Reviving consumer spending and economic growth
Since the global financial crisis, both the Bank of England and the US Federal Reserve have used the policy of quantitative easing (QE) to try to revive consumer spending and economic growth.
A NISA home for your investments
Providing you with increased simplicity and
greater flexibility
Individual Savings Accounts (ISAs) have been around since 1999, providing a tax-efficient wrapper for savings and investments. However, in the recent Budget, the Chancellor, George Osborne, promised to increase the simplicity and flexibility of ISAs. As of 1 July 2014, there is now a single ISA which has been named the new ISA, or ‘NISA’, which provides a bigger tax break than ever before and more flexibility about how it can be used.
Asset Allocation
Achieving the right balance of cash, fixed income and equities
How you choose to allocate your wealth between different asset classes will be one of the most important investment decisions you ever make. Asset allocation can account for the majority of your portfolio returns over the long term, so it’s essential that you achieve the right balance of cash, fixed income and equities in your portfolio.
Income generation
Withdrawing income without prematurely depleting your portfolio
Investing for income is not simply about establishing a portfolio of income-generating investments. It is also about the strategies you use to withdraw income from this portfolio.
Get your finances in shape this summer
Review our financial fitness checklist to see how we can help you make more of your money
Utilise personal pension tax relief
When you contribute to a registered pension scheme, you automatically receive basic rate tax relief on your contributions. Your personal pension tax relief depends on your circumstances. These are the current UK pension tax relief rules for the 2014/15 tax year, so don’t miss out.
What’s your number?
Make sure your pension is on track to grow enough to support you in retirement
Do you know how much your pension is worth? Do you know how many you have or where they are? How about the type of funds they’re invested in or how much risk is involved?
