Blog

  • How has auto-enrolment changed saving habits?

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    A recent report from the Resolution Foundation has revealed the impact that auto-enrolment is having on the saving habits of UK workers. One of the positive predictions from the think tank’s findings is that millennials are likely to enjoy the same level of retirement income as current pensioners, going against the pessimism which usually surrounds...
  • Changes 2018 in employee benefit legislation

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    Retirement Every year several figures for pension plans in the Netherlands are updated. Please find the most important changes below. Offset Pension system Minimum required offset 2017 Minimum required offset 2018 Final Pay € 14.850 € 15.099 Average Pay € 13.123 € 13.334 Defined Contribution € 13.123 € 13.334   The offset has to...
  • Capitalism, Politics and Horror Movies

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    As stock markets continue their march beyond all-time highs the usual concerns start to emerge: Are stock markets over-valued? After the boom surely there will be a bust? What about Trump/Brexit/North Korea/China… etc? For those who are waiting to invest the prospect reads like a horror movie script. The thought of placing cash into the markets i...
  • Update from our Germany Office

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    The OECD has published the "Pensions at a Glance 2017" - report. Looking into the report on Germany one has to state that Germany’s pension system is not bad, but old- fashioned. The replacement rates (net) are expected to remain below the OECD average, in particular for low earners (55% vs 73%). Missing basic and minimum pensions will lead to havi...
  • News and Views from our UK EB team:

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    An interesting development in 2017 was that more and more of our clients are looking at additional ‘value added’ staff benefits; Halfords Cycle2Work and Kiddicare Vouchers, for example, are becoming increasingly popular.  International medical insurance for companies who have travelling executives is also becoming a more popular request and we now...
  • Quarterly Newsletter - January 2018 - Paul Beard Introduction

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    Happy New Year! I hope you all enjoyed a peaceful and happy Christmas; it’s a time for family and friends to reflect on another year past As ever here at ABG things didn’t stand still: In February we replaced our Australian Director and appointed Dave Stone, at the same time as relocating the business to Perth, which is a better market for the int...
  • One for the kids? – If they’re saving for a home, check they’re making the most of the Lifetime ISA

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    If you’re saving for a home through a Help To Buy ISA or know someone who is, it’s worth being aware of a planning opportunity which could boost your savings by an additional £1,100. But anyone hoping to take advantage of this opportunity needs to be quick, as it will only be available for just under four months more. Any savings in a Help To Buy I...
  • What does the future hold for the Apprenticeship Service?

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    Recent figures from the Department for Education (DfE) show that the amount of workers starting apprenticeships in England has fallen dramatically. The number of people beginning an apprenticeship between May and July 2016 was 117,000, a number which has fallen by more than half to 48,000 during the same period this year. The sizeable drop has occu...
  • 5 Financial Goals for the New Year

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    Whether or not you’re the kind of person who sees the start of January as the time to set yourself resolutions and stick to them, the period after the excesses of Christmas and New Year is arguably one of the best times to actively get your finances into shape. Here are five great money-related resolutions it’s definitely worth committing to in ord...
  • January Market Commentary

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    Another year seems to have flown by in the space of about five months. December, in particular, seemed to go past in a blur. It was, however, the month when some progress was – finally – made in the Brexit negotiations. It was also the month when Scotland used its tax-raising powers to increase income tax, when Germany worried about Chinese spies u...