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The value of pensions and investments can fall as well as rise, you may get back less than you invested.

Tax treatment varies according to individual circumstance and is subject to change.

Emergency Fund

December 10, 2020

An emergency fund is very important as it is a pot of money to fall back on should you either find that your income reduces, such as losing your job, or if you have to pay for something unexpected, such as having to replace your boiler.

Investments
Savings
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What is Income Protection?

December 10, 2020

If you get sick or injured and are unable to work, income protection pays you part of your monthly income. Income protection payouts are tax-free and help you to protect your finances whilst you recover. As the payouts are tax-free, they should cover most of your salary that you stated on the application.

Protection
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What is Life Cover?

December 10, 2020

Life cover, which can also be known as life insurance, is a type of policy that protects your loved ones financially if you die. It can help minimize the financial impact that your death could have on your family, and offer peace of mind to those that you care about most.

Protection
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What is a Platform?

December 10, 2020

In simple terms, a platform is an IT solution that allows clients to consolidate their investments and manage these in one place. In reality, a platform is a service rather than a product.

Retirement
Investments
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What is an Offshore Bond?

December 10, 2020

An investment bond provides a flexible method of investing your money, with the potential for growth over the medium to long term. It is designed to allow your capital to grow and give you the ability to take regular, tax-efficient withdrawals is required.

Retirement
Investments
Savings
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What is an Onshore Bond?

December 10, 2020

An investment bond provides a flexible method of investing your money, with the potential for growth over the medium to long term. It is designed to allow your capital to grow and give you the ability to take regular, tax-efficient withdrawals is required. An investment bond offers the opportunity to take advantage of several tax benefits, including arrangements which can help to reduce your inheritance tax liability.

Retirement
Investments
Savings
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What is a General Investment Account (GIA)?

December 10, 2020

Unlike ISAs, pensions or bonds, a General Investment Account (GIA) does not offer any tax benefits. You pay income tax and capital gains tax in accordance with your personal tax situation.

Investments
Savings
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What is an Individual Savings Account (ISA)?

December 10, 2020

An ISA is a tax-efficient savings account. When you invest money into an ISA, you do not pay tax on any income that the ISA generates. Furthermore, when you take money out of the ISA, any growth that the ISA has generated does not attract Capital Gains Tax.

Investments
Savings
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What is a Pension?

December 10, 2020

Essentially, a pension is just a type of savings plan to help you save money for later in life, typically, your retirement. It also has favourable tax treatment compared to other forms of savings. There are different types of pensions available, depending on your circumstances. So here is an overview of the different options.

Investments
Retirement
Savings
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