Chris Read: We are all revolutionaries now
We are all revolutionaries now. We are participants and actors in the fourth industrial revolution (4IR). This revolution is a global event, and its intensity is picking up as time goes on. The 4IR as...
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Robin Eggar: How to think about diversification when approaching retirement
The industry has been of the belief in the past that as you get closer to retirement you need to protect your investment value at all cost, so you can maximise withdrawals that you wish to take in...
View ArticleAegon joins with Edinburgh uni on financial wellbeing
Aegon and the University of Edinburgh have announced a partnership in a bid to develop a new approach to financial engagement. The ‘knowledge transfer partnership’ will last for two years and will see...
View ArticleDWP: 88% of eligible workers enrolled in workplace schemes
Almost nine in ten eligible pension savers across the UK were participating in a workplace schemes last year, with the figures proving a steady increase since 2012 is being maintained. The Department...
View ArticleSIPP commercial property queries shoot up during pandemic
Self-invested personal pensions (SIPP) commercial property queries at provider Curtis Banks increased 56% in the first half of 2021 compared to the same period last year. It said commercial property...
View ArticleNeil MacLeod: Diversify wrappers to maximise tax-free allowances
Financial planning often requires the ability to recommend a suitable “income” strategy for a client. You could be dealing with a business owner, someone in retirement or the trustees of a trust. But...
View ArticlePM confirms 1.25% NI tax increase to fund health and social care
Prime Minister Boris Johnson has confirmed that National Insurance (NI) tax will increase 1.25% from April 2022 to fund social care reform and the NHS. Laying out funding plans for health and social...
View ArticleDividend tax hike hits ‘entrepreneurial spirit of the nation’
Prime Minister Boris Johnson’s announcement that dividend taxes will increase by 1.25% to fund social care reforms has been described as a “last-ditch attempt” to spread the costs across society, with...
View ArticleConservatives suspend state pension triple lock for 12 months
The state pension triple lock has been suspended for one year, the government has confirmed. The change comes from the government’s concern that a post-pandemic rise in average earnings would have seen...
View ArticleCost of health and social care reform will be a ‘bitter pill to swallow’
Advisers and financial services experts say that the increase National Insurance (NI) tax provides some clarity on social care and NHS issues, but will increase financial vulnerability, especially for...
View ArticlePunter Southall Aspire links with providers to push ‘National Pension Tracing...
Punter Southall Aspire has joined forces with four of the country’s biggest pension providers to launch National Pension Tracing Day on 31 October to highlight the issue of missing or lost pots, which...
View ArticleDavid Downie: The crucial role of advisers (and cashflow models) in 'no...
Is this the end of the blame game? In April next year, the Divorce, Dissolution and Separation Act 2020 – designed to allow married couples in England and Wales to issue divorce proceedings without...
View ArticleRegulator asks pensions industry to help build savers’ understanding
The industry must work together to help savers better understand their options before they reach retirement, according to The Pensions Regulator (TPR). Speaking at PA’s sister title Professional...
View ArticleChris Read: Building long-term care provision into centralised retirement...
In one of my recent lockdown thought pieces which Retirement Planner kindly gives space to each month, I alluded to the perils of failing to prepare for long-term care (LTC) provision. I mentioned the...
View ArticleBob Champion: The cost of care
I recently saw a Twitter thread on the cost of care. This was not the usual thread started by a care professional but one beginning with a person’s experience in finding appropriate care for their...
View ArticleRP case studies: A tangible (moveable) challenge
Jake and Bill run a flourishing supply chain business dealing with all sorts of consumer goods. In fact, things have gone so well for them over the past few years that their limited company business...
View ArticleChris Read: Working 9-5?
Will St Benedict become the patron saint of office workers in a post-Covid world? Work is an integral part of the rhythm of Benedictine monastic daily life. Monks and nuns work to earn a living and...
View ArticleCombined auto-enrolment and personal pension provider Collegia launches
A combined auto-enrolment (AE) and personal pension provider has launched in a bid to provide savers and employers with a seamless, greener and engaging proposition. Founded by Eduardo Chazan and...
View ArticleGovt to pay out £1bn after chronic state pension underpayment
The government is to distribute up to £1bn to 134,000 people after underpaying their state pension over the course of several decades with 90% of those affected being women. Out of 134,000 cases, about...
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Chris Jones: I who have nothing
One of the traditional sayings about financial objectives is: ‘For the cheque to the undertaker to bounce.’ What was meant by this was that you spent all your money during your lifetime yet never ran...
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