Blog

  • Pension Freedoms: the first twelve months in numbers

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    It was a year ago that the biggest pension shake-up seen this generation came into force. Whilst there hasn’t been quite the stampede of people determined to withdraw every penny from their pension early, to splash out on a hot tub or luxury cruise, the statistics from the last twelve months suggest that those who have taken advantage of the change...
  • Health Care….. “Our children are able to start College, what are our options”?

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    We hear regularly from parents how difficult and time consuming it is researching suitable Health Care plans for sons and daughters. Children leaving home can be a very stressful time for all. We are now very pleased to be able to offer The ABG International Students Healthcare Plan. At least you can have peace of mind that appropriate medical cove...
  • What's new in the new tax year?

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    In this article we provide a reminder of the various changes that have taken place from 6th April which will have an impact on the financial planning world. This includes changes in the areas of pensions, taxation and savings. Pensions Lifetime allowance – has reduced from £1.25m to £1m. Two new protections are available (Individual Protection 201...
  • News and info from our Dutch office

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    Defined Contribution plans in the Netherlands In a DC pension scheme the employee accrues a pension capital based on the invested capital. The capital must be converted to an annuity on or before the retirement date. In principle, the investment risk and the interest rate risk (the risk that the rate for purchasing an annuity changes) rest with th...
  • P2P Lending online

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    Peer-to peer or P2P is the new kid on the block for most investors. Peer-to-peer lending websites are offering very attractive rates compared to banks & building societies. In these times of very low bank rates this can appear very tempting. However, these attractive returns come with risks. Peer-to-peer websites, which appeared in Britain abou...
  • Investment Portfolios and the EU Membership Referendum

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    Good news - the impossible task of predicting the future just got easier! Usually there are many different potential outcomes to events making it hard to say exactly what will happen in the future.  With the EU Membership Referendum there’s only two possible outcomes: LEAVE or REMAIN.  So you have a 50/50 chance of calling it right.  The value of y...
  • The ‘Brexit’ impact on your pension

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    In the lead up to the budget announcement, George Osborne seemed to bow to the pressure David Cameron and other members of the Conservative Party were putting on him to soften his approach when it comes to pensions and tax relief. Ahead of the announcement, treasury sources suddenly began to indicate that now is ‘not the right time’ to make such bo...
  • What is diversification?

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    If you’re new to the investment world, or even if you’re not, it’s likely that you’ve heard the term ‘diversification’ used in relation to your investments. However, you’re certainly not alone if you don’t have a clear idea of what the word actually means for your investments. Read on, and learn everything you ever wanted to know about diversificat...
  • Squeeze on property market starting to slow London boom?

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    Sales of luxury property in London have seen a considerable slump following Chancellor George Osborne’s sharp increase to stamp duty. Property industry observers have given warnings that the situation is becoming more and more harmful to the property market. Douglas & Gordon, an estate agency with particular expertise when it comes to property...
  • The Lifetime ISA: What you need to know

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    Amongst the key announcements that came from the budget was the introduction of a new ‘Lifetime ISA.’ By far the most attractive feature of this new form of savings account is that contributions every year will receive a healthy 25% bonus from the government. As the maximum annual contribution amount will initially be set at £4,000, that means the...