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NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. THE MONEY PURCHASE ANNUAL ALLOWANCE The money purchase annual allowance is a reduction on a pension member’s annual allowance down to £4,000 per annum, should they access their pension benefits flexibly. It was introduced in 2014 under the Taxation and Pension Act 2014 along with the other pension freedoms introduced in April 2015. The allowance was £10,000 perannum from
MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
BRISTOL FINANCIAL ADVISERS AND INVESTMENT MANAGERS Preserve and grow your wealth in Bristol. Located in the heart of the city, our team at Tilney in Bristol provides expert financial advice. By using our investment management, investment advisory or financial planning services, our highly qualified experts can provide you with a bespoke plan or portfolio that is developed to help you achieve yourpersonal goals.
THE NIL RATE BAND EXPLAINED Financial planning - 4 minute read The nil rate band explained. The nil rate band is the threshold above which Inheritance Tax is payable. In this article we look at it in more detail – read on to find out how much it is, what it applies to and how it works alongside the newer residence nil rate band. AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should not THE PENSION ANNUAL ALLOWANCE The annual allowance is the maximum amount of pension savings you can have each tax year that benefit from tax relief. You are subject to a tax charge (the annual allowance charge) if your pension savings exceed your available annual allowance for a tax year. The standard annual pension allowance is currently £40,000. SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. THE MONEY PURCHASE ANNUAL ALLOWANCE The money purchase annual allowance is a reduction on a pension member’s annual allowance down to £4,000 per annum, should they access their pension benefits flexibly. It was introduced in 2014 under the Taxation and Pension Act 2014 along with the other pension freedoms introduced in April 2015. The allowance was £10,000 perannum from
MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
BRISTOL FINANCIAL ADVISERS AND INVESTMENT MANAGERS Preserve and grow your wealth in Bristol. Located in the heart of the city, our team at Tilney in Bristol provides expert financial advice. By using our investment management, investment advisory or financial planning services, our highly qualified experts can provide you with a bespoke plan or portfolio that is developed to help you achieve yourpersonal goals.
THE NIL RATE BAND EXPLAINED Financial planning - 4 minute read The nil rate band explained. The nil rate band is the threshold above which Inheritance Tax is payable. In this article we look at it in more detail – read on to find out how much it is, what it applies to and how it works alongside the newer residence nil rate band. BUDGET 2021: HIGHLIGHTS AND KEY CHANGES Budget 2021: highlights and key changes. The Chancellor opted to rely on fiscal drag to increase revenue, freezing rates either at current levels (Capital Gains Tax exemption, pension lifetime allowance, Inheritance Tax Nil Rate Bands, ISA and Junior ISA allowances) or after a single further inflationary increase from April 2021 asplanned.
FREQUENTLY ASKED QUESTIONS ABOUT PENSIONS Financial planning - 12 minute read Frequently asked questions about pensions. Pensions come with a whole host of rules, allowances and jargon, which can result in a number of queries when looking at your own retirement planning. INVESTMENT OUTLOOK JUNE 2021: A GLOBAL MARKET ROUNDUP Investment Outlook Threats to the liquidity punchbowl, is the party over? Or will equities absorb the effects? This monthly commentary gives a roundup of global markets and trends. NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
MONEY, SHE TALKED
Podcasts - 17 minute listen Money, She Talked – a conversation on insurance cover; are you covered? In this month’s Money, She Talked episode we are joined by an expert financial planner and one of her clients in conversation about why serious illness insurance is crucialat any life stage.
MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceTax bill
TAPERED PENSION ANNUAL ALLOWANCE: WHAT CHANGED AFTER 2020 The Chancellor also lowered the minimum reduced annual allowance that you can have under the tapering rules from £10,000 to £4,000. This operates on a sliding scale once your adjusted income reaches £300,000. If you have an adjusted income of ASK OUR EXPERTS: SHOULD I OVERPAY ON MY MORTGAGE OR ADD Get in touch. If you would like one of your questions answered by our experts and featured on our website, please submit them below. Alternatively, if you would like to speak to one of our team in person, you can book an initial consultation, request a call back or call us on 020 7189 2400. Survey. WHAT ARE THE PROS AND CONS OF GIVING MONEY TO MY ADULT Ask our experts - 4 minute read What are the pros and cons of giving money to my adult children now versus leaving an inheritance after I die? Does the idea of helping your children both now and in the futuresound appealing?
AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notOUR FUNDS - TILNEY
An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. Our Tilney Active Portfolios are available from a minimum investment of £1,000. Diversified, multi-asset fund. Each portfolio invests across six asset classes. No VAT. Can be held across all taxwrappers.
BUDGET 2021: HIGHLIGHTS AND KEY CHANGES SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
PENSION LIFETIME ALLOWANCE Pension Lifetime Allowance. Changes to pension rules in recent years mean now could be a good time to revisit your retirement saving plan. One important change which has been overlooked by many savers is the reduction of the pension lifetime allowance from £1.25 million to £1 million and its subsequent increase to £1.0731 million. NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. SEI REGISTERED DETAILS SEI Investments (Europe) Ltd 4th Floor, Time & Life Building, 1 Bruton St, London, W1J6TL Registered in England No. 3765319 ISAS – BIGGER AND BETTER THAN EVER One of the highlights of the 2017/18 tax year was the increase to the annual ISA limit. While pension allowances have been significantly reduced in recent years, the annual ISA allowance has gradually increased from £7,000 in 1999 to £20,000 – that’s £40,000 percouple.
AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notOUR FUNDS - TILNEY
An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. Our Tilney Active Portfolios are available from a minimum investment of £1,000. Diversified, multi-asset fund. Each portfolio invests across six asset classes. No VAT. Can be held across all taxwrappers.
BUDGET 2021: HIGHLIGHTS AND KEY CHANGES SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
PENSION LIFETIME ALLOWANCE Pension Lifetime Allowance. Changes to pension rules in recent years mean now could be a good time to revisit your retirement saving plan. One important change which has been overlooked by many savers is the reduction of the pension lifetime allowance from £1.25 million to £1 million and its subsequent increase to £1.0731 million. NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. SEI REGISTERED DETAILS SEI Investments (Europe) Ltd 4th Floor, Time & Life Building, 1 Bruton St, London, W1J6TL Registered in England No. 3765319 ISAS – BIGGER AND BETTER THAN EVER One of the highlights of the 2017/18 tax year was the increase to the annual ISA limit. While pension allowances have been significantly reduced in recent years, the annual ISA allowance has gradually increased from £7,000 in 1999 to £20,000 – that’s £40,000 percouple.
NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
INVESTMENT OUTLOOK JUNE 2021: A GLOBAL MARKET ROUNDUP Investment Outlook Threats to the liquidity punchbowl, is the party over? Or will equities absorb the effects? This monthly commentary gives a roundup of global markets and trends. THE PENSION ANNUAL ALLOWANCE The annual allowance is the maximum amount of pension savings you can have each tax year that benefit from tax relief. You are subject to a tax charge (the annual allowance charge) if your pension savings exceed your available annual allowance for a tax year. The standard annual pension allowance is currently £40,000.MONEY, SHE TALKED
Podcasts - 17 minute listen Money, She Talked – a conversation on insurance cover; are you covered? In this month’s Money, She Talked episode we are joined by an expert financial planner and one of her clients in conversation about why serious illness insurance is crucialat any life stage.
