Auto-Enrolment update: it’s the turn of small businesses

As auto-enrolment in pension schemes continues to roll out, the staging date for many small businesses is fast approaching. Whilst The Pensions Regulator estimates that 374,300 small employers enrolled in 2016, more than double that amount will reach their staging date in 2017, with the figure estimated at around 800,000. Recent figures from YouGov revealed... Read more » Read More

Earning over £150,000? You need to review your pension. Here’s why.

If your annual income is above £150,000, then your pension allowance has been subject to tapering since April this year. For every £2 of income over £150,000, your £40,000 annual allowance is reduced by £1, with the reduction rounded down to the nearest whole pound if necessary. Reductions are capped at £30,000, meaning that those... Read more » Read More

4 things to do before the end of the tax year

The beginning of a new calendar year should serve as a timely reminder that we’re only three months away from the end of the current tax year. It might feel at the moment as though there’s plenty of time until the beginning of April, but ensuring you make use of the remaining months before they... Read more » Read More

Avoiding Rush Hour Traffic

The last business day of May is among the busiest for share traders around the world. It is one of the days that MSCI, a large index provider, rebalances many of its indices; restating the companies it believes to be representative of a particular market. Read More

Understanding sequence of returns risk

Come 6 April 2015, anyone over the age of 55 can withdraw as much or as little income as they like from their accumulated pension savings. Therefore, when it comes to using your pension fund to provide an income, although an annuity (an insurance product which provides a guaranteed income for life) will still be the right choice for many, it’s expected that an increasing number of people will be attracted to income drawdown. Read More

Pension wealth – keeping it in the family

All the pension changes announced throughout this year are starting to make pensions look like a natural choice not only for retirement provision, but also for estate planning. Read More