Offshore investment bonds vs UK investment bonds »
Offshore Bonds are often put forward as the ultimate investment for tax efficiency. But whilst they are tax efficient, there are a number of other commercial issues to consider – not least the charges involved and the investment fund links available.
Protection trusts - do we need them? »
The subject of life assurance protection and the speed with which claims following the death of a life assured are settled has been in the news lately. While some are still convinced that life assurance companies will do anything to get out of paying a claim, this is not supported by the facts, with some companies claiming a 100% record of payments.
The importance of watching the ball »
The recent football World Cup in Russia brought back some rose-tinted memories of my own time playing football as a child. Whilst my innate lack of talent ultimately counted against me, I still remember many coaching tips. One in particular stands out – the importance of watching the ball. When defending, we were told to ignore any feints or tricks from the opponent and always to focus on the ball rather than be distracted by other factors.
Carillion - Lessons Learned? »
On Thursday 12th July the House of Commons debated the collapse of Carillion and lessons to be learned from such a major business failing.
Investing for Children Part 2 »
In part one of this two-part article, which looks at the opportunities for investing for children, we looked at the background to investing for children and at investments which can be held in the name of a child.
In part two we will look at how investments which cannot directly be held in a child’s name can be arranged and used for the child’s benefit, and the general tax implications for holding investments in that way.
Summer 2018 update: some recent developments affecting trusts and estates »
There have been some recent interesting developments in the area of trusts and estates that affect financial planning.
Market declines should be seen as opportunities, not threats »
As the mid-point of 2018 passed, almost every equity market in the world was lower than at the start of the year. Europe, Japan and the UK were down by between two to four percent, while many an emerging market saw percentages closer to double digits shorn off. The US equity market was the only exception.
The London Journal 2018 »
Here you will find the Insurance Institute of London Journal, 2018 edition. This issue contains the following news and articles:
To top up or not to top up – that is the question »
The introduction of the new single tier state pension in April 2016 brought with it a change to the minimum number of years of National insurance contributions or credit required to achieve a full state pension. For males born after 6 April 1951 or females born 6 April 1953, they are now required to work, or receive a credit, for 35 years. Prior to April 2016 you were only required to work or receive credit for 30 years.
Investing for children: Part 1 »
Given the rising costs of education, be it private education or further education, and the difficulties children often face when trying to get on the property ladder, many parents, grandparents or guardians are often faced with having to consider what planning options are available to them to help meet some of these challenges. In this two part article we look at the opportunities for investing for children.