PENSION LIFETIME ALLOWANCE Pension Lifetime Allowance. Changes to pension rules in recent years mean now could be a good time to revisit your retirement saving plan. One important change which has been overlooked by many savers is the reduction of the pension lifetime allowance from £1.25 million to £1 million and its subsequent increase to £1.0731 million. KEEPING IT IN THE FAMILY CB: Inheritance Tax is usually charged at 40% of any assets in your estate above your personal allowance, which is currently £325,000 per person. There is also an additional £150,000 allowance for passing on the main family home to your direct descendants. Inter-generational planning isn’t all about saving tax – it’s important to keep FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceTax bill
ASK OUR EXPERTS: SHOULD I OVERPAY ON MY MORTGAGE OR ADD Get in touch. If you would like one of your questions answered by our experts and featured on our website, please submit them below. Alternatively, if you would like to speak to one of our team in person, you can book an initial consultation, request a call back or call us on 020 7189 2400. Survey. WHAT ARE THE PROS AND CONS OF GIVING MONEY TO MY ADULT Ask our experts - 4 minute read What are the pros and cons of giving money to my adult children now versus leaving an inheritance after I die? Does the idea of helping your children both now and in the futuresound appealing?
INVESTING TRUST MONEY Many people will at some point be involved with creating or administering a trust. Some people are trustees and don’t even realise it. For example, if you were the executor of your mother’s or father’s estate, and they left money to all of their grandchildren who survive them and reach age 25, if any child is under that age, you are in fact the trustee of a trust. AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notOUR FUNDS - TILNEY
An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. Our Tilney Active Portfolios are available from a minimum investment of £1,000. Diversified, multi-asset fund. Each portfolio invests across six asset classes. No VAT. Can be held across all taxwrappers.
BUDGET 2021: HIGHLIGHTS AND KEY CHANGES SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notOUR FUNDS - TILNEY
An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. Our Tilney Active Portfolios are available from a minimum investment of £1,000. Diversified, multi-asset fund. Each portfolio invests across six asset classes. No VAT. Can be held across all taxwrappers.
BUDGET 2021: HIGHLIGHTS AND KEY CHANGES SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
OUR FUNDS - TILNEY
An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. Our Tilney Active Portfolios are available from a minimum investment of £1,000. Diversified, multi-asset fund. Each portfolio invests across six asset classes. No VAT. Can be held across all taxwrappers.
NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
INVESTMENT OUTLOOK JUNE 2021: A GLOBAL MARKET ROUNDUP Investment Outlook Threats to the liquidity punchbowl, is the party over? Or will equities absorb the effects? This monthly commentary gives a roundup of global markets and trends. THE PENSION ANNUAL ALLOWANCE The annual allowance is the maximum amount of pension savings you can have each tax year that benefit from tax relief. You are subject to a tax charge (the annual allowance charge) if your pension savings exceed your available annual allowance for a tax year. The standard annual pension allowance is currently £40,000.MONEY, SHE TALKED
Podcasts - 17 minute listen Money, She Talked – a conversation on insurance cover; are you covered? In this month’s Money, She Talked episode we are joined by an expert financial planner and one of her clients in conversation about why serious illness insurance is crucialat any life stage.
KEEPING IT IN THE FAMILY CB: Inheritance Tax is usually charged at 40% of any assets in your estate above your personal allowance, which is currently £325,000 per person. There is also an additional £150,000 allowance for passing on the main family home to your direct descendants. Inter-generational planning isn’t all about saving tax – it’s important to keep FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceTax bill
ASK OUR EXPERTS: SHOULD I OVERPAY ON MY MORTGAGE OR ADD Get in touch. If you would like one of your questions answered by our experts and featured on our website, please submit them below. Alternatively, if you would like to speak to one of our team in person, you can book an initial consultation, request a call back or call us on 020 7189 2400. Survey. WHAT ARE THE PROS AND CONS OF GIVING MONEY TO MY ADULT Ask our experts - 4 minute read What are the pros and cons of giving money to my adult children now versus leaving an inheritance after I die? Does the idea of helping your children both now and in the futuresound appealing?
