September – October 2016 Magazine

Sep 14, 2016 | Magazine

Inside this Issue

Welcome to our latest issue. We hope you enjoy reading this issue as we approach the run-up to another year end and those long hot summer days start to become a distant memory. For many of us, our thoughts are turned to another year that has flown past – and when we talk about financial planning, it is time that is the enemy.

Going back a little further, the Government has introduced some major and comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the lifetime allowance that applies to pension savings.

The lifetime allowance is the total amount you can hold within all your pensions without incurring an additional tax charge.

We are now living in a more uncertain world. As correlations between asset classes rise, the right strategy is crucial to preserve capital when markets are falling. Add to this the result of the European Union (EU) referendum, which came as a shock to financial markets, and many investors are facing new challenges at every turn. We consider what you can do to manage your investments in current markets.

From the old adage of saving for a rainy day to planning for a comfortable retirement, before you can actually define your investing goals you need to ask yourself what you want to achieve. While deciding on the best fund, tax regime, pension or investment is a necessary part of the financial planning process, it’s crucial to understand what these mean to you – and your lifestyle makes it more relevant and real.

CONTENTS

  • SAVVY INVESTORS
    Time to get wrapped up? How to shelter income and capital gains
  • INVESTMENT MATTERS POST-BREXIT Facing new challenges at every turn to meet long-term objectives
  • PENSION REFORMS
    How the lifetime allowance reduction could impact on your retirement savings
  • FINANCIALLY EXPOSED
    Do you have a financial plan in place to help protect your home?
  • TIME IS OF THE ESSENCE
    Start thinking about preparing for any big events as soon as you can
  • SAVING FOR A RAINY DAY
    Understanding why your lifestyle makes it more relevant and real
  • INVESTING DURING MARKET VOLATILITY
    Whether seeking income, growth or both, there are some basic rules to follow
  • UNCHARTED TERRITORY
    Importance of not losing sight of your long-term savings goals
  • EMPTY NEST, EMPTY WALLET
    Parents putting financial health at risk to fund university costs

To discuss any of the articles featured

Please call us or use the contact form by clicking here – we look forward to hearing from you.

INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM, TAXATION ARE SUBJECT TO CHANGE.*

THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.*

PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE.

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