Blog

  • What is the Innovative Finance ISA?

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    Innovative Finance ISAs (IFISA) are a little-known type of ISA that can see great returns. Here’s a summary of what they are and how they use P2P lending to secure steady rates of growth: P2P lending P2P lending stands for peer to peer. It’s founded on a pretty straightforward idea: you lend your money to individuals or businesses using a P2P platf...
  • What does the disclosure of investment charges mean under Mifid II?

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    Mifid II came into effect over a year ago on 3 January 2018. It’s an acronym for Markets in Financial Instruments Directive 2 and, at over 30,000 pages, it’s far from a bit of light reading. Mifid II was designed to offer more protection for investors and to inject more competition into the trading of all asset classes. A part of this was a drive f...
  • Think big this Valentine’s Day

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    Valentine’s Day is a staple in the romantic calendar and this year is no different. It’s a great excuse to show your loved ones what they mean to you and we all have different ways of doing that. For a lot of us, a single rose or a box of chocs will do the job just fine – maybe a posh dinner out if we’re feeling extravagant. It’s the little things...
  • Love yourself, love your finances

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    We’ll be the first to admit that your personal finances aren’t the easiest thing to fall in love with. It can be easy to bury your head in the sand when it comes to both your regular expenditure and investments. There are several reasons for this. First of all, money can be a source of stress. We’re sure you’re well aware of how crunching big numbe...
  • Attention! UK citizens working overseas

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    The UK state pension rules recently changed and for those who reach state pension age after April 2016, you may not be aware that; You need 35 years national Insurance contribution history to be eligible for the new full state pension. You require a minimum of 10 years contributions to receive any benefits, but these don’t have to be 10 years in...
  • News from Germany

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    Market – Trends; Beyond traditional employee benefits: Let’s forget about 2016 and all these debates and discussions about Brexit. There is no need to discuss what went wrong and who is to blame. We need to focus on our children’s future. In Germany as in most other Western countries we are facing more nationalism and more egotism, and following th...
  • Hospital admissions for stress and anxiety soar among office workers

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    Employees are struggling to cope with the stresses of modern life, figures suggest. There has been a surge in the number of hospital admissions for stress and anxiety among white collar workers, an analysis shows. NHS figures show admissions overall rose by more than a quarter in the past decade, to almost 15,000 cases in 2017/18 from just 11,500 i...
  • Advice to Expatriates

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    As a Financial Advice firm, providing advice to Expatriates and UK clients we have seen an increase in demand for our services. Deciding whether to transfer a pension out of a Defined Benefits scheme to a defined contribution (DC) scheme in the UK or a ROPS (Recognized Overseas Pension Scheme) will be the biggest financial decision that many client...
  • Changes 2019 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 2018 Minimum required offset 2018 Final Pay € 15.099 € 15.599 Average Pay € 13.334 € 13.785 Defined Contribution € 13.334 € 13.785   The offset...
  • Pension drawdown in an era of long life expectancies

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    Retirement planning means taking into account a whole host of factors. You have to navigate tough questions like, ‘What will the impact of inflation be?’ or ‘When will interest rates start to creep up?’ As well as these, there is another question that must be considered: ‘How long will you live?’ This question is unanswerable but figures suggest th...