Access Pension Info Online

Pensions Dashboards Programme- progress update report

Matthew Barrand Pensions

The vision of the Pensions Dashboards Programme could not be simpler. Its aim is to enable individuals to access all their pension information online, securely and all in one place, thereby supporting better planning for retirement and growing financial wellbeing. However, the delivery challenges underlying this vision are significant even more so in the current circumstances. Delivering this valuable service …

Flexible mortgage

Do you want your savings to work harder?

Matthew Barrand Uncategorized

Do you want your savings to work harder, but feel uncomfortable with taking any investment risk? – then a Flexible Offset Mortgage could be for you… Very simply described, an Offset Mortgage is a way of using the credit balances in your savings and current accounts including ISAs, to help reduce the mortgage balance you are charged interest on. By …

Pandemic prompts will ammends

Pandemic prompts one-third of UK to draft or amend their Will

Matthew Barrand A Tawny

The coronavirus pandemic has already prompted a third (33%) of people in the UK into either drafting a new Will or amending an existing one, according to a new study from Handelsbanken Wealth Management. Handelsbanken suggested that the crisis is having a wider effect by making families more open with their finances, with 78% of people believing the pandemic will …

Annual subscription limit increased

Junior ISA and Child Trust Fund annual subscription limit

Matthew Barrand Investment

The annual subscription limit for Junior ISAs and Child Trust Funds has increased, quite substantially, from £4,368 to £9,000 (meaning that 16/17-year-olds can have £29,000 in total (including £20,000 to a cash ISA) added to these tax-efficient shelters in 2020/21.

Investing in uncertain times

Finger on the pulse – Investing in uncertain times

Matthew Barrand Uncategorized

Global stock markets are suffering a period of volatility as a result of the COVID-19 outbreak. Although markets do not respond well to periods of uncertainty, what is certain is that volatility goes hand in hand with stock market investment; and although market movements can be concerning, experience teaches us to expect the unexpected. Calm & collected To navigate market …

Make time for life’s big decisions

Make time for life’s big decisions

Matthew Barrand A Tawny

In the current climate, there is uncertainty in all of our lives with both health and financial concerns. However, while we are all understandably focusing on the here and now, it might be worth using this time to take a step back and review your long-term financial wellbeing as well. This newsletter takes a look at some of the areas …

Fancy Building your own home this year?

Matthew Barrand A Tawny

Have you ever considered building your own home? One that fits your exact requirements and taste? If the answer is yes, you are among a growing number of people attracted to the flexibility and profitability of self-build homes. Over 13,000 custom and self-built homes were built in the UK in 2017, and that figure is estimated to have risen to …

Ethical Investment

The evolution of ethical investing

Matthew Barrand Investment

Ethical investment has traversed into the mainstream, as people increasingly choose to allocate their investable funds toward companies whose values and practices align with their personal beliefs, whether they be environmental, social, religious, or political. Some investors may choose to eliminate specific industries or allocate to other sectors which meet their ethical preferences. This involves creating an investment policy with …

Marriage Allowance

Transferring your Marriage Allowance to your husband, wife or civil partner

Matthew Barrand Tax

Marriage Allowance lets you transfer £1,250 of your Personal Allowance to your husband, wife or civil partner. This could reduce their tax by up to £250 and it can be backdated as far back as the tax year 2015/2016, if eligible. To benefit as a couple, you (as the lower earner) must normally have an income below the Personal Allowance …