Time to aim for higher returns

Taking a different approach to investments can generate greater wealth

When it comes to taking investment risk to secure a higher return, those aged 55 and over are most likely to be taking the lead with Stocks & Shares Individual Savings Accounts (ISAs), according to research from Standard Life (08 April 2013). Over one in ten (11 per cent) of 55 and overs invest in the stock market via their ISA, compared to just 7 per cent of 35 to 44-year-olds. Continue reading “Time to aim for higher returns”

Gender neutrality changes

Women retirees could boost pension income by 67 per cent

The combination of the recent rise in gilt yields, positive market performance, gender neutrality changes, and the 20 per cent uplift in income levels announced by the Government earlier this year, can provide a substantial boost to the level of income available for female pensioners. Continue reading “Gender neutrality changes”

Estate preservation

Helping you to look after and maintain your wealth in the most efficient way

If you are UK domiciled, Inheritance Tax (IHT) is currently charged at 40 per cent and is payable on your estate once your net assets exceed £325,000. For some married couples and registered civil partners, any unused percentage of the available allowance from the estate of the first to pass away may be claimed when the second spouse dies. Once the domain of the super-rich, wide-scale home ownership and rising property values have meant that more and more people need to implement an estate preservation strategy to protect their wealth. Continue reading “Estate preservation”

What would you do if you lost your job tomorrow?

What would you do
if you lost your job tomorrow?

30 per cent of working adults think they would be able to find another job of a similar level and pay within six months Continue reading “What would you do if you lost your job tomorrow?”

Building new Untouched pension savings

An opportunity to potentially improve tax-efficiency

rawdown is the main alternative to a secure annuity income. It is more flexible than an annuity but is also more complex and higher risk. Figures from Skandia (08 July 2013) show only one third (35 per cent) of people in drawdown are actually taking their full income allowance. Continue reading “Building new Untouched pension savings”

Greater flexibility for pension savers

New individual protection rules introduced

New rules announced by HM Revenue & Customs provide people with large pension savings the flexibility to continue to receive valuable employer contributions to their pension. Continue reading “Greater flexibility for pension savers”

Asset allocation

Risk is an implicit aspect to investing

If you are going to invest you need to be prepared to take some calculated risk in the hope of greater reward. Risk is an implicit aspect to investing: shares can fall, economic conditions can change and companies can experience varying trading fortunes. Continue reading “Asset allocation”

Real help when you need it most

A very difficult time for your health and your wealth

The diagnosis of a serious illness can mean a very difficult time for your health and your wealth. But critical illness cover can provide vital financial security when you need it most. Most homebuyers purchase life assurance when they arrange a mortgage, but overlook critical illness cover, another form of financial protection that we are statistically more likely to need before reaching retirement. Continue reading “Real help when you need it most”