Budget 2016 tax changes: new moves

Posted: Jun 29, 2016

This year's Budget contained many measures which could affect your long term financial planning.

Budgets have become a regular feature of the financial landscape. The March 2016 Budget is the third in twelve months and it revealed some important tax changes:

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Brexit Fallout: what are the implications?

Posted: Sep 18, 2016

The implications for investors of the result of the UK referendum on EU membership will be played out over the months ahead and it is very likely that volatility will persist in the near term. Although we understand investors' concerns, you should not need to make dramatic changes, provided you have a well-diversified portfolio.

 

 

Financial risk needs a different reaction

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Planning for the unexpected

Posted: Sep 18, 2016

The unexpected sometimes happens. The Brexit result, for example, came as a surprise to the bookies, pollsters and markets. On a personal level, how ready are you and your family for the unexpected?

 

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Beware the Autumn Statement

Posted: Sep 19, 2016

This year's Autumn Statement will be the Treasury's first post-Brexit set piece. It will not be an easy exercise.

 

Before the referendum, the then Chancellor George Osborne warned that a Leave vote would be followed by an emergency Budget with £30bn of tax increases and spending cuts. After he found himself on the losing side, Mr Osborne abandoned not only his Budget plans but also his target to end fresh government borrowing by 2020.

 

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How much are you prepared to risk?

Posted: Sep 19, 2016

The outcome of the EU referendum was a reminder that risk comes in many forms, including political risk. Following the decision to leave the institution that has been a core part of our economic and political lives in one form or another for 43 years. We have also seen a change of Prime Minister in mid-term and a vote of no confidence in the leader of the main opposition party. On a national level, that's a lot of risk.

 

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Time for an ISA review?

Posted: Jan 09, 2017

Investors placed over £73 in the cash component for every £100 they subscribed to ISAs, according to recent HMRC statistics for the tax year 2015/16. Overall, about half of all ISAs by value were held in the cash component. However, near zero interest rates mean the tax savings from cash ISAs are correspondingly small. With the advent of the personal savings allowance in this tax year, you may not even need an ISA to receive tax free interest. The value of tax reliefs depends on your individual circumstances. Tax laws can change.

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A third quarter investment lesson

Posted: Jan 09, 2017

If you had been asked at the start of 2016 what would happen to UK shares in the July-September quarter if the Referendum vote had favoured Brexit, the chances are you wouldn’t have predicted a 6% rise. And that almost certainly wouldn’t have been your response if you had been asked the same question at the start of the third quarter – just a week after the vote. 

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