Blog

Investment Trusts can be profitable and fun!

Investment trusts have been ignored for too long. They have many features that unit trusts do not possess and this makes investing in an investment trust far more exciting and potentially more profitable than unit trusts. If you invest in “normal” collective investments such as life insurance funds, unit trusts or OEICs – then, if […]

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Lasting Powers of Attorney – important for all

Thinking and talking about what would happen if our faculties deserted us is uncomfortable. That is why it is important to consider Lasting Powers of Attorney. Imagine how much worse the situation would be for your family if you had a stroke, serious accident or dementia without making appropriate arrangements. A catastrophe can happen at […]

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High Rate Tax Payers Pensions

High Rate Tax Payers Pensions have long been mooted as a target for the chancellor. The Tory party plan to significantly change the huge benefits that high rate tax payers enjoy – currently high rate tax payers can get 80% relief on passing monies to their pensions. 40% relief from making contributions and 40% off […]

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Investment Funds Tip: Follow the Manager

Investment Funds Tip: Follow the Manager – If you are an investor it can pay to, before investing, check whether the investment manager is still in place. In the news recently was the departure of the manager of the excellent Newton Asian Income. It clearly is a serious blow for Newton to lose someone of […]

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Premium Bonds

Premium Bonds – We recently received an enquiry from an accountant: Since short term deposits do not attract a great deal of interest and there is only security of capital on up to each £85,000 deposited with each bank – could we recommend anywhere to place short term cash? One area that might be considered […]

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Can I transfer my ISA – if so, how?

Your ISA (NISA) can be made up of a mixture of cash and shares or investments under the NISA rules introduced in July 2014. The ISA/NISA allowance increased to £15,240 on 1 April 2015. The most recent budget provided increased flexibility for savers, so that you can now withdraw cash from your ISA and, so […]

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Pension Performance

Many people suffer from poor pension performance, do they not realise than an additional 1% of performance growth or additional income per annum could increase their pension by a significant amount. hasn’t anyone explained how pensions work ….. I made the point that if George Osborne really wanted to introduce pension freedom then perhaps he […]

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Pensions Freedom?

Pensions freedom is here if you believe what the media says. From April 2015, there is considerably more pensions freedom as new tax rules simplified the way people access their pensions. People will be able to draw sums from their pension and will be taxed at marginal income tax rates rather than the current rate […]

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Will YOU die in the next five years?

Will you die in the next five years?  There is a simple on line test to determine your chances of survival for the next five years, surprisingly this test has been very popular :- Scientists have developed a five-minute online test which they claim can accurately determine someone’s chance of surviving the next five years. […]

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Your State Pension

If you are nearing retirement, you probably can’t wait to get your hands on your state pension, after all you have waited a long time to get some money back from the government , so why not? One reason that you may wish to reconsider is that until April 2016, pensioners who delay taking their […]

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