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SIPPs explained
- 3rd July 2019
- Posted by: shayne
- Category: SIPPs
No CommentsSIPPs explained Pension saving with flexible investment options. Having celebrated its 30th birthday this year, the self-invested personal pension (SIPP) remains a popular choice for savers who want to take control of their pension investments. SIPPs were announced in the 1989 Budget by then-Chancellor Nigel Lawson, who proposed to “make it easier for people in
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Protecting your business
- 2nd July 2019
- Posted by: shayne
- Category: Business
Protecting your business How to create a business insurance strategy. Who would pick up the bill if something happened to the people you employ, the building you work in, or the equipment you use? Not having business protection in turbulent times has forced some firms to cease trading. With the number of ‘business deaths’ in
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Wealth Knowledge – June 2019
- 5th June 2019
- Posted by: shayne
- Category: Wealth Knowledge
Savers withdraw £25.62bn through pension freedoms The total amount of withdrawals made using pension freedoms since April 2015 has risen to £25.62 billion. People aged 55 and over have benefitted from more choice when it comes to accessing their pension savings from 2015/16. Since then, government statistics show the amount of money withdrawn by over-55s
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The rules of intestacy
- 4th June 2019
- Posted by: shayne
- Category: Estate Planning
The rules of intestacy Who can inherit if there is no will? When someone dies without leaving a legally valid will, their estate is distributed in line with a set of rules covering what is known as intestacy. Subsequently, if you die without making a will, you will be defined as an intestate individual. The
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Investing in small companies
- 3rd June 2019
- Posted by: shayne
- Category: Investment
Investing in small companies The three main tax schemes to help you invest. By their nature, small and relatively new companies tend to be considered a higher-risk investment than buying shares in larger, better-established businesses. At the same time, they can come with greater potential for growth, more opportunities for mergers and acquisitions, and a
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Wealth Knowledge – May 2019
- 10th May 2019
- Posted by: shayne
- Category: Wealth Knowledge
Oblivious workers over 65 ‘are being taxed on their state pension’ Up to half a million workers could be paying unnecessary tax on their state pension, Royal London has claimed. Around 1.1 million over-65s were in employment in 2017, with roughly 950,000 of those receiving a wage alongside drawing their state pension. The mutual insurer
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The Importance of Retirement Saving
- 10th May 2019
- Posted by: shayne
- Category: Retirement
The importance of retirement saving When, why and how to start. There’s no doubt that the older you get, the faster time flies, and with it comes less time to plan for a comfortable retirement. Saving for retirement can be a challenge, particularly when your income is diverted by other priorities, such as saving for
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Reclaiming overpaid tax
- 2nd May 2019
- Posted by: shayne
- Category: Tax
Reclaiming overpaid tax How to claim tax back through PAYE or self-assessment. Nobody likes paying tax, but most people would like to receive a brown envelope through the post from HMRC containing a tax rebate. Over the next couple of months, the Revenue will start issuing notifications to people who have paid too much tax
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Wealth Knowledge – April 2019
- 5th April 2019
- Posted by: shayne
- Category: Wealth Knowledge
Contractors urged to seek advice on loan schemes Contractors whose employers paid them through loans from offshore trusts are being urged to speak to HMRC as soon as possible or risk receiving huge tax bills. Up to 50,000 contractors in the UK are believed to have benefitted from the lower income tax rates applied under
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Enhanced annuities
- 5th April 2019
- Posted by: shayne
- Category: Pension
Enhanced annuities Could you qualify for extra income in retirement? Your height and weight, your blood pressure levels and whether or not you smoke might not seem like information you’d want to give your pension provider. In some cases, however, these details could make a significant positive difference to your income in retirement, by making