Retirement


Yet more pension changes!


Next April the amount of pension scheme savings you are allowed to amass (excluding State entitlements) before they become subject to penal tax rates of up to 55% is set to reduce yet again.  This limit is known as the Lifetime Allowance. Initially this limit was set at £1.8m and has reduced to its present […]

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Pension Liberation?


Despite a number of announcements dealing with tax evasion and avoidance in the 2013 Budget, the Government does not appear to have taken any steps to combat the growing number of pension liberation cases. Andrew Tully, pensions technical director at MGM Advantage said: ‘This appears to be a missed opportunity to clamp down on pension liberation schemes […]

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Get Ready for Changes to Financial Advice


In Swindells Financial Planning’s recent article we provide you with Your Guide to Changes in Financial  Services.  In just a matter of days these changes will come into effect. At Swindells Financial Planning, of Seaford & Uckfield, Sussex, we believe in independent advice for all clients because we believe it is the only way to put your […]

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The Pitfalls of Auto-Enrolment


On the 1st October 2012 the first round of employees will be automatically enrolled into qualifying workplace pension schemes or the Government back NEST (National Employment Savings Trust). Auto-enrolment has started with the UK’s largest employers with gradually smaller and smaller firms following suit over the coming months. Whilst ensuring people save towards their retirement […]

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The Annuity Purchase Decision


When looking to secure a retirement income via an annuity, many people face the difficult task in deciding when and how to arrange this.  Should it be taken immediately or is waiting a few years hoping for a higher income in the future the right decision? Swindells Financial Planning, based in Seaford & Uckfield, Sussex, […]

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What should investors make of bitcoin mania?


Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only in the past decade. Unlike traditional money, no paper notes or metal coins are involved. No central bank issues the currency, and […]

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8 Key Questions for the Long Term Investor


Focusing on what you can control can lead to a better investment experience. Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. We […]

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Planning for Long Term Care


In our experience, planning and funding for the payment of Long Term Care sits high on peoples lists of concerns and priorities. We had the recent furore regarding the so called Dementia Tax, alongside the ongoing confusion about assessment and eligibility for the State’s (NHS) Continuing Health Care funding. Finally, we are often asked about […]

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Worried about the Pension Lifetime Allowance?


What is The Lifetime Allowance? Since its peak of £1.8m in the 2011/12 tax year and three subsequent reductions since then to its current £1m level, the Pension Lifetime Allowance (The Lifetime Allowance (LTA) is a limit on the amount of pension benefit that can be drawn from pension schemes – whether lump sums or […]

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