What is Wrap?
Reader Writes:
You mentioned a few months back an investment solution called wrap. I have investments and pensions all over the place, can you give me any more information on this solution?
The holiday season is here! But beware of credit card charges…
The holiday season is soon upon us and as we all head for our mountains, valleys or surf, it may be worth your while looking at the expense of using a credit card overseas.
Current interest rates to stick…for now
As we approach the next monetary policy committee (MPC) meeting there is no doubt that concerns will be raised as to the future of interest rates as I laid out in my article a couple of weeks back. I don’t believe they will raise rates now and it’s likely they will allow the current rate rises to have their impact on the spending patterns of the consumer, before making the decision to increase. Keep a close eye on the inflation data coming through over the next few months.
Fidelity reveals new Special Situations Fund manager. Should you keep investing?
Reader Writes:
Have you any views on whether or not to keep investing in the Fidelity Special Situations Fund now that we know who the new manager will be after 2008.
Interest rate rises…where to next?
Reader Writes:
After the recent interest rate rise, do you have any views on where you believe interest rates will move from here onwards.
Should you invest more of your money now?
Reader Writes:
I notice the stock market has performed very well and I am wondering whether or not it is time to consider investing more or whether or not to wait.
Protected Investment
Reader Writes:
I read your article about protected products and wondered if you had a view on the new protected investments that are being offered. They were explained to me as a plan that guarantees your investment at the end of the term plus a minimum of the best return the investment has achieved over the term – seems like a cake and eat it.
Using your nil rate band to create debts against your estate
Reader Writes:
I read your articles over the last few weeks on inheritance tax and splitting trusts. I wonder if you could explain how the recent case will affect those who use their nil rate band to create debts against their estate.
Overseas Investment & Tax Efficiency
Reader Writes:
I have money invested overseas that I was advised to invest for tax efficiency but I understand it is no longer tax efficient to do that. What are my options?
Inheritance Tax & Gifts
Reader Writes:
Following last week’s column we still have a number of Inheritance Tax questions unanswered.
If I am making gifts or gifts into trusts which order should I do them in?
Inheritance Tax Trust Splits
Reader Writes:
Following your article on Inheritance Tax Planning I had a number of questions, perhaps you could help?
Children’s Savings Plan
Reader Writes:
I was considering a savings plan for my children and wondered what options are available for me. I understand the government have also changed their mind in relation to gifts into trust for children.