Market review – January

Firstly, Happy New Year to you all. I hope that you managed to have an enjoyable and restful festive period.   The FTSE 100 index increased To start this market review with some good news, over the course of December the FTSE 100 index increased by 4.6%, which saw it reach its highest level seen... Read More »

Case study – SASS pensions*

This case study demonstrates how clients can use SSASs to save for their retirement in a flexible, tax-efficient manner, to compliment and assist their business operations.   Setting up the scheme Keith and Mick own a successful manufacturing business. They operate out of a commercial building that they lease from an unconnected third party. Their... Read More »

Gift inter vivos policies – explained

The term “inter vivos” can be roughly translated as “between the living”. One way to reduce your potential Inheritance Tax (IHT) liability is to make gifts during your lifetime to another person, hence a transfer between the living. Everyone has a personal inheritance tax allowance, which is currently £325,000 or possibly higher depending on your... Read More »

ISAs vs pensions – which is the best investment product for you?

Individual Savings Account (ISAs) and pensions each have their unique set of rules, and for this reason, they are both very different in how they work. Is there a right or wrong way to fund your savings and investments, and is there an advantage to using one investment product over the other? In this article,... Read More »

Case study – Inheritance Tax Protection

One of our Private Wealth clients had made several gifts, and was about to make another significant one as the result of a property sale. Each gift created a potential inheritance tax liability with total potential liability in excess of £2 million. There is a liability to inheritance tax for seven years after a gift... Read More »

Market review – December 2021

I often say to clients during our review meetings that I still see the ongoing pandemic as being the main contributing factor to the performance of the investment markets at this moment in time. This was seen in November, when the new Covid-19 variant, Omicron, changed investors’ sentiment around the world. The discovery of the... Read More »