Category: Technical Library

Why Review Your Defined Benefit Scheme?

Why Review Your Defined Benefit Scheme? Aspect Current Scheme Personal Pension/SIPP Control The Scheme Investment Options are chosen by the Trustees. This is designed to meet the cost of the benefits. The benefits may be adversely affected by changes to the company or scheme. The company can wind up the scheme and transfer benefits to...

Budget 2015 : At-a-glance

Budget 2015 George Osborne has delivered his seventh Budget as chancellor, the first for a majority Conservative government since November 1996. Here is a summary of his main announcements. Personal taxation and pay New national living wage will be introduced for all workers aged over 25, starting at £7.20 an hour from April 2016 and...

Pensions and Divorce

Pensions, Divorce and Freedom A solicitor dealing with divorce may find that the new legislation causes issues which they had not anticipated. Financial advisers can help them through this time by pointing them in the right direction in relation to material which explains the basic changes to legislation but also by pointing out areas which...

2015 Budget for all

2015 Budget for all Modern Budgets have become a piece of political theatre and George Osborne certainly didn’t disappoint in this respect, scoring points, almost at will, at the expense of his political opponents. The difficulty in analysing a 21st century Budget is the “timeline”. This Budget contained a restatement of many previously announced items...

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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