Tag Archives: ISA

Planning ahead if you’re self-employed; (HL’s first class research)

We should be grateful to Nathan Long and Hargreaves Lansdown for continuing to research what’s actually happening with the self-employed. It’s long been remarked that there are many types of self-employment ranging from the professional partnerships to those just getting … Continue reading

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Hunt’s right; tax should incentivise us savers to boost Britain.

Cash ISAs are strange. They are supposed to encourage long term saving  but are used as a tax-shelter for higher rate tax-payers who have large amounts they do not want to invest – for the long-term. The Chancellor is now … Continue reading

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Maybe financial robots better stick with providing factual information.

At the end of January, one of Europe’s best hopes to succeed as a Robo-Adviser, closed its doors on UK investors, choosing to focus on Germany as its core market. In a very perceptive article, Malcolm Kerr puts his finger … Continue reading

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Who cares? And how do we pay them?

News that the Government is mulling a new Care ISA – to be funded from retirement savings will be greeted with joy within the bubble and indifference from the vase majority of people who do not plan for the consequences … Continue reading

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How can we expect the young to save? Here’s how!

The odds are stacked against our kids. Low interest rates make paying a mortgage a cinch But tight credit makes getting a first-time  mortgage a nightmare House price inflation makes first-time buying near impossible And pushes up rents as demand … Continue reading

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Payroll as distributor; can payroll win the battle of benefits?

“Payroll is our next distribution channel”, an insurer assured me last week. We were at Sage Summit, inspecting “Sage People” and the employee benefits package that was launched late last year to Sage 50 users, My mind went back to the late 1990s … Continue reading

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Getting “generation rent” to save for later.

Matthew Vincent has some fun in the FT at the expense of the chin hairs, the Digital Garages and the “app’ll fix it” culture among pension strategists. You can read the fun here https://www.ft.com/content/2926e0ae-86ee-11e6-bcfc-debbef66f80e . (provided you’ve got your FT subs to … Continue reading

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What do we mean by Independent Financial Education?

This is an article that my firm First Actuarial have been sending to their clients. It’s so clear and simple, I thought I’d share it. Of course we’ll be sending it to Andy Haldane at the Bank of England! What … Continue reading

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Michael Johnson and the Super ISA

This is the latest from tax and pensions supremo – Michael Johnson. Love it or hate it – the pensions ISA or Super ISA as Michael calls it- looks set to dominate our thinking over the next few months   … Continue reading

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Why “pensions ISAs” must be more than ISAs

Ros Altmann has recently commented that simply topping up ISAs and calling them “Pension ISAs” is not going to help solve our long-term retirement problems. The danger of using the ISA structure is that it ignores the fundamentals- that people … Continue reading

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