Cookies on the PFS website

By using and browsing the PFS website, you consent to cookies being used in accordance with our policy. If you do not consent, you are always free to disable cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. Find out more »

Personal Finance Society
Recently added to my basket
Sorry but there was an error adding this to your basket. Please try adding it again

Watch sessions from the Q4 2015 regional conferences online now

If you missed the chance to attend the Q4 regional conferences, or you wish to go back over what you heard on the day, then please use the links below to watch the recordings of the sessions.

For more information on regional conferences, including upcoming events and past recordings, please go to:

Regional Conferences »

EIS, SEIS and VCT - Tax efficient investing

Learning objectives - be able to:

  • Compare and contrast the EIS, SEIS and VCTs
  • Understand the changes for EIS and VCT investors announced in the 2015 Budgets - eg changes affecting pension tax relief for high earners are likely to support increased demand for VCTs as a tax efficient way to save. They also have tax free dividends, which is important following today's changes to taxation of dividends
  • Understand which clients and planning scenarios are best suited to EIS, SEIS and VCTs.
  • Be able to place each vehicle within its regulatory context
Play video »


Investment outlook - Forewarned is forearmed

Learning objectives - be able to:

  • Demonstrate the need for caution
  • Explain why economic 'exit velocity' will be difficult to achieve
  • Identify which asset classes offer value
  • Enable delegates to make more informed investment decisions
Play video »


Pension freedom: Choices and the New Normal

Learning objectives - be able to:

  • Identify key principles to embed in the advice process
  • Outline ways in which a client's capacity for loss can be discussed and assessed
  • Describe a range of options available to clients wishing to use DC pensions to create retirement income, and evaluate the risks of each
Play video »


Achieving better outcomes through identifying and overcoming behavioural biases

Learning objectives - be able to:

  • Understand the main behavioural biases which may compromise investment decision making
  • Identify the behavioural biases exhibited by your clients through the use of structured questions
  • Provide advice to your clients on how to overcome any identified behavioural biases
Play video »


Investment trusts: RDR - ready since 1868

Learning objectives - be able to:

  • The structure, regulatory framework and make up of an investment trust
  • How investment trusts differ from OEICs and unit trusts
  • The impact of gearing, discounts/ premiums and liquidity
  • The costs involved in dealing
  • How investment trusts can be used for both growth and income investors
Play video »


Case study - Mr and Mrs Cream- Post Budget planning opportunities

Learning objectives - be able to:

  • Understand the various remuneration strategies available to a director/shareholder of a private limited
  • company and appreciate how these are likely to change in 2016/17
  • Appreciate how a director's spouse can be employed in a business and take tax and NIC-efficient
  • drawings
  • Understand the pension changes that will be taking place in 2016/17 in relation to both:
    • The reduction in the lifetime allowance and
    • The restriction in pensions tax relief for additional rate taxpayers
  • Be aware of the advance planning action that could be taken in relation to the forthcoming changes on:
    • The restriction in annual allowance for high income individuals
    • The alignment of PIP dates
    • The use of carry-forward relief in maximising contributions
    • The reduction in the LTA
  • Be aware of the need to make sure the terms of any pension product permits the proposed planning
  • Appreciate how the taxation of investments will change from 6 April 2016 and be aware of the tax planning opportunities that exist
Play video »


Boosting retirement income - State Pension top up in context

Learning objectives - be able to:

  • Understand and explain UK pensions reforms and their implications
  • Understand and advise clients on the 'State Pension top up' scheme and its implications for financial planning in retirement
  • Confidently explain the impact of State Pension reform in broad terms
  • Identify and advise upon key areas where clients can benefit from the reforms, based on their individual circumstances
Play video »


Q4 Partners in Professionalism

Q4 PiPs Banner