Investing company money that has built up within a business bank account poses a challenge to many company directors. If you are a dentist that has decided to incorporate (or perhaps you’ve already done it), or a doctor with private earnings that has incorporated, one of the main differences you’ll have noticed is that there [...]
Pensioners Concern By Change In Inflation Rules – Hot Topics Q & A
July 20, 2010 By
Q. I know that there is going to be a review of all public sector pensions, including the NHS scheme that I am a member of, but have I heard it right that the government have already announced that any pension inflation increases are going to be linked to a different index than the Retail [...]
Should I Wrap My Investments? – Hot Topics Q & A
January 18, 2010 By
Q. I keep reading about ‘Wrap Platforms in the press, and have noticed you also use them for your clients’ investments. My own adviser says he prefers to use the ‘tried and tested’ insurance companies for my ISAs and Pension policies. What are the main advantages of using this way to manage your investments? A. This is [...]
Investment Costs – What Is The ‘Real Deal’?
December 9, 2009 By
We have visited this subject many times, but make no apology for doing so again. If you currently have investments in Unit Trusts, Stocks & Shares ISAs or Pensions, or are planning to do so, then reading this article could save you a small fortune over, say, 10 – 20 years. Let’s take a look [...]
NHS Pension Scheme Contribution Percentages – Hot Topics Q & A
March 17, 2009 By
Q. I am a Consultant age 57, and have decided to go part time next month. Looking at all the implications am I right to say that although my pay will be greatly reduced, I will still pay NHS Pension contributions based on my Whole Time Equivalent income? A. You have obviously done your homework. Yes [...]
New NHS Pension Choice At Retirement – More Pension or More Cash?
February 11, 2009 By
In the past when it came to how the NHS paid your pension, it was very simple. You had a pension based on the number of years’ service in the Scheme, your income, and whether you had purchased added years. You also received a tax free lump sum of three times that pension (although GMPs [...]
Retirement Planning – Should You Take Your Pension at 60?
October 28, 2008 By
This week we are discussing a scenario where an individual is about to reach 60 and are wondering whether they have to take their pensions at 60, or if they can delay this decision. And indeed, what are their overall options? Some years ago, many in the pensions world advised investors not to touch their [...]
Using a Wrap Account To Manage Your Investments – Hot Topics Q&A
March 26, 2007 By
Q. I am planning to retire in about 5 years and have a number of investments, including 3 personal pensions and 7 ISAs and PEPs. In total, the money is invested in 19 funds. I’m finding it hard to keep track of all the funds and am not sure if I’m taking too much / too little risk. I’ve heard [...]
