Author: Gemma Bellaby

Most people reaching state pension age today are receiving less than the new state pension. A Freedom of Information (FoI) request from the Sunday Times revealed an interesting fact about the new state pension, which started life just over a year ago on 6 April 2016....

The Budget confirmed the rate on the new National Savings & Investments Bond. 2.2% That is the fixed rate on the “welcome break for hard-pressed savers” which Mr Hammond confirmed in last month’s Budget. The new NS&I three year fixed rate bond will be available from...

The US central bank, the Federal Reserve, has increased interest rates for a third time. This might look like a piece of modern art, but it’s not. The illustration above is what has become known as the “dot plot”. Each dot represents where a member...

New rules for taxing many salary sacrifice arrangements come into force from 6 April.   One of the employment trends of recent years has been to make employee remuneration more flexible. Instead of pay and, if you were lucky, a company car and healthcare, ‘cafeteria remuneration’ has...

One of the few surprises in the March Budget was a cut to the dividend allowance to come in 2018/19.     The dividend allowance first saw the light of day in the post-election Budget of July 2015. It was designed primarily to discourage self-employed business owners...

New regulations promise another improvement to ISAs soon. Recent statistics issued by the Investment Association (IA) point to a declining interest in individual savings accounts (ISAs). In 2016 the IA recorded only two months in which new money flowing into ISAs exceeded existing money flowing out....

Tax year beginning planning can be just as valuable as its more familiar year end counterpart. The run up to 5 April, with the Budget (and often Easter) intervening, can be a frenetic time for personal financial planning. All tends to go quiet once the...

6 April marks the launch of a new ISA variant, the Lifetime ISA (LISA). One of the last surprises produced by George Osborne in his final Budget was the announcement of the Lifetime ISA. Shortly after Mr Osborne was replaced it began to look as...

Recently released figures show that UK dividends grew faster than inflation in 2016. The number crunchers at Capita Asset Services, one of the UK’s main share registrars, have been working out how much was paid out in dividends by UK listed companies in 2016. The...

National Savings & Investments are cutting interest rates from 1st May. National Savings and Investments (NS&I) has announced that it will be cutting interest on four of its variable rate products from 1 May. It says the cuts follow on from the Bank of England’s...