Should I save for retirement using an ISA or a pension fund?

In considering this choice, the first point to note is that in the absence of tax considerations the return on an investment should be the same regardless of the ‘wrapper’ on the investment product. Nevertheless, many people previously preferred to invest in ISAs because the whole of the fund could be drawn at any time, […]

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Gifts from Surplus Income – An Often Overlooked IHT Allowance

While most of us would love to have a higher income, those who are concerned about their Inheritance Tax position may find this more of a headache than a benefit as they see not only their savings increasing but also their eventual tax bill. There is, however, a much under-used Inheritance Tax allowance that permits […]

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