Do you know when you’ll reach your state pension age? When planning for retirement it’s crucial to know your entitlements. The level of the state pension has become more straightforward in some ways since the introduction of a flat-rate pension in 2016. But figuring...read more
Since 2012 employer and employee automatic enrolment contributions have totalled 2% of ‘band earnings’, with the employer having to pay at least 1%. From 6 April this year, the minimum contributions will rise to 5%, with 2% from the employer. The extra outlay could be...read more
A little-known type of life assurance plan could provide you – or your employees – with highly tax-efficient life cover. A ‘relevant life policy’ (RLP) is a special type of life assurance which an employer can provide without any benefit-in-kind tax charge on the...read more
Investors can save more into pensions from 6 April 2018, when the lifetime allowance (LTA) increases from £1 million to £1.03 million. The LTA is a critical part of pension planning. It is the total value of payouts from pension savings, as a lump sum or income,...read more
Global markets were hitting new all-time highs repeatedly in 2017 before encountering some turbulence in 2018. If you were invested in world stock markets last year, you should have enjoyed some healthy returns, although markets have experienced a much bumpier ride of...read more
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