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Personal Finance

My PFS Technical news - 16/03/2018 »
News update on taxation & trusts, pensions and investment planning, for the period 1 - 14 March 2018.
Settlors and problems with mental capacity II »
Last month we looked at the application of some general principles for establishing mental capacity and how the loss of capacity impacts decision making, in particular in the context of will making and deciding to marry. We also looked at some recent guidance as to when attorneys can make gifts as part of IHT planning on behalf of the donor who has lost capacity. This month we look more specifically at capacity issues in the context of trusts. This could relate to the capacity of the settlor as well as the capacity of a trustee.
What should the last month have taught investors? »
Someone once told me that on average, we won’t remember 10% of what we read, 20% of what we see and 30% of what we hear. There is no way that’s true. I think we forget a lot more than that. Why else do I have to pause Game of Thrones every three minutes to google who a character is? And I’m paying attention in Game of Thrones! Memory gets even more challenging depending on where we were when we were trying to retain the information, what else was going on (in the room and in our lives) and how long ago it was.
Spring statement 2018 »
Contents Introduction » Economic update » Consultations and other papers  » 2018/19 changes already announced » 2018/19 tax data »
My PFS Technical news - 06/03/2018 »
Personal Finance Society news update 15 - 28 February 2018. Essential updates on taxation & trusts, investments and pensions.
IHT business relief – the impact of cash held in a business »
In this article we consider the basic conditions which need to be satisfied for business relief to apply and how excess cash held in a business could affect the position.
CII urges publication of Brexit financial services position paper »
As the Prime Minister is set to announce more detail on the Government’s Brexit negotiating stance in the final ‘Road to Brexit’ ministerial speech, the Chartered Insurance Institute urges the Government to publish the long-awaited Brexit position paper on financial services.
Member economic outlook and Brexit survey results »
Economic and employment prospects for 2018. Results from the annual Chartered Insurance Institute member economic and Brexit temperature. 
Mortgage market review - February 2018 »
Mortgage market update for February, including; news, regulation and legislation, product development and innovation, consumer trends and experts corner.
Protection market review - February 2018 »
Protection market update, including; news, regulation & legislation, product development & innovation, consumer trends and experts corner.
Settlors and problems with mental capacity »
The issues surrounding mental capacity are ever more topical which is not really surprising given the increasingly aging population. Financial planning advisers will come across this issue when dealing with trusts or estate planning generally, especially when considering making gifts, but also when advising on wills or even making investments.  
Shifting sands »
We suspected that a rise in market volatility was likely in 2018 – but of course, no-one knew how or when it would play out. That risk seemed very far from investors’ collective consciousness as global stockmarkets roared higher through January in one of the best starts to the year seen in the last three decades – not since 1994 has the MSCI World enjoyed a stronger return for the first month of the year. We found ourselves reappraising (and, luckily, revalidating) our own somewhat cautious investment stance in the face of such strong market momentum.
My PFS Technical news - 14/02/2018 »
Personal Finance Society news update on taxation & trusts, investments and pensions for the period 1 - 14 February 2018.
Tax-Year-End planning for individuals 2018 »
In this article we briefly cover the main planning opportunities available to UK resident individuals for tax year 2017/18 and look at strategies which could be put in place to help minimise tax in 2018/19.
Pensions and divorce »
Pension simplification in 2006 and then pension freedoms in 2015 have changed the face of retirement so significantly that their impact on other areas such as divorce just can’t be ignored. We still technically have three options to deal with pensions in divorce settlements, offsetting, earmarking and pension sharing but are they all still viable in today’s pension landscape? All the options are impacted differently by the changes we have seen since A-day and may need reviewing if possible.

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