensions.
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11 October 2011
The 43 Steps (and 6 Stages)
Every employer in the UK has already been allocated a ‘go live’ date for the new pension reforms in one of six broad stages containing 43 separate steps starting on 1st October 2012 and ending on 1st September 2016. Those six stages are as follows:
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11 October 2011
Minimum contribution from employers will be increased over time
A Qualifying Workplace Pension Scheme (a QWPS) will eventually require a total annual contribution of 8% of a band of earnings called Qualifying Earnings if it is to pass muster.
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11 October 2011
EMPLOYEES: How auto-enrolment will work
Eligible employees must be auto-enrolled into a Qualifying Workplace Pension Scheme. An eligible employee is an employee aged between 22 and State Pension Age and who is earning more than the personal allowance for Income Tax.
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11 October 2011
Coalition Government gives the green light to the 2012 pension reforms
The Pensions Act 2007 and the Pensions Act 2008 have together instigated the most fundamental change to the UK pension system for over half a century.
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11 October 2011
Pensions++ October 2012
Now that the new Coalition Government has had time to
assess the pension reforms that were put onto the
statute book in 2007 and 2008 we are able to report
that the pension reforms due to start being implemented
from October 2012 are going ahead as planned.
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03 October 2011
Can’t see the wood for the trees?
If you can’t, often it pays to step back, ignore all today’s news and take a long-term view.
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03 October 2011
Pension planning for 2012/13
It may seem some months away, but it is already time to start thinking about pension planning for next tax year.
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03 October 2011
Securing your income
What would happen if illness forced you to stop working? Recently published statistics from the Department for Work and Pensions (DWP) suggest that help from the state may be hard to come by.
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03 October 2011
A Saturday year end?
f your company’s financial year end is Saturday, 31 December, it will soon be time to start planning.
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03 October 2011
Nearing NEST
The National Employment Savings Trust (NEST) is due to launch in October 2012
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03 October 2011
A new KIID on the block
Investment fund information is changing.
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03 October 2011
Paying to learn
Decades of subsidised degrees grind to a halt next year, when many universities will be charging students the maximum annual fee for their courses. It may be a lot more than you bargained for.
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02 June 2011
Corporate Finance - Investment from outside individuals
A closer look at Enterprise Investment Schemes (EIS) and Enterprise Management Incentives (EMI)
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23 May 2010
Corporate transactions
Corporate transactions are moving forward but the consideration dynamic have changed
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