Pensions v ISAs: Tax relief makes a huge difference to your calculations
Weighing up pensions v ISAs: Tax relief is an essential part of the calculations and could mean your savings go…
Read more
Get your plans moving with an Individual Savings Account (ISA)
ISAs are simply a tax-efficient ‘wrapper’ that surrounds a specific investment. For example, a unit trust, shares or cash savings…
4 reasons you may want to boost your ISA before the tax year ends
If you’re preparing to take out a mortgage, working with a mortgage broker can be valuable. As well as helping…
The 2022/23 tax year ends on Wednesday the 5th of April
After this date, many allowances will reset, so it could be your last chance to use some of them.
Why it pays to use your 2022/23 ISA allowance right now
While you may be tempted to leave using your annual ISA allowance until the end of the tax year, using…
Pembroke Financial Money Wise Winter 2021 newsletter
In another lockdown, it can difficult to find reasons to be optimistic, but if you look a little closer there…
Our Guide to Individual Savings Accounts (ISAs) for 2020
ISAs, or Individual Savings Accounts, have been around for over 20 years. Back in 1999, then Chancellor Gordon Brown introduced…
IFAs in Brighton recommend five ways to develop better spending habits
At a time of year even more focused on spending than usual, there are a few simple habits you can…
The Christmas financial gifts that keep on giving
Christmas is around the corner and adverts for toys and gadgets are everywhere. But have you thought of making a…
ISAs – Happy 20th birthday!!
ISAs celebrate their 20th birthday this April. If you haven’t reviewed yours in a while, this a good opportunity to…
Happy birthday to tax-free savings
It’s the 20th birthday for tax-free investment in ISAs. With the deadline for contributions approaching, have you made the most…
LISAs mauled by Select Committee – Should you invest before they disappear?
The Lifetime ISA (LISA) may not survive after low uptake by providers and fresh criticisms from parliament. The LISA has…
The benefits of early ISA investments
Don’t wait for the end of tax year reminders! There are advantages to planning your ISA investments at the beginning…
The ISA inheritance rules are simplified for couples from 6 April
Back in 2014 the then Chancellor of the Exchequer , George Osborne, announced that that Individual Savings Accounts (ISAs) would…
The deadline is approaching for using your ISA allowances
Your Individual Savings Account (ISA) allowances expire on 5th April and with a lower dividend allowance from 18/19, should you…
Are Cash ISAs losing favour?
In the world of ISAs, cash ISAs have long attracted more contributions than their stocks and shares counterpart. However, new…
A Junior ISA with a minor interest rate!
National Savings and Investments (NS&I) have entered the Junior ISA market. In 2011, the Junior ISA (JISA) was introduced as…
The Pembroke Financial Services Guide to Making the Most of ISAs
ISAs have become a key component of an IFAs’ savings and investment plans for clients. With the addition of new…
Still time for tax year end planning
Proper tax year end planning can still reduce your tax bill. Here are a few quick suggestions; Maximise your ISA…