Tax Planning
Optimising your tax position is paramount in the run-up to the financial year end
Taxes, as we know, are one of the two great inevitables in life. As the UK tax system continues to grow ever more complex, and with …
Author Archives: Paul Murray
Navigating uncharted waters
The impact of further pension changes on the horizon from this April
Pensions have been transformed by the arrival of freedom reforms on 6 April 2015 which now give much greater flexibility over what you can do with your pension …
Income Matters
Facing retirement with an annual income shortfall of £12,600!
The UK’s mass affluent investors[1] face an average annual income shortfall of £12,610 in retirement. This jumps to a staggering £28,000 shortfall among the mass affluent millennial population, according to the …
Individual Savings Accounts
Tax-efficient investment wrapper holding a range of investments
Individual Savings Accounts (ISAs) have been around since 1999 and are tax-efficient investment wrappers in which you can hold a range of investments, including bonds, equities, property shares, multi-asset funds and even …
Investment Bonds
A range of funds for the medium to long term
Investment bonds are designed to produce medium- to long-term capital growth, but can also be used to give you an income. They also include some life cover. There are other …