With a number of Final Salary/ Defined Benefit schemes in deficit, a number of employers want to wind up these schemes and are offering cash incentives. They are known in the industry as Pies. This is where an employer offers cash and an increase in pension in return for the member giving up any future statutory [...]
What is a Junior ISA?
The Junior ISA is a tax-efficient way to save and invest for a child’s future.
Like any other Individual Savings Account, you can invest in a Stocks and Shares Junior ISA, a Cash Junior ISA or a combination of the two. The key difference is that a Junior ISA is exclusively for [...]
The following is our opinion on this topical subject at the moment.
Our role will be to help the business owner with putting in place the right scheme , contribution structure, who should join, provide details of costings, and help set it all up with the Pension Regulator.
· Employers begin automatic enrolment gradually over 4 year period starting with [...]
For some the need to draw the cash and pension has been forced on them due to structural changes in their industry is now commonplace. For others this is the moment they have been waiting and planning for years.
We have all been affected by the economic downturn and so making the right choice is paramount [...]
For risk averse investors stocks and shares have always seemed perilous. Fixed interest securities have by nature offered a better return than cash without the ups and downs of equities.
Now there appears to be few places to go for shelter as both stocks/shares and some fixed interest investments may default, that is pay the coupon [...]
The price of houses has to fall before the market can pick up.
This is my belief and there is evidence out that shows that well over half of those of thinking of taking a flat or house on, will rent it and believe they will never own a property.
This is the complete opposite of [...]
Earlier this month the long awaited new issue from National Savings & Investments –NSI arrived. The timing could not have been better as inflation jumped to 4.5% and is now predicted to hit 5% later this year.
However,this is the lower of the inflation indices and this NSI product is linked to the higher RPI rate, [...]
Our industry like the Carry on films made everyone laugh after they ‘unsimplified’ Pensions Simplification which was introduced in 2006.
The simplification had introduced an Annual Allowance and a Lifetime Allowance doing away with carry forward, carry back and a number of rules and dates for funding purposes as well, thank goodness.
Anyway, they have brought back [...]
I was looking at the best ways of getting the highest rate for my currency, yet easy for my wife to get her hands on it!!
Pre paid cards are relatively new on the market, cash or travellers cheques.
All depends on what you are trying to do.
There are euro or other currency prepaid cards as well [...]
Savers have been given a welcome boost after the rates available on cash ISA accounts climbed to their highest level for two years.
We normally hear of banks not passing on the benefits quickly enough to borrowers when rates fall.
Well we seem to be in the unique situation where interest rates stay the same yet savers [...]
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