INVESTING TRUST MONEY Many people will at some point be involved with creating or administering a trust. Some people are trustees and don’t even realise it. For example, if you were the executor of your mother’s or father’s estate, and they left money to all of their grandchildren who survive them and reach age 25, if any child is under that age, you are in fact the trustee of a trust. AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should not FREQUENTLY ASKED QUESTIONS ABOUT PENSIONS Financial planning - 12 minute read Frequently asked questions about pensions. Pensions come with a whole host of rules, allowances and jargon, which can result in a number of queries when looking at your own retirement planning. THE PENSION ANNUAL ALLOWANCE The annual allowance is the maximum amount of pension savings you can have each tax year that benefit from tax relief. You are subject to a tax charge (the annual allowance charge) if your pension savings exceed your available annual allowance for a tax year. The standard annual pension allowance is currently £40,000. SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. ASK OUR EXPERTS: SHOULD I OVERPAY ON MY MORTGAGE OR ADD Get in touch. If you would like one of your questions answered by our experts and featured on our website, please submit them below. Alternatively, if you would like to speak to one of our team in person, you can book an initial consultation, request a call back or call us on 020 7189 2400. Survey. THE NIL RATE BAND EXPLAINED Financial planning - 4 minute read The nil rate band explained. The nil rate band is the threshold above which Inheritance Tax is payable. In this article we look at it in more detail – read on to find out how much it is, what it applies to and how it works alongside the newer residence nil rate band. HOW DO I MAKE REGULAR FINANCIAL GIFTS FROM SURPLUS INCOME? Once you have established that making a regular financial gift from your surplus income will not have an impact on your lifestyle, the simplest way to make these gifts is by setting up a regular standing order directly into the recipient’s bank account. Alternatively, you might want to set up some sort of policy for the recipient, such as a AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should not FREQUENTLY ASKED QUESTIONS ABOUT PENSIONS Financial planning - 12 minute read Frequently asked questions about pensions. Pensions come with a whole host of rules, allowances and jargon, which can result in a number of queries when looking at your own retirement planning. THE PENSION ANNUAL ALLOWANCE The annual allowance is the maximum amount of pension savings you can have each tax year that benefit from tax relief. You are subject to a tax charge (the annual allowance charge) if your pension savings exceed your available annual allowance for a tax year. The standard annual pension allowance is currently £40,000. SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. ASK OUR EXPERTS: SHOULD I OVERPAY ON MY MORTGAGE OR ADD Get in touch. If you would like one of your questions answered by our experts and featured on our website, please submit them below. Alternatively, if you would like to speak to one of our team in person, you can book an initial consultation, request a call back or call us on 020 7189 2400. Survey. THE NIL RATE BAND EXPLAINED Financial planning - 4 minute read The nil rate band explained. The nil rate band is the threshold above which Inheritance Tax is payable. In this article we look at it in more detail – read on to find out how much it is, what it applies to and how it works alongside the newer residence nil rate band. HOW DO I MAKE REGULAR FINANCIAL GIFTS FROM SURPLUS INCOME? Once you have established that making a regular financial gift from your surplus income will not have an impact on your lifestyle, the simplest way to make these gifts is by setting up a regular standing order directly into the recipient’s bank account. Alternatively, you might want to set up some sort of policy for the recipient, such as a THE TILNEY INVESTMENT PODCAST Podcasts - 29 minute listen The Tilney Investment Podcast – could increasing prices persist as businesses catch up? James von Simson, an investment director within London’s Tilney office, and Ben Seager-Scott, Tilney’s Head of Multi-asset Funds, discuss growth,the
OUR FUNDS - TILNEY
An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. Our Tilney Active Portfolios are available from a minimum investment of £1,000. Diversified, multi-asset fund. Each portfolio invests across six asset classes. No VAT. Can be held across all taxwrappers.
