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Passive portfolios hold equity and bond tracker funds on a buy and hold basis to seek capital growth at a low cost.
Growth portfolios hold a blend of active and passive equity and bond assets on a buy and hold basis to seek capital growth.
Guardian portfolios hold low-cost equity and bond assets to capture upside growth and aim to manage volatility to protect portfolio values from downside losses.
Fusion portfolios hold a combination of passive and active funds to capture upside growth and aim to protect portfolio values from downside losses.
Green Path portfolios hold equity and bond assets to take a positive approach to responsible investment.
Heritage portfolios hold actively managed investment trusts to gain greater capital growth over the longer term.
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The Chancellor’s Autumn Statement didn’t contain any major tax or pensions shake ups that have any immediate impact for clients. Key decisions on pension tax relief reform and second hand annuity markets have been postponed. This means we can plan…
The proposals are designed to avoid the need for taxpayers to bail out banks ever again. The Financial Stability Board (FSB) the organisation that co-ordinates banking regulation across the G20 Nations, has published new proposals that will require the world’s…
Our decision will have far reaching economic impact spanning future generations An in/out referendum on the UK membership of the EU will take place by the end of 2017 but possibly as early as the summer of 2016. This referendum…
The great recession of 2008 has led to record peacetime government budget deficits across the developed world. These massive debt piles have highlighted to governments the cost of generous pension and welfare benefit arrangements enacted decades earlier. The impact of…
UK pensioners now enjoy larger weekly income than people of working age. In October the Institute for Fiscal Studies and the Office of National Statistics published information that was both significant but not surprising. Firstly, UK pensioners now enjoy larger…
From April 2016 the Dividend Tax Credit will be replaced by a new tax-free Dividend Allowance. The Dividend Allowance means that you won’t have to pay tax on the first £5,000 of your dividend income, no matter what non-dividend income…
Further to my recent blog which covered the reduction in the annual allowance for people with earnings from £150,000 from April 2016, it is apparent that up until this point there is a window where high earners can fund to…
From 6 April 2016 the Employment Allowance will be increased to £3,000 for some employers. However, from April 2016 incorporated companies where the sole employee is the director will now be excluded from receiving this allowance.
Since the introduction of retirement freedoms from 6th April 2015 the changes above have provided for further planning opportunities. Prior to 6th April 2015 only a dependant of the member could receive a drawdown income on the member’s death. Now…
