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The taxable benefits of buying an annuity
Sales of annuities have been rising in recent years, reversing a downward trend.Income certainty, rising interest rates and IHT planning are factors driving increased interest in annuities.Annuity rates are linked to government bond yields and therefore can rise and...
Women & wealth: Navigating the financial future
Women hold more wealth than at any time in history and this will increase over the coming decades.Structural and financial barriers prevent many women from reaching financial parity with men, and although this is changing, it takes time.We know the right messages can...
Saving & investing for children & grandchildren
Most long-term investment options for children and grandchildren, such as junior ISAs, personal pensions and accounts held in trust, are subject to specific access rules.Savings accounts may be more suitable, particularly if money is likely to be needed in the short...
The tax benefits of owning a home
First time buyers are eligible for one of the biggest tax breaks for homebuyers – zero stamp duty land tax on the first £300,000 of their property value. Homeowners who take a lodger can earn up to £7,500 additional income tax free annually, through the...