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Are you missing out on tax relief for your pension contributions? A ‘Supplementary forecast information release’ from the Office for Budget Responsibility (OBR) on ‘Costing of charging NICs on salary sacrificed pension contributions’ may sound like a cure for insomnia. It is certainly not short of acronyms beloved of pension nerds, such as OpRA, RAS […]
As a means of drawing income in retirement, annuities have made a comeback, and for good reasons. In 2014, the then Chancellor (and now podcaster), George Osborne, pulled a rabbit out of the Budget hat that nobody had seen coming. He announced the ending of the effective requirement for personal pension plans to be converted […]
New research from the Office for National Statistics casts a different light on life expectancy. “How long am I going to live?’ is one of those questions that we tend to pay more attention to, the older we are. One quick way to find an answer is to use the Office for National Statistics (ONS) […]
There comes a time when you stop working for your money and put your money to work for you. For most people, that is at retirement. The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you […]
The Autumn Budget (at the end of November 2025) announced important changes to come for individual savings accounts (ISAs) from April 2027, but you may not be affected. November’s Budget announced a range of changes to ISAs, the full extent of which did not become clear immediately. While the Office for Budget Responsibility (OBR) managed […]
The Government made a surprise tax announcement in late December 2025 when the country’s attention was otherwise engaged. ‘A good day to bury bad news’ is a notorious political phrase that still rings true. More than two decades later, it seems that the UK Government’s communication strategies often cloud rather than clarify awkward news. December […]