Blogs & News

Will the tax man be the main beneficiary of your estate?

News headlines of tax avoidances schemes can be unsettling, especially if you worked to protect the assets you have a built up over many years to go to your chosen beneficiaries rather the tax man. In fact, according to data from the Office for Budget Responsibility, inheritance tax receipts increased by 16.4% during the first [...]

SIPP use on the rise after pension transfer activity explosion

Investments made through pension wrappers have reached a new high of £13.4bn in the third quarter of 2017, up 66.3 per cent on last year.* The figures showed the amounts coming into pensions through transfers was particularly high. For instance, transfers into self-invested personal pensions (SIPP) more than doubled over the past 12 months to [...]

Fit to work?

After two years, the Department for Work and Pensions (DWP) is ending its Fit for Work referral and assessment service. This service offered a free and independent clinician’s view of an employee who has been off work for four or more weeks, providing insight for employers and employees about the prognosis of recovery and recommendations [...]

Are you retirement ready?

If you’re ready to decide what to do with your pension or you just want to understand what your options are when you turn 55, this blog has been written to help you. With new pensions freedoms in effect, you may not be aware of what’s available. Previously, people had to wait until retirement to [...]

When no news is good news

Neil MacGillivray of James Hay Partnership is relieved that the Chancellor decided to leave pensions and ISAs alone in his recent budget. He explains why a combination of the two is essential for retirement planning. James Hay Partnership is an investment partner of Wren Sterling. The zeal of the Osborne era to push for an [...]

Combined insurance: Are you covered?

3 protection products to help you protect your family if the worst should happen It can be possible to get combined Life Insurance and Critical Illness Cover (CIC), for less than the cost of two individual policies – but check the small print as these policies can also be more restrictive. If you don’t want [...]

Life Insurance: Are you covered?

3 protection products to help you protect your family if the worst should happen We insure our cars, our homes, and even our holidays – but very few of us protect ourselves and our families against illness or death. Could your family pay your mortgage or debts if you weren’t around anymore? What would happen? [...]

Critical Illness: Are you covered?

3 protection products to help you protect your family if the worst should happen Each year close to a million people in the UK find themselves unable to work due to a serious illness or injury (ABI ). And it’s not uncommon to confuse the cover you have, thinking you’re protected when you’re not. This [...]

Risk and reward in Venture Capital Trusts

Venture Capital Trusts (VCTs) offer investors a number of tax benefits in return for taking the risk of investing in UK smaller companies. VCTs were once considered ‘niche’ investments, but recent events have put them on the radar of a much greater number of UK investors, explains Stuart Lewis of Octopus Investments. There is a [...]