Serenity

The Regulation of Work-Based Pensions Schemes

December 10, 2014 by TIna

The Pensions Regulator is the regulator of work-based pension schemes in the UK, with objectives to: protect members’ benefits; reduce the risk of calls on the Pension Protection Fund (PPF); to promote and to improve understanding of the good administration of work-based pension schemes; to maximise employer compliance with automatic enrolment duties; and to minimise any adverse impact on the employer’s plans for sustainable growth.

Keeping one eye on a 2015 interest rate rise

December 10, 2014 by TIna

Category: Economy & Uncategorized

It is now six years since emergency measures were put in place to protect the global financial markets from imploding when the banking crisis spiked in 2008. To stave off a liquidity disaster, many global policy makers decided to cut interest rates to record low levels.

At that juncture most experts, commentators and the investment community assumed this would be a short term effort; an emergency measure, maybe lasting months, if not months then just a year or two. Virtually no one could see interest rates remaining so low for so long.

Growing your wealth with ISAs: why individual savings accounts can be great for your finances

December 10, 2014 by TIna

Category: Investments & isas & savings & Uncategorized

It seems odd that in a general climate where there is so much controversy over foreign corporations paying no tax in the UK, pop stars using dubious tax avoidance schemes, and where there is a raging debate about whether “we are all in this together”, there sits in the middle of our tax system, the most wonderful and simple tax haven of all: the ISA.

Quick tips on financial planning for thirty-something professionals

December 10, 2014 by TIna

Category: Lifestyle & savings & Uncategorized

After age 30 it is probable that financial planning will be upped one or two gears and become a far more intense matter.

It is worth reflecting how things have changed over the past few generations; more and more people are going to universities, families are having children later, are buying property (and by definition therefore taking on mortgages) at later ages and everyone is facing up to a longer life and a (much) later retirement.

DECEMBER 2014 AUTUMN STATEMENT

December 08, 2014 by TIna

Category: Economy & Uncategorized

SUMMARY IMPACT

The key announcements by The Chancellor providing opportunities for financial planning advice are outlined below.

PENSIONS

Summary of all the pension changes to apply from 6 April 2015

• Since the announcement of the 'Freedom and Choice in pensions' reforms in the March Budget, details have emerged piecemeal.

Report reveals vast disparity between the sexes retirement finances

December 08, 2014 by TIna

Category: pensions & retirement & Uncategorized

Recent research from MGM Advantage, the retirement income specialist, reveals alarming disparities between the retirement finances of men and women. Although, on average, people in retirement feel that they need an additional £130 per week on top of their current income to be financially comfortable, women’s financial position in retirement is already more austere than that of men and their outlook seems to be much more prudent.

Our insights

The Regulation of Work-Based Pensions Schemes

Keeping one eye on a 2015 interest rate rise

Growing your wealth with ISAs: why individual savings accounts can be great for your finances

Quick tips on financial planning for thirty-something professionals

DECEMBER 2014 AUTUMN STATEMENT

Report reveals vast disparity between the sexes retirement finances

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