Blog

  • A Guide for Grandparents: helping your Grandchildren with their finances

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    In later life, it is common for many of us to want to do something for the younger members of our family. If you are eager to provide your grandchildren with a sound financial start in life then the options may seem confusing; how can you save on their behalf most effectively? How can you pass on some of your wealth without incurring large tax li...
  • Announcing the Complete Property Investment

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    Alexander Beard Group are today delighted to announce a new service designed specifically for UK expatriates who want an easy way to invest in property back in the UK. Our specially designed Complete Property Investment Service contains all of the elements required to make investing in a property in the UK as simple as possible, so you can get on w...
  • Video: Explaining Inheritance Tax

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    When it comes to passing on your estate to your family, did you know that anything over the current limit of £325,000 is subject to a 40% Inheritance Tax? That might sound like a large number but with rising property prices and a recovering economy, more people than ever are being caught out. In the video below, we explain what Inheritance Tax can...
  • Managing Your Portfolio

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    A recent Dalbar study showed investors, who manage their own portfolios have earned less than 3% annually over the last 20 years. Yet, the market, over this same period has returned nearly 10%. Why? The answer is relatively simple, they do not understand how volatility can be their friend. They don’t know how to structure a portfolio to take advant...
  • Who’s coming to the UK, who’s going, and why?

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    Visits to the UK by overseas residents rose in February 2014, continuing the pattern noted at the end of 2012 and 2013, according to the Office of National Statistics (ONS) in an April 2014 report. The number of visits to the UK in the three months December 2013 to February 2014 was 5% higher than a year earlier. Holiday visits to the UK continue t...
  • Pension changes won’t prevent interest only mortgage crisis

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    Access to pension pots announced in this years’ Budget will not stem the looming interest-only mortgage crisis, Age UK is warning. From 2017, 40,000 interest only mortgages owned by borrowers aged 65 and over will mature every year. Interest only mortgage borrowers believe their average shortfall will be just over £22,000. But the latest estimate b...
  • British Expats in USA and the 2015 Pension Changes

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    In April 2015, new legislation will come into force that will affect a large percentage of people who have a UK Pension. These new rules will provide greater flexibility and freedom than was previously afforded to pension holders and will apply to many British expatriates and Americans who have built up pension rights in the UK. With more and more...
  • The Rise of the Pensioner Millionaires

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    More than one million pensioner households in the UK now have total wealth of more than £1m according to analysis by Prudential of the latest ONS data for 2010-2012. The analysis shows that the number of millionaire pensioner households has soared by 69% compared with 2006-2008 when the number stood at just over 636,000. This means that more than o...
  • New flexible pensions: why we will not be spending them all at once…

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    Much has been written about the new dawn of pensions flexibility ushered in by the Chancellor in his last budget. Amidst the thunderous applause and cries of ‘long overdue!’ from most pension holders there were, however, stern noises from certain quarters – Labour’s Ed Balls among them – that the overwhelming temptation for many would be to rush ou...
  • Things to do before moving abroad

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    If you are thinking of retiring abroad, did you know that while the UK full basic state pension for a single person was worth £79.60 in 2004 and in 2014 is now worth £113.10 a week, an increase of 42%, if the country you’re retiring to has a reciprocal agreement in place with the UK then the UK state pension will be paid and increased as normal. If...