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Talkback

Do you agree with Alan Pickering that Isas are better than pensions for people who think that they may receive meanstested benefits in retirement ?

“Yes, because of their flexibility and higher income potential.”

Nigel Sanders, Choice Investment Services

“Yes. When the stockmarket picks up, Isas could be preferable.”

Alan Downs, Collingwood Financial Consultants

“Yes, because of the taxation position.”

John Collier, Mr J S Collier

“Yes, because your pensions will end up being means-tested.”

John Dixon, John Dixon Financial Services

“Yes. For a majority of people, that could be the case.”

Paul Badman, Harold Haynes Insurances

“It depends on the individual you are talking to.”

Paul Stokes, Jack Lawrence Financial Services

“Yes. Pensions are poor value.”

Malcolm Jones, Malcolm Jones and Co

“No. As a statement, I would not agree. It is too general. In certain circumstances Pickering is right but in other circumstances he is wrong.”

Brian Keates, Brian Keates Tax & Financial Planning

Yes 75%

No 13%

Don&#39TKNOW 12%

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Case study: administration — implementing a management log

Our client is a leading video game and publishing company best known for its console role-playing game franchises. The client provides a number of benefits, at varying levels and cost that attract a P11d liability. With the absence of a management log to track data for benefit movements, enormous administrative and therefore cost implications were occurring each year just to comply with P11d reporting requirements.

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