Blog

  • An Economic Perspective – Are Australian streets still paved in gold?

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    The Australian economy has experienced between 2-3% growth for the last few years. Growth in consumer spending and public investment certainly helped, but soft housing and business investment and a large detraction in net exports weighed on growth. No recession on the radar although growth is seen to be below potential, certainly when compared with...
  • Employee Benefit update Netherlands

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    Retirement Per 2018 all Defined contribution plans need to be prepared for the possibility for employees to buy a variable pension after retirement. Up to 2018 employees who retire needed to buy a fixed annuity with their DC pension capital at retirement date. Because of the current low interest rates that caused lower pension benefits than expecte...
  • D-Day Imminent for GDPR

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    The data protection law is changing and new regulation, which all businesses in the EU (not just financial services) MUST follow, is coming into force on the 25 May 2018. The legislation is called GDPR (General Data Protection Regulation). The new rules are designed to create a uniform level of data protection throughout the EU and accommodate the...
  • World pension ages on the rise: when will you retire?

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    State pension ages are rising around the world. We compare increases in different countries and suggest how people can still retire early. State pension ages are rising around the world. Most countries will increase the point at which people can withdraw payments to 67 in coming decades. Some governments have been more aggressive. The UK and Irelan...
  • Taxation of Buy To Lets

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    As you may be aware new tax rules are being phased in in regard to the taxation of Buy To Let Properties over the next few years. These changes will effect Landlords who have Mortgages on their rental properties and whose combined income including that of their BTL rental income, takes them above the 40% tax threshold. For some this could be a cons...
  • Quarterly Newsletter - April 2018 - Paul Beard Introduction

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    Hello Welcome to our Spring edition newsletter, although the last 3 months here in the UK have felt like an eternal winter. There isn’t a great deal to report upon in the world of money, finance and investment this quarter including ‘goings on’ at ABG. The economy in the UK remains buoyant, tax revenues are now meeting normal expenditure and the Ch...
  • Is your family financially vulnerable?

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    Research from a large Global Insurer has shown that as many as 61% of transient professionals working outside their home countries had medical cover (usually through their employment package) but no life cover in place. Expats appear more likely to insure their health whilst ignoring financial provision for their untimely death even if this would r...
  • Retirees embracing social, mobile and tablet

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    You’ve lived a full and rewarding life, settled down, had a family, and are now reaping the benefits of working hard and investing in your future. But has the world got smaller since back when you first began to make your mark? Now, through using social media on your tablet or smartphone, you can find that school friend that emigrated halfway acros...
  • Talking about your will – don’t be one of the 93%

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    A national saving and investment survey has shown only 7% of people have spoken to their parents about inheritance. One of the most important parts of planning to leave an inheritance is to talk about it. This is obviously not an easy topic and it may be a good idea to set aside some specific family time to have this discussion. This could help av...
  • HMRC reveal the UK’s tax landscape

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    At the beginning of March 2018, HMRC published figures on personal taxation and income throughout the UK for the 2015/16 tax year. The full report offers some interesting insights into the nation’s finances. According to the report by HMRC, the UK population collectively earned more income in 2015/16 than ever before. Total UK income broke the £1 t...