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How long will your pension last?

by | Dec 24, 2018 | Insights

Home » Archives for December 2018 From April 2015 when the then Chancellor George Osborne changed the rules and brought in pension freedoms, people have suddenly switched from buying an annuity to flexible drawdowns, where they can take out what they want when they...

Global Fund Markets

by | Nov 27, 2018 | Insights

At the beginning of October, the tariffs Mr Trump hit China with finally had their effect on fund prices and values. To be honest, these tariffs had been in existence for a wee bit of time, so it wasn’t a surprise that they now hit home. What was a surprise was that...

IHT Planning Case Study

by | Nov 27, 2018 | Insights

We always talk about IHT planning and what we can do for clients, but sometimes it is difficult to see the substance behind our words. So, what better way to explain things than by taking an example case: Mr & Mrs Smith are both retired and aged 64 and 67...

Divorce and Pensions

by | Nov 27, 2018 | Insights

We all know that when a couple divorce, any pension funds need to be included in the final settlement. But at what value? Whether you look at pension sharing, earmarking or indeed offsetting, you still must work to a value, and that’s where the difficulties might come...

Interest Rates and Changes

by | Sep 17, 2018 | Insights

Earlier this month, the Bank of England raised interest rates from 0.5% to 0.75%. This is not a big increase admittedly but bearing in mind the 0.5% was in existence in March 2009, and hasn’t changed at all since then, I suppose this is a big change, in a kind of a...

Tax Planning and The Markets

by | Sep 17, 2018 | Insights

When we invest client money at MAP, we always take the markets and the current situation into account…you have to! First of all, when we put money away for a client, we always use accumulating funds, as opposed to income funds, where possible. But why? If you...