Prepare for stormy weather

Prepare for stormy weather 

'May you live in interesting times', is an old Chinese curse. 

So, people could be forgiven for thinking we're truly cursed at the moment with the world being beset by great political and economic uncertainty. Two of the world's biggest economies, the US and China, are engaged in the early stages of a trade war, Brexit is unresolved, Italy presents another threat to the EU and France is torn by civil unrest. 

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Making the most of your allowances

Making the most of your allowances 

In last year’s Budget, there was no change to the personal pension allowance, which is good news for people saving for their retirement. The allowance turbo-charges your pension savings, because, if you are basic rate taxpayer, for every £100 that you pay into your pension pot, HMRC will add £25 and the same again through tax return if you are a higher rate tax payer. This is up to your personal allowance of £40,000 gross in any one year. 

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To consolidate or not to consolidate? That is your pension question.

To consolidate or not to consolidate? That is your pension question. 

For some years now, it has been increasingly rare for people to spend their working lives with just one employer. People tend to move company and make career changes and women often take time out to have, and look, after children. 

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