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Continuing Account of a Deceased Investor (CADI)
CONTINUING ACCOUNT OF A DECEASED INVESTOR Since April 2018 the rules have changed on how ISAs can be passed on to spouses and civil partners on death. The rules allow for a continuing account of a deceased investor (CADI). These changes improve the rules on Additional...
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ISA season
WHY ISA SEASON IS IN APRIL, NOT MARCH Have you heard of 'ISA season'? Every March, just before the end of the tax year, we read in the financial press about how you should 'use your ISA allowance, or lose it'. This article explains the flaw in the logic of ISA season,...
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4 expert strategies for tax-free pension withdrawals
4 EXPERT STRATEGIES FOR TAX-FREE PENSION WITHDRAWALS If you want to access your flexible pensions for capital or income you should think carefully about how to access your money. This article explores 4 strategies to get tax-free pension withdrawals, and also 2...
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Stock Market Corrections
STOCK MARKET CORRECTIONS Today, the media has been full of news of a dramatic fall in stock markets around the world with one measure of the US S&P 500 stock market falling by 4.6% in one day. The drama could lead you to believe that you should start selling your...
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Carillion & investment diversification
CARILLION & INVESTMENT DIVERSIFICATION Recent press have been full of stories about the collapse of Carillion, and the wider effects of the company's liquidation. This article explores how investors could be exposed to individual companies, like Carillion, and how...
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Pension withdrawals – 12 crucial considerations
Before you take any pension withdrawals, read this article. You have been saving for years, and it is your money, so why shouldn't you withdraw money from your pension? We examine 12 crucial considerations to think about before you take pension withdrawals. A recent...
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Tax planning with investments
As you approach the new tax year, you should examine methods to shelter your savings and investments from tax. Here are 9 ideas for tax planning with investments. If a married couple used all of these to the maximum you could shelter an amazing £2,826,680 from tax in...
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Pension tapered annual allowance for high earners
If your total income is greater than £110,000 and you pay into a pension plan, you need to be aware of changes to the pension annual allowance for high earners. You may find that your ability to make pension contributions is reduced by up to £30,000, and this could...
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Pension lifetime allowance to reduce
The March 2015 Budget introduced that the pension lifetime allowance will reduce to £1 million from April 2016. Tweet this These changes will be important to you if your existing pension funds are near this level, or are likely to do so in the future. Key points:...
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Using Bonus sacrifice to save tax
Read how Michael used bonus sacrifice to generate a 106% return into his pension instantly. You can make huge savings in tax by using bonus sacrifice to pay into your pension plan. Are you a high earning employee who receives a bonus? Do you like paying Income Tax at...
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Child benefit higher rate tax payers
This article focuses on the reduction in child benefit for higher rate income tax payers in the UK, and ways you could consider action to continue to be eligible for this benefit. Taking action in this area could allow you to gain substantial benefits.The child...
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NHS pension scheme for doctors & dentists – proposed final agreement
This article should be useful to those interested in the NHS pension scheme for doctors and dentists in England & Wales as it contains details of the NHS pension scheme proposed final agreement. It is proposed that these changes will take place from 2015.Main...
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NHS pension scheme for GPs and doctors
The NHS pension scheme for GPs and Doctors - what you need to know This article explains some of the main differences between the different NHS pension schemes for GPs and doctors.Medical practitioners fit into your own area of the NHS pension scheme, as detailed...
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