Q. I am about to start contributing to a personal pension fund and have been through a process to assess both how much risk I need to take with my investment as well as how much risk I will be able to tolerate on an ongoing basis. Whilst I am comfortable investing 70-80% of the equity [...]
Emerging Market / Pacific Rim Investing – Which Fund Should I Choose? – Hot Topics Q & A
Personal Pension or Individual Savings Account? – Hot Topics Q & A
Q. I am looking to invest a lump sum, as well as a regular amount each month. I can’t decide whether to choose an equities based Individual Savings Account (ISA) or a Personal Pension. Which do you think is best? A. It’s fair to say we’ve been asked this question a few times over the years! As [...]
Pensioners Concern By Change In Inflation Rules – Hot Topics Q & A
Deed of Variation – Distributing The Estate
Q. I have heard of a Deed of Variation, can you please explain more? A. This is a mechanism that is mainly used by those who want to redirect an inheritance in order to achieve inheritance tax savings. Usually, inherited assets would accumulate within the taxable estate of the receiving beneficiary who may not want [...]
Interest Rates – Will They Increase? – Hot Topics Q & A
Alternative Investment – Your Non-’Mainstream’ Options – Hot Topics Q & A
Q. What things can I do to make best use of tax planning. I already pay into Venture Capital Trusts, stakeholder pensions, have ISAs. Are there any other similar schemes to think about? A. Thanks for the question. One important point to mention is that whenever you are considering investing you should look beyond the [...]
Tax Avoidance Schemes, Are They Legitimate? – Hot Topics Q & A
Q. I’ve been approached by a firm that claims it can reduce my tax liabilities substantially via a tax avoidance scheme that they are promoting. They want me to invest a sizeable amount and in return my income tax bill will reduce substantially. I have to admit that I’m a little wary of their approach. [...]



