HMRC recently revised their guidelines on what will constitute “resident” or “domiciled” in the UK.
One of the advantages of getting help from firms such as Asia Pacific Pensions, is that we can encourage you to think about the bigger picture and point out the dangers of locking into an annuity rate at the lowest levels ever without having any chance to benefit from any increase in future interest rates or equity process.
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In almost 30 years of working in this business, advising clients in 8 different countries in the process, I have NEVER met anyone who complains about having too much money in retirement. I have meant countless numbers of people who don’t have enough income to enjoy their retirement, but never the other way round. So…
With increasing pressure on State and Occupational Pension Schemes, clients should consider alternative means for preparing for their retirement.
The chancellor’s decision to accelerate the introduction of the flat rate state pension has been described as a “cash grab on pensions”, after it emerged it will bring an extra £5bn into Treasury coffers.
A QROPS member can be safe in the knowledge that, upon death at ANY time, his or her entire fund will be paid to the beneficiaries FREE OF ALL TAX. That means that a 100% tax-free lump sum can be paid to your spouse, or any other beneficiary that you wish.
While investigating the various options open to you in regards to the retirement aspect of your financial planning, you may have heard the word ‘QROPS’ being used. The problem is that many people don’t even know what a QROPS is…
You might be familiar with the risk-reward concept, which states that the higher the risk of a particular investment, the higher the possible return. But, many investors do not understand how to determine the level of risk their individual portfolios should bear.
After almost 26 years in this business, I believe that the biggest single reason why adviser/client relationships breakdown, is that the client’s expectations have not:been clearly evaluated or correctly managed by their adviser.