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Avoiding Inheritance Tax - Planning For The Informed
Many clients have accumulated substantial funds within ISAs and PEPs over the past 10 years and enjoyed significant tax breaks in the process. It's not unusual to see clients with capital in PEPs and ISAs in excess of £200,000 enjoying the freedom to switch investments without incurring capital gains tax, personal liability to tax on dividend income or bond interest received within the tax sheltered 'wrapper'.
Enduring Power of Attorney - Last Chance Saloon
If you've not heard yet, you only have a few days left to organise your Enduring Power of Attorney. Officially, you have until September 30th to get it in place, at which time EPAs will be replaced by Lasting Powers of Attorney.
Fund Managers On The Move and Your Strategic Asset Allocation
Recent research by Citywire, a leading fund research firm, has revealed that the average fund will only retain its fund management team for two-and-a-half-years. The analysis, which concentrates on UK funds, is the most comprehensive conducted yet and includes 5 years of data. The survey examined 1,741 funds and found that over the 5 years to the end of August there were 3,440 manager moves.
Interest Only Mortgages - Are They a Good Idea?
Many people opt for an interest only mortgage for one simple reason - it's the cheapest option. You can't blame people for choosing the 'lowest' cost option, can you? So how does an interest only mortgage work (I've had many clients call it an interest free mortgage - if only!), as against the other option of a capital repayment loan?
Investment Costs - The True Picture
We are all aware of the saying that there are two things which you can't escape - death and taxes. Well, we would add a third here, and that is COSTS. When we speak to our many doctor and dentist clients, or indeed to new clients, they understand that when they make an investment, there will be associated costs.
Is the Shares Crisis Over?
Recent falls in the value of the stockmarket has caused concern among investors. Should they run? Should they hang on? Warnings about the potential fallout from defaulting American mortgage borrowers have been around now for quite awhile, but when would these pigeons come home to roost and what size effect would they have?
National Savings - The Right Option For You?
When we deal with new clients, we encounter Premium Bonds frequently, but it's not very often that we see the many other products offered by National Savings and Investments (NS&I). Some NS&I returns are currently looking quite attractive, and so it is worth perhaps looking at two such investments, Premium Bonds and Savings Certificates.
NHS Pension Changes April 2008 - What You Need To Know
As you are probably aware, the New NHS Pension Scheme goes live from April 1st 2008. This scheme is automatic for new members from that date, and a major change here is that the normal retirement age is 65, not 60. However, the existing scheme also changes in some key areas for those of you who opt to stay as you are.
Nil-Rate Band Will Planning - Your Options Explained (Post 9 October 2007)
Since Alistair Darling's Pre-Budget Speech on October 9 2007, there have been a number of reports in the press stating that will planning using the nil-rate band of the first of a married couple to die will no longer be necessary as you can now transfer the nil-rate band between spouses and civil partners. (The Nil-rate Band is currently £300,000, and upon death a tax rate of 0% applies to the estate value up to this amount).
Personal Pension Plans - Does The 'Best' One Exist?
Like many of our clients, we are constantly updating our Continuous Professional Development (CPD). One of the many pieces of reading material we were looking through had the title of 'Advisers Have Vital Role As Persuaders'. This was based on the results of a survey which asked both individual investors and advisers 5 questions about retirement planning success.
Portfolio Turnover - The Hidden Cost of Active Management
The activities undertaken by an active fund manager normally result in higher annual management charges. This is what you would expect as they must carry out more research and analysis than a passive "manager". However, what few clients fail to appreciate is, the buying and selling of shares within a fund also incurs costs and these subsequently impact detrimentally on performance.
Smarter Ideas For Current Accounts
When we meet new clients and agree to work together, the number one aim we have for them is that they achieve their monetary and non-monetary goals in life.
Spanish Property - Wealth Tax & Inheritance Tax
We have many clients who have either bought in Spain or the Balearics, or are thinking about doing so. In the past few years, there have been some changes in how the Spanish government tax those who are UK based and have a Spanish property, although with a change of government this could alter again. Here we will look at two aspects - Wealth Tax & Inheritance Tax.
Stock Market Crash? Your Options Explained
We live in interesting times... You cannot switch on the TV or read a newspaper without hearing of doom and gloom. If it's not property and stock market falls it's oil prices going through the $100 level, and the situation in Iraq seems to be deteriorating.
Stock Market Timing - Should You Bother When You Invest?
At the time of writing this article the Markets are showing great signs of nervousness and probably should be on Prozac. The problem is that the Markets are uncertain as to the future and therefore have bouts of pessimism followed by optimism followed by pessimism again. Consequently, we see big swings in daily prices of securities.
What's Your Investment Risk Strategy?
Sensible investment and wealth management requires a balance between your risk profile and investment portfolio volatility. Both of these factors can be combined to make up your investment policy and investment philosophy.
With Profits Pension Funds - Beware
If you have a "with profits" pension, or are being advised to invest in one - read on urgently. A survey by Money Management, an established personal finance magazine, has once again highlighted the sinking payouts to many investors from well known investment brands.
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