A government with a big majority may be better positioned to change the pension tax relief system

They say that a week is a long time in politics.  So the fortnight since I posted this article on the Lifetime ISA and potential changes to pension tax reliefs could now be considered an age. For yesterday’s surprise announcement of another General Election in the UK once again throws many certainties and assumptions on […]

19 April 2017 by Steve Herbert

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The Lifetime ISA may not pose a threat to traditional pensions while current tax reliefs remain in place

Last month’s very public government U-turn on the decision to increase National Insurance contributions for the self-employed was largely delivered because of pressure from the Tory back-benches rather than HM’s Official Opposition.  This only serves to underline how precarious the Government’s current position is.  For at least the next two years the Administration must seek […]

6 April 2017 by Steve Herbert

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Adding India to your ISA now could help you save for decades

Mentioning demographics when one talks about India almost seems redundant – so obvious an advantage does that country have. Yet with a population of around 1.3 billion; a growing, youthful workforce; and a swelling middle class, it’s also impossible not to highlight the long-term potential. UK equity funds form the core of most people’s ISA […]

21 March 2017 by Darius McDermott

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The signs are there for the end of the expansion but they are not very strong

No-one really seems to have enjoyed the current economic expansion and now, because it has been going on for several years, some are worrying about the end. The typical end of cycle signs are there – rising inflation, higher interest rates, leverage and overvalued financial assets. But, really, they are all quite tepid. The Federal […]

17 March 2017 by Chris Iggo

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Tax free childcare is finally due to launch next month, but will the ship leave harbour?

Yesterday the Chancellor confirmed that the government “flagship” policy of Tax Free Childcare is still intended to launch in April this year. Some may argue that this action is well overdue.  This new policy has been awaiting its maiden voyage since it was first announced by the then Coalition government way back in 2013, and […]

9 March 2017 by Steve Herbert

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Looking for consistently good fund management firms

Most of us have a favourite restaurant. You know, a place we like to go where the food is always good, the staff are friendly and we’re happy to recommend it to our friends. The key is consistency. If we went some nights and waited an hour only to get cold food – well, that […]

21 February 2017 by Darius McDermott

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Government can reach the ‘Just about Managing’ by giving more help to working parents

You don’t need me to tell you that Chancellor Philip Hammond faces another delicate balancing act come the Spring Budget in March.  With the UK’s future still far from clear, the Chancellor must show leadership with his decisions to ensure that – in his own words – the economy is “match-fit” for whatever uncertainties lie […]

17 February 2017 by Steve Herbert

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Five thrifty tips to help you start saving and investing

One of the common barriers to saving and investing is that people simply don’t have any spare cash at the end of the month. Their wage is used up on the necessities in life – like feeding their family and putting a roof over their heads. It’s hard to argue with those priorities! With inflation […]

25 January 2017 by Darius McDermott

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The best of times or the worst of times?

Economic momentum is improving. It is supporting risk assets and delivering good returns to investors. Can it last? It can if the Federal Reserve (Fed) does not need to raise rates too quickly, if the new US Administration can deliver on tax cuts, if corporate animal spirits are revived and if Trump shuts down his […]

6 January 2017 by Chris Iggo

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Productivity and the poverty premium

As we enter 2017 it is becoming increasingly apparent to all that the likely future trading relationships of the UK are still very much a work in progress.  No one truly knows what lies ahead for the country, yet this lack of detail should not deter employers from taking action to ensure that each and […]

6 January 2017 by Steve Herbert

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