How long will your pension need to last? We are all living longer in the UK. On average, people aged 55 today will live to their mid-to-late 80s. Around 1 in 10 men and 1 in 5 women this age will live to 100 – where you can look forward to receiving your telegram from The Queen. It is essential to prepare yourself for a long life, especially when it comes to financial planning. If … Read More
An Overview Of Inheritance Tax Inheritance Tax is a tax on the estate (the property, money and possessions) of someone who’s died. There’s normally no Inheritance Tax to pay if either: the value of your estate is below the £325,000 threshold you leave everything to your spouse or civil partner, a charity or a community amateur sports club If the estate’s value is below the threshold you’ll still need to report it to HMRC. If you give away your … Read More
Where Do Your Charitable Donations Get Spent? The demand for philanthropic advice continues to rise with more would-be philanthropists wanting to give locally but with no idea how to approach the challenge. They may be fearful of seeing their donation wasted by a small, ‘unprofessional’ charity or of its disappearance into the coffers of a huge national charity (with little chance of seeing the impact of that giving). This is where Sussex Community Foundation comes … Read More
The perils of passive investment Huge swathes of investor capital has been allocated to passive investment strategies over the past decade. Investors have feasted on the abundance of liquidity provided by central banks and continual desire for products with lower fees. In fact, according to JP Morgan, ETFs now account for 24% of all trading volumes in the United States. ‘Non-human’ or ‘non-discretionary’ investors now drives 90% of trading volume. These include High-Frequency traders, ETFs, … Read More
Investments – Four Key Points The world of investments can seem very complex, and it is. There are countless factors and variables that are taken into consideration by investors. Some very factual while others more subjective to the individual investor. At IEP we can simplify that information to help you better understand the issue! One can break the main topics to consider into four main headings: Time What is the timeframe you are happy with? … Read More
Succession planning: Why is business protection required? You can often overlook business protection when you arrange your insurances. In fact, all companies will have a variety of insurances. At the minimum: public and personal liability, company vehicle insurance and commercial property insurance. However, many businesses overlook the protection of their most important assets, the owners, and key people. Above all, they fail to cover the very thing that could put an end to the company … Read More
Pensions can be perceived to be a complicated financial instrument that most of us just simply do not want to think about- until we have to! But we at IEP Financial can help. Allow us to provide you with a simple walkthrough to Pensions. By the end we hope to ensure that both individuals and businesses have the knowledge to a secure financial future.