Without having a clear financial plan for when you retire, there is a risk that you will run out of funds or face unexpected financial pressures in your post-work years. A good plan ensures that your retirement is comfortable, stress-free, and allows you to enjoy the things you have worked hard for. We recommend that…
When it comes to investing, most people are aware of the two broad strategies that dominate the field: active and passive investing. Each has its own merits, risks, and considerations, but which is right for you? Active investing is a hands-on approach that involves buying and selling investments frequently in an attempt to outperform the…
With the Government’s announcement of a two per cent rise in Stamp Duty Land Tax (SDLT) on second homes, buyers now face a five per cent surcharge on additional property purchases. For aspiring property investors or those looking to expand their portfolios, it is essential to consider strategies to offset this increased expense. Firstly, you…
Venture capital trusts (VCTs) offer an opportunity to invest in smaller UK companies while benefiting from attractive tax reliefs. As an investor, you can receive income tax relief of up to 30 per cent on your investment, tax-free dividends, and no Capital Gains Tax when you sell your VCT shares. However, these benefits come with…
When it comes to taking money from your pension, careful planning is essential to minimise your tax liability and maximise the longevity of your savings. Here is how we recommend you structure your pension drawdowns effectively. Use your tax-free lump sum wisely You can withdraw up to 25 per cent of your pension as a…
When it comes to managing your investments, you may have come across various strategies that aim to balance risk and reward. One such method that is gaining popularity among both seasoned and novice investors is the core-satellite strategy. This approach offers a way to create a diversified portfolio while still allowing room for higher-risk opportunities….
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