BUDGET 2021: HIGHLIGHTS AND KEY CHANGES Budget 2021: highlights and key changes. The Chancellor opted to rely on fiscal drag to increase revenue, freezing rates either at current levels (Capital Gains Tax exemption, pension lifetime allowance, Inheritance Tax Nil Rate Bands, ISA and Junior ISA allowances) or after a single further inflationary increase from April 2021 asplanned.
INVESTMENT OUTLOOK JUNE 2021: A GLOBAL MARKET ROUNDUP Investment Outlook Threats to the liquidity punchbowl, is the party over? Or will equities absorb the effects? This monthly commentary gives a roundup of global markets and trends. NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
MONEY, SHE TALKED
Podcasts - 17 minute listen Money, She Talked – a conversation on insurance cover; are you covered? In this month’s Money, She Talked episode we are joined by an expert financial planner and one of her clients in conversation about why serious illness insurance is crucialat any life stage.
MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified THE MONEY PURCHASE ANNUAL ALLOWANCE The money purchase annual allowance is a reduction on a pension member’s annual allowance down to £4,000 per annum, should they access their pension benefits flexibly. It was introduced in 2014 under the Taxation and Pension Act 2014 along with the other pension freedoms introduced in April 2015. The allowance was £10,000 perannum from
ESTATE PLANNING, INHERITANCE TAX ADVICE & ASSET PROTECTION Inheritance Tax (IHT) is a tax charge (usually 40%) on any part of your estate that exceeds your personal allowance (also called the nil rate band). This is currently £325,000 per person. Your estate is a combination of your: Find out more in our Inheritance Tax guide. 2. THE NIL RATE BAND EXPLAINED Financial planning - 4 minute read The nil rate band explained. The nil rate band is the threshold above which Inheritance Tax is payable. In this article we look at it in more detail – read on to find out how much it is, what it applies to and how it works alongside the newer residence nil rate band. AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should not TILNEY - ENTERDETAILS The value of your investment can go down as well as up, you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Bestinvest, upon request and on a fee basis. BeforeOUR FUNDS - TILNEY
Tilney Active Portfolios. An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. TAPERED PENSION ANNUAL ALLOWANCE: WHAT CHANGED AFTER 2020 The Chancellor also lowered the minimum reduced annual allowance that you can have under the tapering rules from £10,000 to £4,000. This operates on a sliding scale once your adjusted income reaches £300,000. If you have an adjusted income of SEI REGISTERED DETAILS SEI Investments (Europe) Ltd 4th Floor, Time & Life Building, 1 Bruton St, London, W1J6TL Registered in England No. 3765319 PENSION LIFETIME ALLOWANCE Pension Lifetime Allowance. Changes to pension rules in recent years mean now could be a good time to revisit your retirement saving plan. One important change which has been overlooked by many savers is the reduction of the pension lifetime allowance from £1.25 million to £1 million and its subsequent increase to £1.0731 million. ISAS – BIGGER AND BETTER THAN EVER One of the highlights of the 2017/18 tax year was the increase to the annual ISA limit. While pension allowances have been significantly reduced in recent years, the annual ISA allowance has gradually increased from £7,000 in 1999 to £20,000 – that’s £40,000 percouple.
AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should not TILNEY - ENTERDETAILS The value of your investment can go down as well as up, you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Bestinvest, upon request and on a fee basis. BeforeOUR FUNDS - TILNEY
Tilney Active Portfolios. An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office. SHOULD YOU PAY INTO A PENSION OR AN ISA? Well, there certainly is an argument for using existing savings, ISAs or unit trusts to fund pension contributions. Remember, you can contribute up to 100% of earnings or £3,600 gross per annum, whichever is higher, subject to a maximum of £40,000 in a year. Savings will immediately benefit from the 25% uplift and invariablyyou can access
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. TAPERED PENSION ANNUAL ALLOWANCE: WHAT CHANGED AFTER 2020 The Chancellor also lowered the minimum reduced annual allowance that you can have under the tapering rules from £10,000 to £4,000. This operates on a sliding scale once your adjusted income reaches £300,000. If you have an adjusted income of SEI REGISTERED DETAILS SEI Investments (Europe) Ltd 4th Floor, Time & Life Building, 1 Bruton St, London, W1J6TL Registered in England No. 3765319 PENSION LIFETIME ALLOWANCE Pension Lifetime Allowance. Changes to pension rules in recent years mean now could be a good time to revisit your retirement saving plan. One important change which has been overlooked by many savers is the reduction of the pension lifetime allowance from £1.25 million to £1 million and its subsequent increase to £1.0731 million. ISAS – BIGGER AND BETTER THAN EVER One of the highlights of the 2017/18 tax year was the increase to the annual ISA limit. While pension allowances have been significantly reduced in recent years, the annual ISA allowance has gradually increased from £7,000 in 1999 to £20,000 – that’s £40,000 percouple.
