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Browsing: Blog

Tax efficient saving for your children’s future

With the costs of attending university or funding a first property deposit at all-time highs, many parents and grandparents are keen to look at the most efficient ways of long term saving or investing for children. Children face a financially challenging future on two fronts; firstly, university costs have increased dramatically over the past few […]

Pension freedoms – beyond the hype

Much has been said about the government’s planned changes to the way people can access their pensions, due to be in place from April 2015. So much so in fact, that’s it’s been difficult to see beyond the hysteria of some commentators. So, let’s first look at the facts. What are the key rule changes […]

Auto enrolment: the terrible twos?

As auto enrolment celebrated its second birthday earlier this month, we take a look at what we can expect from this toddler in the next few years. On 1st October 2012, the life of workplace pensions changed for good. For the UK’s largest employers the new arrival was auto enrolment and employers bid farewell to […]

The only way is up

In recent months, there’s been a lot of speculation about the inevitable rise in interest rates, but what will it really mean for your finances? Borrowers with mortgages on variable interest rates can breathe a sigh of relief as the Bank of England yesterday held the base rate at the historic low of 0.5%, where it […]

Relevant Life: Life insurance savings for business owners

For a business owner or director paying personally for life insurance, or a small business wanting to offer life insurance to employees, a Relevant Life Policy (RLP) can reduce the cost of life insurance by up to nearly 50% through savings in tax and national insurance. How does it work? It works in the same […]