The Alternative Investment Market

The Alternative Investment Market   Individual Savings Accounts (ISAs) are tax free? Many investors are not aware that when they die their ISAs are treated as part of their taxable estate and could be liable for the 40% tax charge.  To potentially avoid this not so insignificant liability, investing into portfolio shares on

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Beware of the Crypto currency hype

Beware of the Crypto currency hype Companies are trying to jump on new opportunities created by crypto currencies and the technology that drives them.  Investors need to take care. “Those who cannot remember the past are condemned to repeat it”, as the philosopher George Santayana famously wrote.  What is happening in markets

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End of year tax planning

End of year tax planning Pension for 2017/18 You are allowed to make a contribution of up to £40,000 (gross) to a pension scheme.  This can be an employer's contribution, personal, or a combination of both.  Unused allowances from the previous 3 tax years can be brought forward. For personal contributions tax relief

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Lifetime Allowance Charge

 This month we look at how to protect yourself against the Lifetime Allowance Charge, the forthcoming revisions to pension tax and the new debt recovery powers of HMRC. Thursday, 1st January 2015 Pensions reminder: Protect against the Lifetime Allowance Charge George Osborne has introduced protection against the

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Year & Tax Planning

Year End Planning. This month we look at tax planning, auto-enrolment, tax relief on pensions and annuities Saturday, 1st February 2014 The start of the year is the perfect opportunity to review your tax affairs and finances since it is the lead up to the end of the tax year on

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Child trust funds and Long-term care

Monday, 7th October 2013 This month we look at child trust funds and long-term care Transferring Child Trust Funds to Junior ISAs Since eligibility for new Child Trust Funds (CTFs) ended in January 2011, with the Junior ISA introduced as a successor account

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What do the changes to the State Pension mean for you?

Monday, 1st April 2013 What do the changes to the State Pension mean for you? As part of its plan to give people clarity about what they can expect to receive when they retire or reach old age, the government is introducing a single-tier State Pension from 2016-17. To qualify for the

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Helping you weather the storm

Friday, 1st February 2013 Helping you weather the storm With the first businesses already affected by auto-enrolment, and almost every employer required to make payroll returns using Real Time Information (RTI) next year, the stage is set for a perfect storm. Auto-enrolment requires every employer to automatically enrol all employees aged between

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An overview of auto-enrolment

Saturday, 1st September 2012 An overview of auto-enrolment New research by Scottish Widows shows that over half of eligible employees are unaware of auto-enrolment. Furthermore, while 52 percent of those surveyed – equivalent to almost 10 million employees – were not aware of the reforms, businesses are also struggling with the

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