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Learning Index

Pension scheme newsletter 105

11 December 2018
The newsletter in November 2018 raised an important issue that may be simple for those that work in the pensions profession by is complex and confusing for consumers. More worryingly it appears that there are i ...

Premium limitation on qualifying life policies and restricted relief qualifying policies – part 3

11 December 2018
In the first article in this series we explained that, in broad terms, the main changes to the extent in which a person could benefit from p ...

Staying relaxed about stock markets

27 November 2018
Markets are volatile. They move up and down. Always have; always will. Whenever markets fall, commentators concoct stories to explain exactl ...

Asset protection and probate trusts

27 November 2018
The recently announced increases in the probate fees have, not unexpectedly, resulted in the increase in the number of articles proclaiming ...

Guaranteed minimum pensions (GMP) issues again

09 November 2018
Guaranteed minimum pensions accrued between 6 April 1978 and 5 April 1997 but the way in which the benefits were structured, accrued and pai ...

Emerging markets - a problem of definition »
As we near another budget there is always speculation about what will happen. 
Premium limitation on qualifying life policies and restricted relief qualifying policies - part 2 »
This series of articles has been prompted by an increase in the number of questions we have recently received relating to the £3,600 annual premium limit imposed on certain qualifying life assurance policies from 6 April 2013.  
Common problems with trust forms and how to avoid them »
Over the last three months we have been looking at the reasons why the use of trusts, especially with protection policies, is not as popular as it should be.
Ensuring trusts and other documents are legally valid »
Over the last two months we have been considering the question of whether there are simpler alternatives to using a trust. We addressed the possibility of using statutory trusts and designations and outlined the possibility of using contract law instead of a trust. We also looked at whether there is a possibility of setting up trusts electronically and, if so, would this make it easier and more acceptable to use trusts, especially with life assurance policies.
Emerging markets - a problem of definition »
The financial services industry has whole-heartedly embraced grouping things to make them easier to think about and, as long as there are sufficient commonalities, the use of categories should help investors. But that’s not necessarily always the case…
The autumn 2018 budget the main changes »
In this article we focus on changes and consultations announced in the Autumn 2018 Budget speech and supporting papers of relevance to financial advisers.
Too much or too little income »
Maximising pension contributions is something of a balancing act and for those with fluctuating income it can be a virtually impossible to utilise their whole allowances without wasting tax relief or getting an annual allowance charge.
Premium limitation on qualifying life policies and restricted relief qualifying policies - part 1 »
We briefly examine the qualifying policy rules and the benefits of qualification.
Making hay while the sun shines »
On 23 August, the main US equity market - the S&P 500 – entered its longest bull market ever. And the way that global investors are talking about that run should feel pretty familiar to the population of the UK on the back of one of the best summers in living memory. 
Protection trusts - do we need them? »
This month we will look in more detail at the possibility of avoiding trusts using third party contracts and also at the question of whether online trust creation may provide an answer. Interestingly, on 21 August the English Law Commission issued a Consultation Document on the electronic execution of documents, more on this later.
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