St. James’s Place news
Optimise your finances before tax year end
As we approach the end of the tax year, we wanted to remind you of the importance of making the most of all your allowances, tax reliefs and exemptions.
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.
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Optimise your finances before tax year end
As we approach the end of the tax year, we wanted to remind you of the importance of making the most of all your allowances, tax reliefs and exemptions.
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.
Understanding your emotions can make you a better investor
In this article, we look at the four most common emotional responses triggered by money – and how you can manage them. Everyone is prone to letting their heart rule their head on occasion. But if you want to be a better investor, leave your emotions at the door.
Keep it in the family with tax-smart estate planning
You can’t take it with you when you go, so what’s the best way to pass money and assets on – while paying the least amount of Inheritance Tax and protecting your assets from an uncertain future? Your financial adviser can help you keep more of your money in the family by thinking ahead.
Getting on top of Capital Gains Tax
If you sell or dispose of an asset that’s gone up in value, you may pay Capital Gains Tax (CGT) on the profit, or gain. Capital Gains Tax (CGT) can trip many of us up. It’s a tax on the profit, or ‘gain’ that you make when you sell or even gift an asset that’s increased in value.
You, your divorce and your taxes
Divorce changes everything. It can impact where you live, what you earn or own, your friendships and family, and your own physical and mental wellbeing. While many of the conversations and decision-making during a divorce concern money and assets, the last thing on your mind may be your tax bill.
Five things you need to know about Inheritance Tax
An inheritance can be life-changing for those you leave money to. Starting the conversation now means you can feel part of your family’s future, even when you’re gone. You can reduce the amount of Inheritance Tax (IHT) payable with careful estate planning and tax-efficient gifting.
Investing to beat inflation for the long-term
A higher than average inflation rate means that, over time, the purchasing power of your savings may be reduced. Over time, equity investments such as stocks and shares tend to provide greater returns than the average rate of inflation, although this may not always be the case.