Month: August 2013

Ten top tips for reducing your tax bill

1. Pay into a pension scheme Invest in a company or personal pension scheme and gain tax breaks on your personal pension contributions. 2. Maximise personal allowances… Ensure that you are making the most of your tax-free personal allowance (PA). If your spouse or partner has little or no income, consider transferring income (or income-producing […]

Building a personal savings portfolio

We are all being encouraged to save for our futures, while at the same time many of us feel discouraged by low interest rates and returns on our savings. Critically, many of us see the value of our savings over time, just not keeping up with inflation –  we feel that what we put away […]

Getting divorced can reduce retirement income prospects

Prudential’s Class of 2013 research, the latest of its annual studies into the financial plans and expectations of people planning to retire in the next year, has for the first time looked at the impact of divorce on retirement finances. The results have highlighted stark differences in expected retirement income between those who have been […]

August Market Commentary

Introduction There was good news and bad news for the world economy in July – as ever, commentators were divided on whether the glass was half full or half empty… The price of gold has been steadily falling since its peak of $1,900 an ounce in August 2011. At the beginning of July it stood […]

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