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Kirk Rice Blog

Posts by: Peter Sharratt

  • BREXIT: The Impact On The UK And The EUWritten on June 15, 2016 by Peter Sharratt

    It was published June 2015 but is still very relevant today and it considers the impact of a Leave Vote on the UK but also the impact to the rest of the EU.  One piece of information that I found particularly interesting (page 12) is that ‘half of all European headquarters of non-EU Firms are […]

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  • Different Valuations?Written on June 8, 2016 by Peter Sharratt

    It would appear that your Investment Bond is invested in a With Profits Fund as this type of fund can pay a terminal or final Bonus upon surrender which increases the value. With Profits Funds are also available via pensions and so you can see a similar situation for a pension where the transfer or […]

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  • Alternative Ways To Invest In Bricks And MortarWritten on June 2, 2016 by Peter Sharratt

    Shares in Property Real Estate Investment Trusts (REITs) are listed property companies that invest in and manage property investments on behalf of shareholders. REITs can be very tax efficient as the property company pays no corporation or capital gains tax on the profits from property investment. A number of UK authorised unit trusts and Open-Ended […]

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  • Capital Gains Tax PlanningWritten on May 25, 2016 by Peter Sharratt

    Hopefully the following example will help.  I am going to ignore charges and attitude to risk which in reality are important, but they only serve to complicate the explanation. Everyone has an Annual Capital Gains Tax (CGT) Allowance and this is currently £11,100. For my example, let’s assume someone (our investor) has £100,000 to invest […]

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  • Getting To Grips With The New State PensionWritten on May 17, 2016 by Peter Sharratt

    So, the state retirement age has been raised and it will continue to rise in the years to come. By 2020, both men and women will be entitled to receive their state pension at age 66. This increases to 67 between 2026 and 2028; from then on, it will be reviewed every five years and […]

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  • Life AssuranceWritten on May 12, 2016 by Peter Sharratt

    I do not know enough about you to determine which policy would be right for you, I can however summarise your options. Broadly, there are two types of Life Assurance Policy to consider. The first is a Whole of Life Policy which has no set expiry date (hence the title). This type of policy will usually have the […]

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  • Principles For Long Term Investing – UKWritten on May 5, 2016 by Peter Sharratt

    This makes an interesting and user friendly read. Click here to view JP Morgan’s six time-tested strategies for guiding portfolios through todays challenging markets and toward’s tomorrows goals. If you would like to discuss this further do please call Peter Sharratt on 01344 875000 or email peter.sharratt@kirkrice.co.uk

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  • Investing With GuaranteesWritten on April 27, 2016 by Peter Sharratt

    Apart from my Pension I have never invested money before and with Interest Rates still remaining low I am beginning to realise that if I want to improve the return I need to consider investments. I am reasonably cautious and would prefer something that at least Guarantees my capital. Is this possible?

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  • Challenges Facing Multigenerational FamiliesWritten on April 21, 2016 by Peter Sharratt

    Their research shows a marked increase in the number of people receiving inheritances and gifts, with housing assets making up an increasing proportion of inheritances handed down. Some 60% of adults agree with the statement that, “It is better to give children money when they need it than to save it to leave as an […]

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  • Off Shore Investment BondWritten on April 14, 2016 by Peter Sharratt

    I can certainly explain the process which hopefully will assist you.  Whilst invested, an Off Shore Bond will benefit from Tax Free growth, but upon surrender any gain/profit will be taxable.  The gain (called a chargeable gain) is subject to Income Tax, NOT Capital Gains Tax (CGT) and so your CGT Allowance is of no […]

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