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Archive for March, 2012

Interesting to note how quickly the industry moves these days when it comes to shutting products down. That’s L&G, Skandia and Transact all removing what were effectively high net worth individual tax dodges. Whats more interesting however is Skandia’s assertion that they were already planning on pulling MIPs with RDR (banning commission) on the way next year. That does imply, to me, that in the…


The Budget is a funny moment for anyone in the financial services industry. There’s all the parliamentary banter and pantomime or the BBC versus Sky News teams having their “cup final” moment, and sounding a bit too much like David Mitchell on football for my liking. If you work in financial services you ignore all the artificial sound and fury, and spend hours looking at…


It’s not often I’ll say this but I have to say I admire George Osborne’s guts in taking on the baby boomers. Freezing their tax allowance and effectively ending the age related allowance is a very “brave and courageous” decision. Of course the baby boomer and grey vote are already gearing up for a fight and #grannytax was almost immediately trending on twitter. “When ah were a lad”,…


When it comes to saving and investing money, anyone interested in avoiding the taxman will have heard of the Individual Savings Account. Introduced in 1999, the ISA is a popular, useful way of generating returns within a tax-free wrapper. Many people think taking out and managing an ISA is complicated, but taking the time to familiarise yourself with the details can make the process a…


Saving and investing money is a way to encourage good financial practice and could provide peace of mind for any financial burdens – both expected and unexpected – that you may encounter in the future. Putting something aside regularly can help you prepare you for those big costs: towards your children’s education, medical expenses or even that post-retirement round-the-world trip you’ve been planning! When you’re…


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