our education | savings
Finding the world of finance overwhelming? Have a read through our articles & start learning!
What is a Pension?
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...
What is an Individual Savings Account (ISA)?
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. How much...
What is a General Investment Account (GIA)?
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. So why would I invest in a GIA? When you have utilised your ISA allowance, or...
What is an Onshore Bond?
Firstly, what is an investment bond? 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...
What is an Offshore Bond?
Firstly, what is an investment bond? 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...
What is a Platform?
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.A platform includes the following features:A single fee from the platform...
Emergency Fund
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. A good rule of thumb for the...
What is Inheritance Tax?
Inheritance Tax is a tax on the estate (the property, money and possessions) of someone who’s died.
What is Business Property Relief?
When first introduced, the main aim was to ensure that after the death of the owner, a family business could survive, without having to be sold or broken up to pay an inheritance tax liability. Since then, Business Property Relief has been varied to also encourage people to invest in businesses, regardless of whether they run the business themselves.
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.
Business Property Relief Schemes (BPR) invest in assets that are high risk and can be difficult to sell, such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.
Investors do not pay any personal tax on income or gains, but ISAs may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Stocks and Shares ISAs invest in Corporate bonds; stocks and shares and other assets that fluctuate in value.
Inheritance Tax planning is not regulated by the Financial Conduct Authority.
drop us a line
You can read a copy of our Privacy Notice by clicking here.
kind wealth
adds value
When deciding the fees we charge for advice we want to be sure you receive value for money and that the solutions we recommend are likely to deliver your objectives.