FREQUENTLY ASKED QUESTIONS ABOUT PENSIONS Financial planning - 12 minute read Frequently asked questions about pensions. Pensions come with a whole host of rules, allowances and jargon, which can result in a number of queries when looking at your own retirement planning. NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
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Time to talk – Advisor videos. 020 3131 6167. Contact us. Log in. Log in. Contact us. How we can help. Investments. Investments.MONEY, SHE TALKED
Podcasts - 17 minute listen Money, She Talked – a conversation on insurance cover; are you covered? In this month’s Money, She Talked episode we are joined by an expert financial planner and one of her clients in conversation about why serious illness insurance is crucialat any life stage.
OUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
PENSION LIFETIME ALLOWANCE Pension Lifetime Allowance. Changes to pension rules in recent years mean now could be a good time to revisit your retirement saving plan. One important change which has been overlooked by many savers is the reduction of the pension lifetime allowance from £1.25 million to £1 million and its subsequent increase to £1.0731 million. THE PROS AND CONS OF TRUSTS If you have any other questions, you can call us on 020 7189 2400 or email contact@tilney.co.uk. If you want to get in touch about the virtual event, or want to suggest new topics, email tilney.events@tilney.co.uk. We would like to contact you about investment guides and news, events, and other ways we can help you. MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified THE MONEY PURCHASE ANNUAL ALLOWANCE The money purchase annual allowance is a reduction on a pension member’s annual allowance down to £4,000 per annum, should they access their pension benefits flexibly. It was introduced in 2014 under the Taxation and Pension Act 2014 along with the other pension freedoms introduced in April 2015. The allowance was £10,000 perannum from
AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notENTERDETAILS
The value of your investment can go down as well as up, you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Bestinvest, upon request and on a fee basis. BeforeOUR FUNDS - TILNEY
Tilney Active Portfolios. An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office.TIME TO TALK
Time to talk – Advisor videos. 020 3131 6167. Contact us. Log in. Log in. Contact us. How we can help. Investments. Investments. FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceOUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. SPOTLIGHT ON ANN-MARIE ATKINS Spotlight on Ann-Marie Atkins. The annual Women in Financial Advice Awards aim to recognise the talents and achievements of some of the top-performing females in the financial services industry. Published on 10 October 2018. Ann-Marie Atkins, Managing Partner, Financial Planning, has won the Financial Adviser of the Year - North of England AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notENTERDETAILS
The value of your investment can go down as well as up, you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Bestinvest, upon request and on a fee basis. BeforeOUR FUNDS - TILNEY
Tilney Active Portfolios. An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office.TIME TO TALK
Time to talk – Advisor videos. 020 3131 6167. Contact us. Log in. Log in. Contact us. How we can help. Investments. Investments. FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceOUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. SPOTLIGHT ON ANN-MARIE ATKINS Spotlight on Ann-Marie Atkins. The annual Women in Financial Advice Awards aim to recognise the talents and achievements of some of the top-performing females in the financial services industry. Published on 10 October 2018. Ann-Marie Atkins, Managing Partner, Financial Planning, has won the Financial Adviser of the Year - North of England THE TILNEY INVESTMENT PODCAST Podcasts - 29 minute listen The Tilney Investment Podcast – could increasing prices persist as businesses catch up? James von Simson, an investment director within London’s Tilney office, and Ben Seager-Scott, Tilney’s Head of Multi-asset Funds, discuss growth,the
