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On paper, the argument between active and passive investments is often polarised with commentators debating the merits of each standalone investment type and it is commonplace to see the debate pitched as ‘Active Vs. Passive’. In reality, most investors will have a blend of the two investment types which form part of their overall investment[…]

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At PAS Financial Planning we specialise in providing investment, retirement and estate planning solutions for our valued clients and we are here to provide guidance, counsel and direction to aid you in achieving your financial objectives. However, we also consider it is important that our clients have a basic understanding of the fundamental investment principles[…]

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In an attempt to control the cost of Pension tax relief, with effect from the 2016-2017 tax year, a reduced Annual Allowance became applicable to all Pension savings by or on behalf of a member depending on their level of taxable income within a given tax year. On 6th April 2016 the government initially announced[…]

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Flexible drawdown is a way of accessing pension savings flexibly, it is allowable to draw out as much or as little income as is required. The whole pension fund can therefore be drawn as one single payment which is taxed as income at an individual’s highest marginal rate. The residual fund after payment of any[…]

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An Annual Allowance for pension savings applies each year which is based on a pension input period (PIP). Since the Emergency Budget in July 2015 PIPs were adjusted to align with the tax year – i.e. commencing on 6th April in one year and ending on the 5th April during the following year. The Annual[…]

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