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Analysis , Property , Shares , Small Caps , Tax Efficient Investing , Viewpoint

Financial planning or financial advice?

We don’t have to go back far in time to see an industry where financial advisers were transaction based. They earned their living by selling financial products and being paid

Analysis , Property , Shares , Small Caps , Tax Efficient Investing , Viewpoint

What should you expect when paying for advice?

For some it means a nudge in the right direction or assistance in determining what product they should buy or maybe what funds they should hold in their ISA. For

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Budget 2013: Drawdown rates could fall after review

Aviva has warned that the Government Actuary’s Department review of how it calculates the “GAD maximum” – used to set drawdown rates – might see the limit fall back from 120%

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Budget 2013: Taking AIM to make investments perform

This follows on from the consultation on allowing AIM shares to be eligible investments in a stocks and shares ISA. They were previously excluded because they were considered too risky

Analysis , Property , Small Caps , Tax Efficient Investing , Viewpoint

Budget 2013: What it means for savers and investors

A surprising but very welcome part of the Budget Statement was the announcement that the government will be consulting on options for transferring Child Trust Funds to Junior ISAs, which

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Budget 2013: Earlier deadline for flat rate pension

“It will help the low paid, the self-employed and millions of women most of all,” he claimed. But the National Association of Pension Funds warned this could damage the pensions

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Budget 2013: Boost for family finances

There is also to be a 12 week consultation to allow the transfer of Child Trust Funds to Junior ISAs. Government figures show 71,000 Junior ISAs have been opened since

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Budget 2013: Tax relief for investors

And he scrapped stamp duty on shares traded on growth markets such as AIM altogether. “Many observers of the British tax system complain that it has long biased debt financing

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Budget 2013: UK growth forecasts slashed

It now anticipates the UK will grow just 0.6% this year, 1.8% growth in 2014, 2.3% in 2015, 2.7% in 2016 and 2.8% in 2017. Chancellor George Osborne admitted the

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Budget 2013: All you need to know

Growth cut The Office of Budget Responsibility slashed UK growth forecasts by half due to weak exports, suggesting the UK will grow just 0.6% this year, 1.8% growth in 2014,