Smart investments
by libertas2019 on July 5, 2019
Should I invest into a pension or an ISA?
Investors looking for tax-efficient ways to build a nest egg for retirement often look to both Individual Savings Accounts (ISAs) and pensions. Tax-efficiency is a key consideration when investing because it can make a considerable difference to your wealth and quality of life.
read moreGoldilocks economy
by libertas2019 on July 5, 2019
How to prepare your portfolio for inflation
Very low or very high inflation is damaging to the economy. The aim is usually to try and keep the Consumer Prices Index (CPI) at 2% in order to maintain a ‘Goldilocks Economy’ – not too hot, not too cold.
read moreHealthy, wealthy and well advised
by libertas2019 on July 5, 2019
Financial complexities of passing on wealth
Passing on wealth is a sensitive subject, not just because of the financial complexities of it all, but also the emotion and family politics involved.
read moreChoppy waters, not full-on gale
by libertas2019 on July 5, 2019
Wait for the bad weather to pass and stay the course
Volatility fluctuates based on where we are in the economic cycle, but it is a normal feature of markets that investors should expect. When stock markets start correcting, daily injections of bad news may sound as though it will never end. This can spark anxiety, fuel uncertainty and trigger radical decisions in even the most seasoned investors.
read moreRetirement longevity
by libertas2019 on July 5, 2019
Your destiny is now in your own hands
If you are in your 50s or 60s, your thoughts are probably turning towards retirement. When should you retire? How much money do you need?
read moreTaxing times
by libertas2019 on July 5, 2019
‘Top 5’ list of planning areas
Making sure you use up any allowances you are entitled to is the first step to reducing the amount of tax you may be liable to pay. We’ve provided our ‘Top 5’ list of planning areas to consider before 5 April 2020, the end of the 2019/20 tax year. The rates given are correct for the 2019/20 tax year.
read moreShow me the money
by libertas2019 on July 5, 2019
Turning pensions into money you can use
Today, you’ve got a number of options and permutations available when it comes to what to do with your pension in retirement. But lots of choice can also mean increased confusion.
read moreInvesting for income, growth or both in retirement
by libertas2019 on July 5, 2019
Turning on the taps for an extra income stream to help you realise your ambitions
The best time to start investing was 20 years ago. The second best time to start investing is now. But as you have been building up your investment wealth over the decades, in all likelihood you’ve probably pursued growth above all else, looking to maximising the value of your savings.
read moreGive a triple boost to your children
by libertas2019 on July 5, 2019
Don’t miss out on this little-known tax rule
For those parents who have spare cash, putting money into their children’s pension will boost the retirement prospects of their offspring. The money will be topped up by the addition of tax relief and could also earn their children a tax refund if they are higher-rate taxpayers and reduce the penalty they face if they are a higher earner receiving child benefit.
read moreDisclaimer: The information provided in our website blogs is accurate and up-to-date at the time of writing. However, please be aware that legislative changes and updates may occur after the publication date, which could potentially impact the accuracy of the information provided. We encourage readers to verify the current status of laws, regulations, and guidelines relevant to their specific circumstances. We do not assume any responsibility for inaccuracies or omissions that may arise due to changes in legislation or other factors beyond our control.
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