Category: Investments

The 2016 Budget at a glance

George Osborne presented his April 2016 Budget as a “Budget for future generations”.     Here’s the 2016 Budget at a glance – the main points are summarised below.   Income Taxes Personal allowance to increase to £11,500 in 2017/18 Higher rate tax threshold to increase to £45,000 from 2017/18 Class 2 NICs for self-employed...

Discretionary Trusts

Discretionary Trusts The discretionary trust is a very flexible form of trust. In these trusts the trustees have discretion as to how, when, and for whose benefit to use some or all of the capital and income of the trust fund.  Beneficiaries or a class of beneficiaries are named in the trust deed and it...

Volatility – What it means for Investors

Volatility – What it means for Investors Since the global credit crisis, investors have become more aware of risk in general and portfolio volatility in particular. At times, there can seem to be a lot of volatility about. In a world of 24/7 media commentary continuously focusing on economic problems, such as the debt crisis...

To CTF or JISA? That is the Question

CTF or JISA ? From their introduction in January 2005 to the issue of the final vouchers in 2012, 4.5 million Child Trust Funds (CTFs) were opened by parents(1). However, in November 2011, this form of account became partially superseded by Junior Individual Savings Accounts (JISAs) and since April this year, you have had the option to transfer...

Pension or ISA ?

Pension or ISA ? It is folly for a man to pray to the gods for that which he has the power to obtain by himself – Epicurus Accepted logic is, for savings where access is required before age 55 ISA’s are a great option, but with pension freedom upon us and unlimited access pensions...

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Logic Wealth Planning Limited is Authorised and Regulated by the Financial Conduct Authority. Registered in England and Wales number: 4206195. Registered Address: 18/19 Salmon Fields Business Village, Salmon Fields, Royton, Oldham, OL2 6HT. Trading address: Sigma House, 9 Southgate, Cross Street, Off Green Lane, Heywood, Greater Manchester, OL10 1ND. Telephone: 0808 1234 321.