Pensions Savings Investments

Retirement and pensions

The pension and annuity rules are changing. The need to plan for the future has not.

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Tax on savings income

Savings income (which includes all types of interest) is paid gross without deduction of income tax. The personal savings allowance provides a nil rate of tax on the first £1,000 of savings income for basic rate taxpayers and £500 for higher rate taxpayers, with none available to additional rate taxpayers. If your only taxable income arises from savings income, or your other income is very small the amount liable to 0% tax may be as high as £5,000

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Alternative investments

When it comes to investing, there is more to life than ISAs, stocks and shares. Alternative investments have risen in popularity in recent times, especially among those who have money to invest and do not wish to invest in the stock market or property.

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Financial planning for life

Throughout life, from childhood to retirement, circumstances and priorities change. At every stage it is important to make well-informed decisions to ensure that you and your family are following the best strategies for achieving your goals.

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Building your wealth

Making your savings grow and being able to retire when and how you want is one of your most important financial objectives. But achieving this goal takes planning and perseverance.

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ISAs and multilateral institutions

Family trusts

A trust (settlement) arises when a person (the settlor) transfers assets to trustees, who hold the assets for the benefit of one or more persons (the beneficiaries), who will receive income and/or capital from the trust.

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Pre-Budget Report day 2008/09 ISA allowance deadline Budget Day
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