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St. James’s Place news
Navigating the Spring Budget: opportunities for tax efficiency and financial planning
The latest Budget announcements carry significant implications and remind us of the continuing relevance of some unchanged provisions. For individuals and businesses alike, understanding the intricacies of the Budget and leveraging the changes for tax-efficient financial planning is crucial.
How you can beat the 60% tax trap
If you’re a higher-rate taxpayer, you might end up paying more tax than you bargained for. If you’re earning between £100,000 and £125,140, the tapering of the personal allowance means you could end up paying 60% tax.
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Why it’s time to start talking long-term care with your family
Feeling financially and emotionally responsible for the welfare of both children and parents can feel like being caught between a rock and a hard place. Financial advice can be invaluable in finding the best, and most affordable solutions to long term care for those you love.
Silver linings in the Spring Statement?
UK economic growth prospects may look anaemic but there were glimmers of positivity in the government’s Spring Statement.
Protect your loved ones with tax-efficient planning
Nobody can predict your future, but that doesn’t mean you can’t prepare for it. Protecting your family and your assets brings reassurance that, whatever happens, everything you care about is properly safeguarded.
Investing in small companies: making a big difference?
When investing in equity markets, size can have a big impact on volatility and risk. The smaller end of the market can be buffeted by overall movements more than bigger, long-established companies. It’s much like the real world – smaller items can get blown around more in a storm.
Is it too late to start saving for retirement at 60?
‘When can I afford to stop working?’ It’s the question most of us start asking ourselves, when we reach our fifties or sixties. There are now more families with several generations in retirement than ever before – making the need for financial planning even greater.
Your family financial to-do list for 2025
More and more of us want to use our money to create family wealth, not just personal wealth. According to recent SJP research, almost 70% of us expect to support our families financially, both before and after we die.
Using pensions & ISAs to reduce your tax bill
Although the Government has pledged not to raise taxes for working people, many of us will face higher tax bills as a direct result of the Autumn Budget. So it’s more important than ever that you make the most of the tax savings opportunities of pension and ISA allowances.
What do we mean by ‘systematic investing’?
Historically, most investors putting their money into a fund have had two options. Each approach has its own pros and cons, and we believe both have a role to play in a well-diversified portfolio. We can combine the two in our investment solutions, while also using options that sit somewhere between them. One of these options is active systematic investing.
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