By the time Rachel Reeves presented her premiere Budget on 30 October there was already a sense of economic gloom. Her late July revelation of a £22 billion ‘black hole’ in the public finances had cast a pall across the following three months as speculation mounted over how it would be filled.
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Categories: Articles
In order to protect the interests of all Shareholders, the Authorised Corporate Director (ACD) and the Depositary of the Fund and its Feeder Trust, have agreed to temporarily suspend dealing in the shares of the Fund and units in the Feeder Trust, effective as of 10 a.m. on 20 March 2025, in accordance with the terms of the Prospectuses of the Fund and Feeder Trust and the FCA Handbook.
Tax Treatment Of Onshore Bonds
Categories: Financial Planning > Investment PlanningWe use the Transact onshore bond wrapper where you wish to defer or mitigate higher rates of tax and, in many cases, receive regular income. The flexibility of the Transact wrapper does mean, however, that when considering what cash to hold throughout a year we have to allow for tax as well as charges, income and withdrawals. This note is designed to explain how the tax works.
Categories: Investment Planning
Categories: Articles
Our Approach To Investment Management
Categories: Investment PlanningIt is important to understand how your adviser approaches the purchase and management of your investment funds. These notes are designed to explain briefly the Swallow Financial Planning methodology.
Using Trusts In Financial Planning
Categories: Estate PlanningAn introduction to attaching trusts to financial products and services.
Categories: Insurance
Life assurance is a protection insurance which pays out an agreed sum should the insured person die. The following notes describe briefly the most common types of life assurance plans now available
Categories: Later Life
For most people, their big concern is whether or not they have sufficient assets to support them when they are at their most vulnerable. Generally, this will be when frailty, and/or sickness mean they need care or have to go into residential accommodation. These notes are designed to provide some background about the subject.
Categories: Later Life > Mortgages And Loans
As a recommended adviser for the Society of Later Life Advisers (SOLLA) we are frequently asked to advise on home income/equity release plans. These notes are designed to provide some general background information to consider the options in this quite complicated area.
Workplace Pensions & Auto Enrolment
Categories: PensionsThe following is a summary of the current position of the new state workplace pension automatic enrolment pension scheme.
Categories: Pensions
These notes are our current understanding of the rules that govern the use of salary sacrifice to enhance pension savings.
Self Administered Pension Plans
Categories: Financial Planning > PensionsFor many years the “must have” accoutrement for all business owners was the self administered pension plan. Swallow Financial Planning is authorised to advise on all aspects of pensions including self-administration and final salary scheme transfers.