At times like this, it is sometimes worth reminding ourselves that it is this very uncertainty of shorter-term market outcomes that delivers investors with returns above those of placing bank deposits. This allows us to grow our purchasing power over time. In the case of equities, this uncertainty can be high as the market adjusts …
It is apparent that Coronavirus is causing ripples in the stock markets as the impact of productivity in China and restrictions on travel are being felt. But what is the impact of Coronavirus on investment portfolios? It is natural for investors to be concerned about the impact of recent falls in share prices on their …
By William Johnson, Managing Director at The Ink Group, one of our professional partners. The use of technology is starting to change how we access healthcare services. It is taking strain off the NHS and can be harnessed to provide additional benefits to employees. Providing staff benefits based on health and wellness is valued by …
The rise of Virtual GP services in the workplace Read More »
Now is the time to start your year-end tax planning. The first months of a new year are traditionally a time of reflection, and that includes taking the opportunity to review your tax planning too. The date for the next budget has been set by the Chancellor, Sajid Javid, as 11 March 2020. When it …
Waking up to a large Conservative majority For some, waking up to the large Tory majority this morning will be a relief, avoiding the higher taxes for both companies and the better off, and a deeply socialist agenda. Others will feel bitterly disappointed that the seemingly last chance to avoid leaving the EU has probably …
2019 Election outcome: a large Conservative majority Read More »
Increasing numbers of people are now setting up a Lasting Power of Attorney (LPA), not just those in later life. A lasting power of attorney (LPA) is a legal document that lets you appoint one or more people (your ‘attorneys’) to help you make decisions or to make decisions on your behalf. This gives you …
A recent report looking at who pays the most income tax reveals some interesting findings into the top 1% of income tax payers in the UK. The Institute for Fiscal Studies (IFS) published a briefing note in early August with a detailed answer to the question of what it takes to enter the 1% club. …
Is a state pension age (SPA) of 75 looking more likely? The state pension age, the age at which you can start to claim your state pension, has been steadily increasing over recent years. The actual age at which you can claim your state pension depends on your gender and when you were born. …
How would you feel about taking your pension at 75? Read More »
Ben Slater, a former apprentice with The RU Group becomes one of the youngest chartered financial planners in the UK. Previously ‘High Achiever of the Year’ Ben received Chartered status in record time. Recently, we received the excellent news that our former apprentice turned IFA, Ben Slater, had successfully passed all his exams and achieved …
One of the youngest chartered financial planners in the UK Read More »
A Freedom of Information (FoI) request has revealed a gap in HMRC’s knowledge about how many people have been hit with penalties around the pension annual allowance. The pension annual allowance, which effectively sets the tax-efficient ceiling on annual pension contributions, used to be a subject of little interest, even among pension professionals. When it …