FREQUENTLY ASKED QUESTIONS ABOUT PENSIONS Financial planning - 12 minute read Frequently asked questions about pensions. Pensions come with a whole host of rules, allowances and jargon, which can result in a number of queries when looking at your own retirement planning.OUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
RETIREMENT FINANCIAL PLANNING, WEALTH MANAGEMENT The lifetime allowance is the amount you can hold in your pension over your lifetime. The allowance is currently at £1.0731 million. Your pension is assessed against the allowance when you take benefits, die or reach age 75. Any excess is taxed at 25% on top of Income Tax TILNEY FOR PROFESSIONALS Tilney is a leading private client investment company that was founded more than 180 years ago and is now trusted to look after more than £24 billion of assets for clients around the world. Scroll to content. Your clients' personal wealth is our personal responsibility. HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
SAVING FOR CHILDREN, TRUST FUNDS, FINANCIAL PLANNING ADVICE A Junior ISA is tax-free savings and investment account for children. Junior ISAs have the same tax benefits as adult ISAs – money grows free from Income Tax and Capital Gains Tax. The Junior ISA allowance is currently £9,000. Anyone can contribute to a Junior ISA but only a MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified KEEPING IT IN THE FAMILY CB: Inheritance Tax is usually charged at 40% of any assets in your estate above your personal allowance, which is currently £325,000 per person. There is also an additional £150,000 allowance for passing on the main family home to your direct descendants. Inter-generational planning isn’t all about saving tax – it’s important to keep AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notENTERDETAILS
The value of your investment can go down as well as up, you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Bestinvest, upon request and on a fee basis. BeforeOUR FUNDS - TILNEY
Tilney Active Portfolios. An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office.TIME TO TALK
Time to talk – Advisor videos. 020 3131 6167. Contact us. Log in. Log in. Contact us. How we can help. Investments. Investments. FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceOUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. SPOTLIGHT ON ANN-MARIE ATKINS Spotlight on Ann-Marie Atkins. The annual Women in Financial Advice Awards aim to recognise the talents and achievements of some of the top-performing females in the financial services industry. Published on 10 October 2018. Ann-Marie Atkins, Managing Partner, Financial Planning, has won the Financial Adviser of the Year - North of England AWARD-WINNING FINANCIAL PLANNING, WEALTH & INVESTMENT SERVICESHOW WE CAN HELPINVESTMENTSFINANCIAL PLANNINGSPECIALIST ADVICEINSIGHTS Tilney is an award-winning provider of financial planning, investment management and advisory services to UK private clients and charities. LOG IN TO YOUR ACCOUNT The value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance or any yields quoted should notENTERDETAILS
The value of your investment can go down as well as up, you can get back less than you originally invested. Past performance or any yields quoted should not be considered reliable indicators of future returns. Restricted advice can be provided as part of other services offered by Tilney Bestinvest, upon request and on a fee basis. BeforeOUR FUNDS - TILNEY
Tilney Active Portfolios. An actively managed unitised solution comprising nine active model portfolios that follow the very best thinking of our investment office.TIME TO TALK
Time to talk – Advisor videos. 020 3131 6167. Contact us. Log in. Log in. Contact us. How we can help. Investments. Investments. FINANCIAL ADVICE & PLANNING FOR PROTECTION AGAINST DEATH The most common reasons for setting up financial protection are to: Maintain your lifestyle and make any debt repayments if you became unable to work due to an accident or illness. Provide for your family if you died or developed a serious illness. Cover a future InheritanceOUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
