ISA returns of the year – January 2018 Newsletter

Welcome to our first edition of 2018. The New Year is the perfect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement provision, looking to mitigate a potential Inheritance Tax bill or reviewing your level of protection in the event of an unexpected event.

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We’ve now entered a new age of retirement planning with the introduction of pension freedoms. Thinking about pensions sooner rather than later can mean the difference between a comfortable retirement and struggling to make ends meet. We provide seven pension tips for nurturing your nest egg in 2018.

A new tax year is nearly upon us – and that means, for all diligent savers and investors, it’s important to make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance. And the good news is you don’t even have to declare any investments held in ISAs on your tax return. This may not seem like much, but if you have to file an annual tax return, you’ll know that any way of simplifying your financial administration can be very helpful.

Regardless of the life stage you have arrived at, it is important to receive expert and professional advice on your pension plans and requirements. However, the UK’s middle-aged workers could be sleepwalking into retirement poverty. Four in ten people aged between 40 and 65 cannot accurately estimate their total pension savings for retirement. We look at the reasons why.

Writing a Will may seem daunting – and with everything else we should be thinking about, it becomes just another chore on the New Year to-do list. But writing a Will is fundamental to the financial planning process. It answers one of our most basic desires – to make financial provision for all those that we hold dear.

We strive to provide stories that are informative and inspire you to look at your financial plans in a proactive way. To discuss any of the articles featured in this issue, please contact Helen Howcroft on 020 7713 9356.