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My PFS - Technical news - 18/08/2015

13 August 2015
Personal Finance Society news update from 29 July 2015 - 11 August 2015 on taxation, retirement planning, and investments.    Read more »

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So what's China got to do with you? »

"Well it's over there, not here, and after all every stock market has to go through a crash or two as they grow up" - is not a very helpful way of looking at what has happened to the overblown Chinese stock markets. Over recent years the two mainland stock markets and their indices, theShanghaiand Shenzhen markets, have frankly borne more resemblance to a gambling den rather than investment markets. 

The reform of the tax treatment of dividends - part one »

This is the first of two articles on the subject of dividends and the reforms announced by the Chancellor in the Budget of 8 July 2015. In this article we look at the background to dividend taxation, how the new regime will operate from 2016/17 and the impact on individual investors.  In the second article we will look at the position for business owners and trustees.  Both articles are based on material published to date by HMRC/Treasury, which is sadly thin on detail. The necessary legislation is not due to emerge until Finance Bill 2016, so we are unlikely to learn much more until the draft Bill emerges, probably shortly after the Autumn Statement at the end of the year.

Metal madness »

Have you ever considered investing in Antimony, Cadmium or Zirconium? Could you identify which was which out of a collection of similar looking lumps of metal? Would you even be interested in doing so? I suspect for most investors the answer to all three questions above is a "no" - and a fairly disinterested one at that. However if you could achieve the long-held dream of alchemists and add a few extra electrons, protons and neutrons to the above metals, you'd end up with gold. Now that's a metal that gets investors excited.

To be or not to be a trustee »

Many of those involved in financial services are also active members of their communities and this will often involve acting on boards of local associations, schools, churches and charities. A local sports club for young people will often be set up as a charity.  Those who advise on trusts are often asked by their clients to act as trustee and that alone may cause a variety of potential problems, more on which later. But what does it actually mean to be a trustee in practice? Can anybody be one? Should you be one if you are asked? 

Insurance Institute of London

The Insurance Institute of London (IIL) aims to raise the levels of professional knowledge of those working in insurance in London and assists members in their career development and supports the role and work of the CII. Podcasts, videos and lecture notes from past IIL lectures are available on this site.


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The CII is committed to enhancing the reputation and standing of the insurance and financial services sector. To support this, Policy and Public Affairs produce material covering a wide range of subjects including UK and European regulation, industry developments, legislation and regular public affairs updates.


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