NHS PENSION SCHEME: WHAT THE MCCLOUD JUDGEMENT MEANS FOR NHS pension scheme: what the McCloud judgement means for members. The Government has agreed that all public sector pension schemes will need to be reformed to remove any form of age discrimination. The result is likely to provide more options for members at retirement, albeit with a large dose of uncertainty in the coming years. SPOTLIGHT ON ANN-MARIE ATKINS Spotlight on Ann-Marie Atkins. The annual Women in Financial Advice Awards aim to recognise the talents and achievements of some of the top-performing females in the financial services industry. Published on 10 October 2018. Ann-Marie Atkins, Managing Partner, Financial Planning, has won the Financial Adviser of the Year - North of England THE TILNEY INVESTMENT PODCAST Podcasts - 29 minute listen The Tilney Investment Podcast – could increasing prices persist as businesses catch up? James von Simson, an investment director within London’s Tilney office, and Ben Seager-Scott, Tilney’s Head of Multi-asset Funds, discuss growth,the
FREQUENTLY ASKED QUESTIONS ABOUT PENSIONS Financial planning - 12 minute read Frequently asked questions about pensions. Pensions come with a whole host of rules, allowances and jargon, which can result in a number of queries when looking at your own retirement planning.OUR FUNDS - TILNEY
Tilney Global Active Portfolios. Actively managed unitised funds, available in five different risk profiles and strategies Managed by the same team behind our Tilney Active Portfolios funds, they provide investors with easy access to a truly international investmentstrategy.
NEWS - INVESTMENT AND FINANCIAL PLANNING Tilney produces regular economic insights and news articles on investing, financial planning and the latest updates from the stockmarkets.
RETIREMENT FINANCIAL PLANNING, WEALTH MANAGEMENT The lifetime allowance is the amount you can hold in your pension over your lifetime. The allowance is currently at £1.0731 million. Your pension is assessed against the allowance when you take benefits, die or reach age 75. Any excess is taxed at 25% on top of Income Tax TILNEY FOR PROFESSIONALS Tilney is a leading private client investment company that was founded more than 180 years ago and is now trusted to look after more than £24 billion of assets for clients around the world. Scroll to content. Your clients' personal wealth is our personal responsibility. HOW TO AVOID BREACHING THE LIFETIME ALLOWANCE The pension lifetime allowance rose by £18,100 to £1.0731 million in April 2020. While this is good news, the fact remains that a growing number of people are breaching the allowance and facing a 55% tax charge on any withdrawals they make from pension savings above this amount. If the excess is taken as an income, the tax charge reduces to25%.
SAVING FOR CHILDREN, TRUST FUNDS, FINANCIAL PLANNING ADVICE A Junior ISA is tax-free savings and investment account for children. Junior ISAs have the same tax benefits as adult ISAs – money grows free from Income Tax and Capital Gains Tax. The Junior ISA allowance is currently £9,000. Anyone can contribute to a Junior ISA but only a MANAGED PORTFOLIO SERVICE What is the Managed Portfolio Service? A range of model portfolios that spans lower risk to full equity risk. Available from £50,000, our Managed Portfolio Service provides a lower access point to a discretionary investment management service. Diversified KEEPING IT IN THE FAMILY CB: Inheritance Tax is usually charged at 40% of any assets in your estate above your personal allowance, which is currently £325,000 per person. There is also an additional £150,000 allowance for passing on the main family home to your direct descendants. Inter-generational planning isn’t all about saving tax – it’s important to keep Our employees are able to work remotely so that they can follow social distancing rules while continuing to advise clients and manage portfolios. To help us during these unusual times, wherever possible please avoid sending post to our offices – instead, please use email or phone, or secure messaging available via My Tilney.* 020 3131 6180
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THE TILNEY INVESTMENT PODCAST – COVID-19 VACCINES: WHAT THEY MEANFOR MARKETS
Our experts’ thoughts on the latest financial eventsListen now
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