Most of us probably know that, these days, we have to pay tax on the savings we have. But how does it actually work? This blog looks at the Personal Savings Allowance and how savings are taxed.
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The cost of financial advice is a VERY important part of your decision. You need to understand what you’re ‘buying’ and what it costs so you can decide if you feel it’s value.
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For older people, long-term care can be a bit daunting, particularly the financial side. No-one likes to think of it but it’s something that could affect a lot of us and have a BIG impact on our lives and our loved ones.
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Are you spending more, or less than you thought you would in retirement? Or, if retirement is on the horizon, are you being realistic about what your spending is likely to be?
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Cash ISAs and Stocks & Shares ISA can be a tad complicated but they aren’t really once you get your head around them.
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Making sure you’re on track for the full state pension could be really useful. This might involve making voluntary national insurance contributions. Here’s the low-down…
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Premiums Bonds can be a great way to save and to have a little fun on the way but there are pros and cons to them.
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Pension drawdown can be incredibly flexible compared to pension annuities and suit a lot of people. You need to understand how they work though!
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The market knows best. Is it possible to consistently outperform the market? The evidence suggests ‘no’.
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We all see money differently. Couple especially can have very particular views on money. Communication is everything!
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A lot of us find handling money tricky, especially the money in our pensions and investments. But it doesn’t have to be hard if you follow a process.
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Descending from the mountain can be trickier than the climb. Saving for your retirement is only part of it. You need to be clear on how to make it last!
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There could be a lot of value in you reviewing your financial position regularly. Financial planning is the antidote to uncertainty!
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Don’t under-estimate the power of inflation. In the long-term it could cause havoc with your money!
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Don’t just think about your pensions, ISAs, savings accounts and any other money you might have. Think about what you want your life to look like and then tie your money in with it.
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Investments. Where do you start? There’s some basic things you might want to know that will help you understand what can be a daunting world!
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Investing can be a bumpy ride, especially at the moment. But there are things you can do to make the experince a little less scary!
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Former Labour Chancellor Roy Jenkins said “Inheritance Tax is a voluntary levy paid by those who distrust their heirs more than they dislike the Inland Revenue”.
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If you plan to work while taking your pension, do you know what the tac situation will be? It’s worth knowing!
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Financial freedom. It probably means different things to different people and there’s no right or wrong answer that’s for sure.
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