Blog

National Savings and Investments (NS&I) cuts interest rates
Apr 25/04/2016

We know many of our clients save with NS&I. In a time of lower interest rates with banks and building societies, this is a blow to anyone holding accounts with NS&I.

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Income Tax Personal Allowances- 2016/17
Apr 25/04/2016

The personal allowances from 6 April 2016 are as follows...

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Changes to interest on savings- Personal Savings Allowance (PSA)
Apr 25/04/2016

These changes mean that most people will no longer pay tax on savings interest. Banks and building societies will stop deducting tax from your account interest.

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Budget and Pensions April 2016
Apr 07/04/2016

There were no major changes to pensions in the Budget, apart from the introduction of Lifetime ISAs. Below is a summary of the previous announcements, taking effect from 6 April 2016, and the changes announced in the budget.

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New Inheritance Tax (IHT) Threshold - Effective April 2017
Apr 06/04/2016

The Government introduced a new IHT nil rate band in the 2015 Summer Budget of up to £175,000 per individual (i.e. a further £350,000 for a married couple) where the family home is passed to children or grandchildren. Although this allowance will not become available until 6 April 2017, it will also be phased in, starting at only £100,000.

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Retail Charity Bond
Apr 04/04/2016

At Castlefield we aim to reflect client values in investment decisions and this approach is exemplified with the recent purchase of the latest offering from the Retail Charity Bonds (RCB) platform. For those unfamiliar with Retail Charity Bonds, they provide the opportunity for both smaller issuers and investors to access the bond market. This is of particular importance to charities as borrowings can be hugely beneficial for furthering projects.

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Buy-to-Let Update
Mar 31/03/2016

As financial advisers we are often asked to comment on whether potential investors should buy a property to let or invest money into investment markets. Whether you decide to invest your money in an investment portfolio (other terms include: collectives, unit trusts, bonds, discretionary managed portfolio) or to purchase a rental property (buy-to-let) will depend on your objectives. Both types of investment can provide an income or capital growth, but come with their own benefits and risks. Due to over-inflated house prices in much of the country, with many people struggling to afford their first home, the Government is looking at ways to discourage the buy-to-let investor through tax changes, as well as making tax more beneficial for the investor with a reduction in income tax and capital gains tax on investments.

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The Chancellor announces the Lifetime ISA
Mar 31/03/2016

Helen Tandy (Partner, Castlefield Advisory Partners) From 6 April 2017, the Government will introduce a brand new option for savers between 18 and 40 years of age, branded as the Lifetime ISA. The age cap counts me out but I am lucky enough to have been able to get on the property ladder at age 18, with the help of my Nationwide staff rate mortgage. I do not expect my 19 year old son, who is currently at University, to be buying a property any time soon. The main downside of pensions for many has been the lack of flexibility, and whilst some of the restrictions were lifted in the last Budget, the features of the Lifetime ISA may be designed to appeal to more people.

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The Budget and Capital Gains Tax changes
Mar 31/03/2016

Capital gains tax (CGT) is charged on the annual profit made from the sale of assets, e.g. shares or a second home - if the total profit is greater than an individual's current CGT allowance.

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A 'decoupling' that is good news for all of us
Mar 30/03/2016

It may sound a bit geeky to celebrate new data from the International Energy Agency (IEA), but last week’s announcement that global carbon emissions had flat-lined for the second year in a row is a major milestone for anyone who wants to see both rising prosperity and a thriving planet. It is a significant announcement because it is the first time emissions have stalled, while the global economy has continued to grow. Over the last 40 years emissions have only stalled or fallen during economic downturns (see figure 1 below).[1] Because, in times of economic growth, when people have more money, they tend to drive or fly more, while businesses build new facilities and factories – all of which takes energy. Increased energy use has historically meant increased emissions. But things have changed.

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Read our 2020 Voting Guidelines

As investors, we vote at company AGMs. It’s a responsibility we take seriously. Read the updated Voting Guidelines.

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Get in touch with our team

We’re available by phone and email, but most of all in person to provide expert advice and assistance.

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Climate Change in a Covid-19 World

How climate change risks sliding down the political agenda due to COVID-19 and what investors can do about it.

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