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Kirk Rice Blog

Posts by: Peter Sharratt

  • Same Fund But Different Options?Written on July 2, 2015 by Peter Sharratt

    Which one you choose will require detailed advice to be provided and I do not know enough about you to do so.  I can however, at least explain what the options mean. At retirement you now broadly have 3 ways in which you can take your pension which link to the 3 options you have […]

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  • Overlooking Life Assurance?Written on June 24, 2015 by Peter Sharratt

      When it comes to our families, we’re always planning ahead, but one thing it seems we’re guilty of overlooking is planning for the worst-case scenario. A recent survey commissioned by the AA shows that 60% of all adults have no life cover, so are potentially leaving their families with little or no financial provision […]

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  • Easier to Manage ISA’sWritten on June 18, 2015 by Peter Sharratt

    Rather than encash and reinvest elsewhere, you could consolidate your existing ISA’s into 1 new ISA via an ISA Transfer or possibly via a re-registration process. An ISA transfer involves selecting a new ISA provider and transferring your existing ISA’s to them. The transfer is actioned by the new provider and it keeps the money […]

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  • Guaranteed Minimum PensionWritten on June 4, 2015 by Peter Sharratt

    The Buyout Bond (also known as a S32) would have been set up via a Transfer from a Company Pension Scheme, which was Contracted Out of SERPS (now State 2nd Pension or S2P).  Being Contracted Out meant that you would no longer accrue a SERPS Pension it would instead be paid by the Company Pension […]

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  • Auto RebalancingWritten on May 27, 2015 by Peter Sharratt

    When the investment was set up it will have been allocated to one or more investment funds.  Please note; if you invest in one fund, auto rebalancing is not relevant.  The recommended funds would have been selected to give a portfolio that matches your attitude to risk.  Over time each fund will perform differently leading […]

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  • Final Salary PensionWritten on May 21, 2015 by Peter Sharratt

    Your pension entitlement would have been calculated when you left your previous employer. This would be based on your length of service (date of joining to date of leaving), your final salary when you left, and the Accrual Rate used (typically be 1/60th or 1/80th). As an example with a 1/60th scheme, you accumulate 1/60th […]

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  • Inheritance Tax ProblemWritten on May 7, 2015 by Peter Sharratt

    The Nil Rate Band for Inheritance Tax (IHT) purposes is £325,000 each and upon death this allowance, if unused, can be passed to the surviving spouse or civil partner.  This means upon second death the total Nil Rate Band would be £650,000 and up to this can be paid to your beneficiaries tax free.  The […]

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  • Pension Lump Sum – Yes or No?Written on April 8, 2015 by Peter Sharratt

    Taking the Pension Commencement Lump Sum (PCLS, formerly called Tax Free Cash) is generally accepted as being the most popular option.  But what is most popular is not necessarily right for you, so it is important to review the options taking into consideration your circumstances and objectives. ‘General’ reasons why it can be beneficial to […]

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  • Last Chance for this Year’s NISAWritten on March 12, 2015 by Peter Sharratt

    The end of the tax year is fast approaching and if you want to use your NISA allowance you will need to move quickly.  I would need to have a full understanding of your situation before I could put forward a recommendation, especially as I get the impression you are first time investors.  I can […]

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  • Capital Gains Tax PlanningWritten on February 11, 2015 by Peter Sharratt

    There are a number of tax planning ideas to consider before the 6th April but I will focus on two that would be relevant to your Capital Gains Tax (CGT) bill.  The first one to consider is making a pension contribution as this will benefit from income tax relief with basic rate tax relief (BRT, […]

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