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    2016/17 Pension Allowances

    Annual Allowance: £40,000 Annual Allowance for a Junior Pension: £3,600 Rate of Relief for Contributions: 20%/40%/45% Lifetime Allowance: £1m Tax Free Lump Sum (as a % of total pension savings): 25% Why invest in a pension? • It is a long term savings plan offering great tax advantages. • You receive tax relief on your […]

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    Asset allocation – The difficulty of choice…

    Total returns in £ terms – December 2015 The information shown relates to the past. Past performance is not a guide to the future. The value of investment can go down as well as up. www.standardlifeinvestments.com © 2016 Standard Life, images reproduced under licence

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    “Generation rent”

    With more young people struggling to raise funds for a deposit and more people owning their home outright than ever before, now about 30 per cent of all households rent in the capital, and half of 20 to 35-year-old Londoners not only rent, but expect that renting will be the norm in the future. (London Evening Standard). […]

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    Why you should protect & not predict your future.

    The right protection plan gives you the freedom to enjoy your lifestyle with the peace of mind that you will be in a stronger position to manage the challenges that life can throw in the way, without adding any financial strain. Protecting your family We do not want to think about illness, accident, death, serious […]

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    The THREE C’s and Savings for Starters

    Current account An account with a bank or building society from which money may be withdrawn without notice, typically an active account catering for frequent deposits and withdrawals. What age can you open a current account? As young as age 11 in most banks and building societies (as a child’s account). However some banks only […]

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    The THREE C’s and Savings for Starters

    Current account An account with a bank or building society from which money may be withdrawn without notice, typically an active account catering for frequent deposits and withdrawals. What age can you open a current account? As young as age 11 in most banks and building societies (as a child’s account). However some banks only […]

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    Global Infrastructure Funds

    As the fall-out from Brexit continues to reverberate around the world and many commercial property funds have suspended trading, some investors are beginning to look at global infrastructure. Infrastructure is a long term investment opportunity offering the potential for stable, inflation linked income, diversification and capital growth. Infrastructure as an asset class is typically characterised […]

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    SLI Global Absolute Return (GARs) Update

    GARs is a multi-asset portfolio which is built to be durably diversified. Some elements in the portfolio have performed negatively in recent weeks but, conversely, other strategies have done well. Despite recent volatility, GARs has showed levels of volatility within expected ranges. This is because durable diversification is specifically built into the portfolio, constructing it […]

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    Maximising your ISA allowance

    Many people wait until the end of the tax year to top up or make use of any unused ISA allowance. It is a good disciplined practice, if circumstances allow, to make regular savings. It takes the market timing decision out of the investment equation and you may benefit from pound cost averaging in times […]

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    Pound/Cost Averaging

    The benefits of Pound/Cost Averaging: The result of the EU referendum is likely to see the emergence of a turbulent period for investors. One of the biggest dilemmas investors face is market timing and this is exacerbated during volatile times, such as those we are currently facing. One way to improve the chances of entering […]

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