Savings & Investments

September 2015

Invest for the long term

By |September 4th, 2015|

It may be very clear to see that the longer you invest, the bigger the potential effect of its performance on the original value of your investment will be.  Many investors will be familiar with the term compounding from owning their own cash savings accounts. This term refers to money multiplying its self by earning […]

August 2015

ISA- The main Tax Rules

By |August 7th, 2015|

It is always good to remember the main tax benefits for ISAs. As a reminder:

There is not any UK tax on dividends in a stocks and shares ISA, although the 10% tax credit cannot be reclaimed ( it is thought that the 10% tax credit will be abolished from 2016/17)
Interest is received UK Tax-free in […]

A financial to do list

By |August 5th, 2015|

A financial to-do list helps provide you with important action steps that can help you keep your financial plans on track. Some of these include:

Its important to give your portfolio a regular checkup to ensure your mix of investments accurately reflect your current goals you have but also in time frame you have in mind […]

July 2015

Reducing investment risk

By |July 21st, 2015|

Choosing a broad spread of instruments in which to invest

If you require your money to provide the potential for capital growth or income, or a combination of both, and provided you are willing to accept an element of risk, pooled investments allow you to invest in a large, professionally managed portfolio of assets with many […]

June 2015

Securing our financial futures

By |June 5th, 2015|

The new pension reforms provide a good opportunity for people to really think about and evaluate their future finances, and the options available to them. However research highlights that many people across the UK are struggling to plan ahead. If you are one of these people and feel you need some guidance on what to […]

May 2015

Trading places

By |May 26th, 2015|

It’s not just about picking investments wisely, it’s holding them in the most suitable place
Now that we’ve entered a new tax year, if you are already planning how you are going to fully utilise your current Individual Savings Account (ISA) tax-efficient allowance, it’s not just about picking investments wisely – it’s also important to make sure you […]

Generating an income from your portfolio

By |May 5th, 2015|

Narrowing the knowledge gap for investors
Record-low interest rates are rarely out of the news these days. With UK investors struggling to achieve a decent income from traditional investment sources, it might however be good to point that less than half can correctly explain the term ‘income investing’.
A survey recently done by J.P. Morgan Asset Management revealed […]

Income Tax Personal Allowance

By |May 4th, 2015|

Increase announced to £11,000 from April 2017

Mr Osborne confirmed the personal allowance will rise from its current level of £10,000 to £10,600 from April this year as planned, and will mean the typical taxpayer is £900 a year better off. He also announced the threshold at which people pay the higher rate of income tax […]

April 2015

The regular savings trick that can cut your tax bill from next April with accounts offering up to 6% a month in interest

By |April 1st, 2015|

According to This Is Money savers who are looking to put money aside regularly each month could benefit from a tax perk starting next April.
They have said if you start a regular savings plan at the start of the next tax year on April 6, you would not see any interest for a year however […]

March 2015

NISA Countdown

By |March 25th, 2015|

Time is running out if you want to make the most of your tax-efficient savings allowance
If you are keen to take advantage of the New Individual Savings Account (NISA) allowance,which has now been increased to £15,000, and you want to  make the most of your tax-efficient savings, time is running out. You only have until […]