Pensions – perhaps Nanny really does know best

For most of the last decade pensions – and pension savings – has been a really big political topic. At the 2015 General Election pretty much every major political party gave over large sections of their manifestos to the subject, yet less than two years later and the topic of pensions was most notable by […]

6 November 2017 by Steve Herbert

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The Taylor Review: Poor timing?

Despite slowing economic indicators – and the many uncertainties of Brexit just over the horizon – the UK’s employment figures have been rather impressive of late.  The official ONS figures in June this year show a record employment rate of 74.8%.  So how is this being achieved? There are many factors at play here, but […]

9 August 2017 by Steve Herbert

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Brexit – Changing our outlook?

Despite being very British in my world outlook, I am not blinkered to some of our national shortcomings.  And I admit to being more than a little concerned about the Brexit journey ahead, and the nation’s apparent lack of progress to prepare for this challenge. I have long suspected that part of the problem is our national […]

31 July 2017 by Steve Herbert

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After the election, what now for tax relief on pensions?

I must admit that I really didn’t see the election result coming.  I’m still rather stunned that the Conservatives managed to lose both a commanding lead in the polls, and a workable majority in the House of Commons, in the space of just a few weeks. Whilst we are on the subject of unexpected outcomes, […]

13 June 2017 by Steve Herbert

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Pensions: An open goal?

Theresa May’s stated aim for calling the 2017 General Election is to provide a stronger working majority to enact legislation around Brexit – thus removing the nagging doubts that some of her MPs might rebel in key votes.  And the bottom line remains that, despite some recent own-goals, the Tory Party are likely to be […]

26 May 2017 by Steve Herbert

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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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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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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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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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