What happens to your pension when you die?

pension when you die - sand washing a heart away

When you die your spouse, civil partner or beneficiaries may be able to access your pension. The rules for pension death benefits will vary depending on the type of pension you have and your age when you pass away. In 2015 new pension rules were introduced governing everything from how you access your pension to […]

Tax efficient charitable giving

Tax efficient charitable giving

This past year has provided many with an opportunity to reflect, and you may now be considering a review of your charitable giving. Which causes do you wish to support? Which financial vehicle will you choose to make your donation? Whichever charity you choose to support there are some important considerations when gifting cash or […]

A new life for investments? Post pandemic financial planning

A considerable amount has been written about Pension Planning, both before and after retirement. Not many words though would have been written about the potential impact of a global pandemic on financial planning. The past few months are a situation that most of us could not have anticipated. How has the pandemic affected financial planning? […]

Tax Day summary – your key takeouts for savings and investments

tax day summary

What are the key changes to tax announced on Tax Day 2021? We have reviewed the latest announcements to provide you with a Tax Day summary. Here are the key areas that might impact your savings and investments. During this year’s budget the Chancellor avoided detailing planned changes to taxation, for example, the future of […]

Key points from the Budget 2021

key points budget 2021

To the casual observer, the first Budget of 2021 appeared to have been fully revealed before the Chancellor even reached the despatch box. The relentless flow of pre-Budget rumours, kite-flying and red herrings makes it is all the more important to forget what was said before 12.30 on 3 March and concentrate on what Rishi […]

What is cash flow planning, and why is it important for your financial future?

cash flow planning - child with bucket of water

Cash flow planning is a tool we use to project your financial position into the future, it helps you to understand what your finances could look like throughout your lifetime. It takes into account your income, spending and overall net worth. The graph below is an example of this. Another way of thinking about cash […]

What is responsible investing?

responsible investing | The RU Group

What is responsible investing? A new focus on the ethics and impact of sectors has led to renewed interest in ethical investing. If 2020 was the year of social distancing, 2019 was the year that environmental issues became mainstream. Whether it was Blue Planet II, the Extinction Rebellion protests or Greta Thunberg’s speech to the […]

Redefining income – dividend requirements clarified

Income Fund - stack of coins | The RU Group

Earlier this year the rules for what constitutes an income fund changed Investors often forget that there are two sources of return available to them from an investment portfolio. Income in the form of dividends and Growth in the form of  an increase in the price of the share. Together these elements of a portfolio […]