Don’t Bank On It!
The images of a waterlogged United Kingdom will impact on thinking, planning and development for years and generations to come. Such disasters bring out the best and worst in the British character – along with, eventually, the politicians. “Wallies in Wellies” was one headline. No-one in Cornwall and the South West was surprised that it […]
Investment Adviser of the Year 2014 Winner goes to Worldwide Financial Planning
Worldwide Financial Planning has been awarded the prestigious Investment Adviser of the Year 2014 from Sesame Bankhall Group. The award ceremony took place at the Park Plaza Westminster Bridge London Hotel hosted by the comedian Dominic Holland. Worldwide up against one in four of the UK’s IFA community and is proud to receive the award […]
Triple Whammy
Jargon, abbreviations and catch-phrases are designed for young ears. Those of a certain age have struggled in recent times with a succession of modern technical problems – being “on-line”, connecting to “wifi” and texting. Then came social media. With help from the younger generation, Facebook is just about manageable and “Skype” is a great way […]
The Perfect Storm
Fancy A Cambridge first-class honours degree? Cut down on the partying, work hard and it’s within your grasp. Anything over 70% gets the job done. What about the most nerve-wracking moment of adolescence? Not that. The driving test on which hangs the freedom of the road. You can make up to 15 driving faults – […]
Hypochondriacs take note – you may qualify for greater income on your annuity.
Okay, so we’re not saying that you should make yourself ill, or even fake it, in order to receive a bigger payout, but if you’ve had any medical conditions and you’re about to retire then it’s probably worth mentioning them when you meet your independent financial adviser. Let me explain. As many people who are […]
What would happen to your pension if you die?
If you have a pension it may not be immediately clear what will happen to the funds on your death. It may not be something that you may want to address but families are increasingly challenging decisions made by pension scheme trustees following the death of a member. Pension savers are being warned to regularly […]
Lost in Space? Act now to track down all your pensions!
One marked change in modern life is the huge shift in work patterns. Many people will do a large number of jobs and possibly multiple careers throughout their life time. The days of school, one work place and then retirement are largely gone. Many of these jobs will come with a workplace pension and due […]
Abolition of Protected Rights
RIP Protected Rights 6th April 2012… and yet another tax rise! We’re afraid the politicians are at it again with yet more changes to pension rules. This time it’s the abolition of protected rights. For pensions geeks (like those at Worldwide) these constant changes provide interesting challenges to be overcome when helping clients plan their […]
US Debt Ceiling
When will the market recover? What is your view on the U.S. debt ceiling and its impact on investments as my pensions and ISAs have taken a pounding? A month or so ago we reiterated the need to be invested in real markets that have exposure to companies with real earnings and real profits, as […]
Absolute Returns
Absolute returns, the latest buzzword from the financial marketing world. But what exactly are absolute returns and do they really have a part to play in your pension fund, investments or ISAs? As we mentioned in this column a few weeks back, an investor subjected to the FTSE100 over the last eleven years would still […]
Long Term Care – Estates Don’t Have To Be Liable
Without question, long term care is one of the biggest threats to the passing down of capital to our children. Unlike Inheritance tax, which is applied as a tax at 40% on transfers over £325,000, your personal estate can be liable for every penny over and above £23,500. It is also a tax on the […]
UK Inheritance Tax
£80,000 per person in Inheritance tax I have just found out that my life insurance could be liable for UK Inheritance tax. Is this correct? This was a question we received recently from one of our clients. In simple terms, UK inheritance tax is a charge of 40% on any assets valued at more than […]