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Kirk Rice Blog

  • 2021 Investing TipsWritten on January 21, 2021 by Kirk Rice LLP

    As regular readers will know, I always say there are enough people out there who believe the market is a bubble ready to burst. Put them all together on social media, and they create an expectation in investors and market makers’ minds. Taken with other information if a fall in demand for assets shows prices […]

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  • Invest Responsibly – Where Do I Start?Written on November 18, 2020 by Kirk Rice LLP

    The United Nations has launched many global goals since it’s inception 75 years ago and now has set out Sustainable Development Goals. There are 17 goals which are: No poverty Reduced Inequalities Sustainable Cities and Communities Responsible Consumption & Production Climate Action Life Below Water Life on Land Peace, Justice & Strong Institutions Partnerships Reduced […]

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  • Coronavirus – Money, Scams And Action You Should ConsiderWritten on May 7, 2020 by Kirk Rice LLP

    Analyse The first step is to consider whether your long-term plans are as badly affected as you might think. In a multi-asset investment portfolio losses would not have been as high as the headlines might suggest. Over the first quarter of 2020, the FTSE100 is down 22%; whereas multi-asset portfolios could be down much less […]

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  • Carry Forward For My Pension – Is It An Option?Written on March 16, 2020 by Kirk Rice LLP

    The maximum personal annual contribution into a pension for an individual without adverse tax consequences is £40,000 or their income if lower. For a company contribution, it is £40,000 (no reference to income). This overall limit includes personal and employer payments. It is however reduced for those earning more than £150,000 by £1 for every […]

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  • Self Assessment Tax Returns – Do I Need To Complete One?Written on October 28, 2019 by Kirk Rice LLP

    It is an individual’s responsibility to ensure they pay the correct amount of Tax and make the required reports to HMRC; hence the title ‘Self Assessment’. Your income is taxed at source under the PAYE system and assuming your ‘notice of coding’ is correct, you should be paying the right amount of Tax on this […]

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  • Income InvestmentWritten on September 10, 2019 by Kirk Rice LLP

    I understand your concerns on investment income and feel an explanation of the background to such decisions is needed. The Treasury uses National Savings & Investments (NS&I) to raise money for government spending and provides the 100% money-back guarantee, which makes this a favourite recommendation from financial advisers for cash holdings. You are usually covered […]

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  • Should I Transfer My Final Salary Pension?Written on July 12, 2018 by Kirk Rice LLP

    It is likely to be in the best financial interests of most members to remain in their final salary pension scheme. The scheme’s promises are underwritten by an employer, and it is unlikely that the transfer value could provide benefits of equal value to those given up. However, accessing a pension flexibly may be better suited […]

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  • Transfer ISA to Pension?Written on July 7, 2018 by Kirk Rice LLP

    A lot of families are doing just that because they can boost their savings and pass money on death more flexibly and tax efficiently, but it may not be suitable for you. Let’s assume that £12,500 of your income is taxed at 40% (Higher Rate Income Tax) and you have more than £50,000 in various investment […]

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  • Avoid A Financial Services Scam – How To Protect Yourself.Written on July 2, 2018 by Kirk Rice LLP

    The first word that pops into my head is ‘SCAM’. The Financial Conduct Authority (FCA) website has some very interesting information on ‘how to avoid investment and pension scams’. Some of the points they make, which may explain why SCAM was the first word that popped into my head, are; Scammers usually contact you out […]

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  • Pension Drawdown – Are Women Worse Off Than Men?Written on April 25, 2018 by Kirk Rice LLP

    In retirement prior to 2015, most pension money was converted into a guaranteed income for life which often made the situation even worse for spouses.  Most people bought a pension annuity that would only provide 50% of the income after their death for their spouse or dependant. Since the introduction of Flexi Access Drawdown very […]

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