The Financial Pilot
News and comments from the pilotfinancial team.
The recent announcement at the G20 summit in Japan that both China and the United States will ratify the Paris climate change (COP21) agreement is an indication that perhaps, finally, the world’s superpowers are taking this issue seriously. Closer to home, many of us...read more
The result of the EU referendum in June was clearly not priced into investment markets. As a result, there has been some significant volatility across all major asset classes as investors assimilate the likely impacts of Brexit and valuations adjust to the new...read more
As we get older and become more financially secure it is only natural that we consider the future for our children and grandchildren. However, the situation is brought into sharper focus by the fact that UK inheritance tax (IHT) may well significantly reduce the...read more
George Osborne’s new Lifetime ISA (LISA) has been hailed as a major boost to the saving prospects of the young and self-employed, so how will it work (and is there a catch?!) The LISA is set to launch in April 2017 and will be available to the under 40’s only....read more
The difference between tax avoidance and evasion is simple enough in theory: avoidance is about the use of legal means to minimise your tax bill; evasion is illegally cheating the system. In practice however things aren’t quite as clear-cut. The likes of Google,...read more
The soaring price of property and the associated rise of Generation Rent have put buy-to-let in the spotlight. The introduction of an additional 3% stamp duty on second homes, announced in the Autumn Statement, follows significant changes to landlords’ tax relief....read more
Statistically one in four people will need care in a care setting at some point in the future, but the opinion of many regarding planning for care is to bury their heads in the sand until the need, often urgent, actually arises. As an ageing population we need to...read more
This week’s Budget certainly initiated a lively debate over new policies such as the introduction of a higher minimum wage and the trimming of welfare payments. Behind the headlines, the breadth and complexity of other announcements mean that the implications for...read more
Since April this year, it has been possible to withdraw funds from your pension much more flexibly and, judging by reports from pension companies, many thousands of people have already been taking advantage of these new freedoms. Great news! I do however have some...read more
Holding investments in many different countries broadens the potential opportunities available to you and can help to reduce the overall risk of your investments. Global diversification is an important consideration when we construct investment portfolios and last...read more
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