Pensions Savings Investments

Pension contributions and tax relief

There are limits on how much can be invested in a pension scheme before a tax charge is payable.

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Saving and investing

With so many investment returns at an all time low it is essential to address how to save for the future even when times are tough economically. Here we look at some of the available opportunities for your savings and investments.

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Small firms struggling to offer 'adequate' pension provision

A new survey has revealed that 90 per cent of defined benefit pension schemes run by small firms have been closed to new entrants.

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Pension packages no longer vital to recruitment

The contraction of the employment market has meant that prospective employees do not see an attractive pensions package as essential to their decision to accept or reject a job offer.

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EIS, SEIS, VCT and SITR

Enterprise investment schemes, seed enterprise investment schemes, venture capital trusts and social investment relief.

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Trusts and settlements

Trusts and settlements - tax rates and allowances.

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State pension

State pension rates, pension credit and winter fuel allowances .

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VCT, EIS and SEIS compared

The reliefs for Venture Capital Trusts, the Enterprise Investment Scheme and the Seed Enterprise Investment Scheme are similar in many respects, but there are some significant differences.

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Venture capital trusts (VCTs)

A Venture Capital Trust (VCT) is an investment company broadly similar to an investment trust. It will be quoted on a regulated market and will have to invest at least 70% of its assets in companies that would qualify under the EIS, and must distribute most of its income by way of dividend. It must be able to demonstrate a spread of investments: none can account for more than 15% of the value of its portfolio. There are other conditions for VCTs.

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State pension deferral

State pension deferral is the right to defer entitlement to the state pension. In return for deferring a lump sum accrues with interest added to the deferred entitlement at a rate normally of 2% over bank base rate. Therefore the deferral claim cannot accurately be evaluated in advance.

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