End Of Tax Year – Important Information

Individual Savings Accounts


The overall personal limit for an Individual Savings Account (ISA) for the current tax year is £11,280 and this will increase to £11,520 for the new tax year commencing on April 6th. It’s important to note that if you are only contributing to a cash ISA then the maximum is exactly half the overall allowance – so £5,640 and £5,760 respectively. The other key point is that if you don’t use your ISA allowances for this tax year then they are lost – they can’t be ‘carried forward’ to the next tax year.

Read more …

Changes To The Way You Receive Financial Advice

The Financial Services Authority (FSA) has published a checklist for investors explaining changes to the way they get financial advice, ahead of the implementation of the Retail Distribution Review (RDR) on 31st December.

The changes to financial advice include clearer charges, clearer services and more professional advice.

Click the read more link below to see the changes in full.

Advisers will either be independent or restricted from 31st December onwards.Independent advice means the adviser can provide advice on all of the different types of financial products. Any adviser who cannot do this will be restricted. Read more …

Before Leaping, listen to a Giant

We thought that clients and visitors to our site would find the following article interesting. It’s from the the NY Times website and it resonates with us and the approach we take with our clients.

We hope you enjoy.

To read the article, click the link http://tinyurl.com/cn6qap8

Why shares are the winner over the long-term

We thought you may be interested to read this article written by Warren Buffett. It supports our philosophy that investing in shares over the long-term is the only way to retain your purchasing power and negate the effects of inflation.

For the article, please click on the link.

http://tinyurl.com/893gxcs

For more on investing over the long-term read Slaying The Dragon Parts 1 and 2.

The Enemy Is Staring You Right In The Face

Benjamin Graham once famously said that “The investors chief problem and even his own worst enemy is likely to be himself.”

Graham was a British born American economist and professional investor who sadly died in 1976. Warren Buffett described him as the second most influential person in his life after his own father.

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Junior ISAs

Junior ISAs (Individual Savings Accounts) have been available since 1 November 2011, following the end of Child Trust Fund (CTF) eligibility from January 2011. The Treasury says that Junior ISAs will ensure that all parents have a clear and simple way to save for their child’s future.

They will initially allow parents, family members and friends to make tax-efficient savings of up to £3,600 annually per child.
Read more …

Where will you be five years from now?

Have you sat down and thought about how you would like to spend the rest of your life?

Money is worthless without purpose. Your wealth is there to help you achieve your goals and aspirations.

I hope that this short video inspires you. It certainly inspired us when we set about establishing Brunel Capital Partners.

Brunel Capital Partners is a sister company of Pilgrim Financial Planning