Self Invested Personal Pension


8 reasons to transfer from a Final Salary Pension Scheme


Why would anyone consider giving up their ‘Rolls Royce’ Final Salary pension offering guaranteed, inflation-proofed income, which continues to pay to a spouse after your death? Wasn’t this the source of so many complaints and misselling scandals years ago? A good starting point would be to continue to assume it’s usually not in your best […]

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Bringing clarity to your pension options


This week the Chancellor made yet another surprising announcement affecting pensions. This time it concerns the scrapping of the tax charge applied to some lump sums paid following death. For those who have a pension pot in access of £200K this announcement, along with the previous changes announced at the budget, are of significant importance. […]

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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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Tips for Maximising the Tax Advantages of Pensions


Pensions are a tax-efficient way to save for retirement, but not everyone is aware how they can maximise the tax advantages pensions offer.  In this article Swindells Financial Planning, pension advice experts based in Seaford & Uckfield, Sussex describes four opportunities it is worth considering to make your pension provision work for you. The primary […]

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More action less consultation please


The recent Financial Conduct Authority’s (FCA) long awaited final report into the asset management industry reinforced the evidence that we’ve known for some time; 1. Investments funds should compete on price, but clearly, they don’t, as the net profit margin of most asset management firms is still extraordinarily high (36%). 2. Paying a high price […]

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Hargreaves Lansdown v Vanguard (Who?)


Last month, Vanguard, announced that it is to offer UK investors a lower cost investment Platform, in a direct challenge to the incumbent behemoth Hargreaves Lansdown (HL). The immediate reaction was an 8% fall in the latter’s share price, as speculators pondered the demise of another Active-promoting financial services provider. Completely co-incidentally, the firm announced […]

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Do you really want to gift money to the taxman?


A recent survey* by Canada Life about inheritance tax (IHT) shows that wealthy Brits over the age of 45 are either ignoring estate planning solutions or they have forgotten about the benefits these can provide. Only 27% of those surveyed have taken financial advice on IHT planning despite all of them having a potential IHT […]

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Investment essentials


Back in August 2016, we encouraged you to watch a 12 part documentary featuring Robin Powell and Mark Hebner which included all of the key elements to become a better investor and less of a speculator. There is now an abridged and more succinct 16 minute version available (click on the image above) which still […]

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