Your Future.
Your Way.
Insightful, cost effective advice tailored to you
Your Future.
Your Way.
Insightful, cost effective advice tailored to you
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The Dangers of Acting on What Might HappenWith the Budget approaching, we are entering that familiar period when the financial pages fill up with speculation about what the Chancellor may or may not do.Capital gains tax might change. Pension rules might change. Inheritance tax might change. Allowances could be cut. There will be plenty of
Posted by: Jon Lawson
What the Renters Rights Bill means for buy-to-let investorsThere was a time when buy-to-let occupied a special place in the British imagination.Property programmes multiplied on television, amateur landlords appeared everywhere, and houses were spoken about with the reverence normally reserved for pension schemes. A generation grew up hearing that bricks and mortar were the safest
Not so long ago, annuities were the go-to choice for anyone heading into retirement. You took your pension pot, handed it over to an insurance company and in return they gave you a guaranteed income for life. No more worries about stock market crashes or outliving your savings. It was simple, predictable and safe.Then came
By any measure, it has been a curious few years for investors. The headlines tell a story of markets marching confidently upward. And yet, the reality beneath the surface is a little different: it is not the entire market that has surged, but rather a small number of American technology firms.After two decades in which
Last week the chancellor Rachel Reeves unveiled her Autumn Budget – Labour’s first major fiscal event in 14 years. The Budget had three main goals: to generate economic growth; to plug a £22 billion hole in the country’s finances; and to pump money into flagging public services.Not all of the announcements in the Budget will
The Spring budget on 6 March was a bit of a non-event for many clients.There was an important cut in Class 1 national insurance contributions from 10 to 8 per cent for those who are employees. High earners with children were given a boost, thanks to changes that were introduced to the high income child
Most people won’t pay inheritance tax, but the number of people who will is rising.In 2009/10 just 2.6% of deaths gave rise to IHT. Yet according to the Institute for Fiscal Studies this figure is set to rise to more than 7% over the next decade.You might gift excess income to: Basic allowancesFor those who
In recent years, property has been viewed as an ideal investment asset. In 1980, the average house sold for just £19,273. That compares to £239,927 in 2020 – a staggering 1,145 percent increase. Against that backdrop some investors have begun to assume that property prices only move in one direction: up.And this seemed true, for
How Should You Respondto Rising Interest Rates?What are interest rates?Interest rates are the cost of borrowing money or the return on investment for lending money. Interest rates play a crucial role in the economy and financial markets as they influence borrowing and spending behaviour, investment decisions and overall economic activity.The Bank of England uses interest
Analysing the…Budget for GrowthThe Chancellor Jeremy Hunt’s Budget last Wednesday (15 March) had one overarching goal: to steady the ship of the British economy amidst banking turmoil in the United States.Hunt’s Budget also provided an opportunity for the Chancellor to distance himself from the disastrous ‘mini’ budget of his predecessor Kwasi Kwarteng back in September.Therefore,
Changes to Social Care FundingHow to Navigate New Capital Gains Rules In September 2021, the Government set out plans to reform adult social care in England. It said that £5.4 billion would be used to fund the reforms between 2022/23 and 2024/25:The funding was initially planned to come from the new Health and Social Care
Stock market crashes create anxiety for investors, especially those who – like most retired people – are withdrawing regular sums from their investments to provide the income they need. But FiveWays’ retirement income planning strategy, which we call ‘bucketing’, means clients are insulated from all but the very worst possible stock market disasters.
