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Planning ahead for the new tax year
Planning ahead for the new tax year With the start of a new tax year approaching, now is the time to rethink the best way to tackle your tax planning and stress less this time next year. March can be a hectic month for business owners and the self-employed. With the tax year end creeping…
Working to 72? The retirement procrastination problem
Working to 72? The retirement procrastination problem Recent research on planned retirement ages has produced some unexpected and perhaps unrealistic results. The next increase in State Pension Age (SPA) to 67 will start to take effect in about two years’ time. Under current legislation the move to a SPA of 68 begins in April 2044,…
Digesting the Spring Budget 2024
Digesting the Spring Budget 2024 (Potentially) The biggest financial update before the election arrives - but what changes were announced and how will they affect your finances? There has been much speculation surrounding the Spring Budget, with many eagerly anticipating updates on pension reforms, tax cuts and allowances. Below we will break down the main topics in…
The future of the State pension
The future of the State pension Public opinion is pessimistic about the future of the State pension. Ask yourself these two questions: Do you believe that the State pension will be around in 30 years’ time? Do you think that the State pension will keep pace with prices over the next ten years? If you…
HMRC, eBay and second-hand news
HMRC, eBay and second-hand news The media storm surrounding HMRC taxing eBay and other online sellers from the start of 2024 was, in fact, itself counterfeit goods. A crop of stories across social and traditional media swirled across the start of the new year about HMRC cracking down on ‘side hustle’ tax from 1 January,…
On your marks – an early Spring Budget for 2024
On your marks – an early Spring Budget for 2024 A date to note in this year’s calendar is the early Spring Budget on Wednesday 6 March. The Treasury issued a press release in the time between Christmas and the New Year revealing the Spring Budget date, a week earlier than in 2023. The unusual…
Time for tax year-end planning
Time for tax year-end planning With spring around the corner it is time to turn your thoughts to planning for the tax year end. While many parts of the tax landscape have been frozen, such as the personal allowance and most income tax thresholds, that does not mean you should ignore tax year-end planning as…
Lessons from the FTSE at 40
Lessons from the FTSE at 40 As the FTSE 100 turned 40 on 3 January 2024, we look at how it compared to its predecessor and the lessons learned from four decades of growth versus inflation. Source: Google Finance The Financial Times Stock Exchange (FTSE) 100 Index has celebrated its 40th anniversary. It is a…
A revamp for individual savings accounts (ISA)
A revamp for individual savings accounts From 6 April 2024, individual savings account (ISA) rules will be changing, mostly for the better. In April, ISAs will celebrate their 25th birthday. However, the ISA was hardly a new-born back in 1999, as it was effectively a reworking of two previous tax-favoured savings plans – the personal…
The regulator attacks greenwashing
The regulator attacks greenwashing The Financial Conduct Authority (FCA) has announced new rules to ensure a green label on a fund is more than just marketing puff. It was perhaps no coincidence that the FCA published a new set of rules on sustainable funds just as COP28, the UN global conference on climate change, got…