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Budget: Govt extends pension tax relief cut

The Government has expanded its expected reduction to pensions tax relief for people earning less than £150,000. Originally the Government had indicated people earning over £150,000 would see their annual allowance tapered to a minimum of £10,000. This is to fund an increased inheritance tax threshold to £1m for couples. It was not clear how […]

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Scottish Widows: FCA needs to develop low-cost advice market

More than 40 per cent of lower income households do not know where to turn for advice or guidance on their pension savings, according to figures published by Scottish Widows. The provider asked more than 5,000 UK adults where they would go for guidance and advice on their savings in a survey carried out before […]

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England vs Australia: pensions

Well, the cricket season is here, and England and Australia are stepping up to the wicket. Although we compete with each other in the sporting world, when it comes to pensions, Australia’s pension programme is held up as a model for our auto-enrolment initiative. Auto-enrolment was introduced because people weren’t saving enough into their pensions, and it is still early days but signs are positive. However, in Australia, saving into a pension is compulsory, and in fact employers are the ones who have to pay in. Employees in Australia can make additional contributions into their pensions, but they don’t have to. Should the onus be on the employer or employee to save? Well in the UK we think it’s both, but to get ‘adequate’ savings for retirement it’s the employee who has to pay more in.

BestOfBothWorlds

Best of both worlds: Blending active and passive

Looking to blend active and passive investment strategies? There are four key factors you need to know about, explains Ankul Daga, senior investment strategist with Vanguard Europe. Discussing the merits of active and passive investing with financial advisers, I am often surprised to discover how many are blending active and passive funds in their portfolios. […]

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