It is a fairly cliched saying, but you really shouldn’t “put all your eggs in one basket”. During times of volatility and uncertainty, having a wide and diversified spread of investments, savings and assets is often the best approach to minimise risk to your overall wealth. If you were to only invest your money into […]
It is often hard to achieve the rewards of investment without taking on a little risk. However, how much of your wealth you are willing to risk will often differ at different stages of your life. When it comes to risk, everyone is different. For some a calculated risk with the chance of higher return […]
Lots of landlords and property investors, including many people investing to supplement their retirement income, have been able to enter the property market over the last decade thanks to buy-to-let. The ability to get an affordable buy-to-let mortgage has opened up the door to many people who would have otherwise considered property investment too costly […]
Inflation has been described as paying £15 for the £10 haircut you used to get for £5 when you had hair. It is soaring at the moment and leaves business owners facing real problems. If they increase their prices, they risk losing customers, but if they peg prices, they put their profits and potentially their […]
The season of goodwill is just around the corner as Christmas approaches. It is a time of year when employers look to reward their staff for their efforts throughout the year. But they should be aware that certain tax, National Insurance and reporting obligations could apply. We want to ensure that you enjoy the festive […]
The status of IR35 or off-payroll working has caused some confusion since the repeals to reforms put forward by former Chancellor Kwasi Kwarteng were subsequently scrapped by new Chancellor Jeremy Hunt. IR35 is tax legislation designed to deal with a form of tax avoidance known as disguised remuneration, where individuals attempt to avoid paying the […]
Card payments rocketed during the pandemic and that trend has continued since then. According to figures from the British Retail Consortium (BRC), card payments account for four out of every five payments made. But as consumers switch, the soaring cost of accepting card payments is hitting retailers and adding to the cost of doing business. […]
If you are an owner of a limited company, taking money out of your business using dividends is a mainstay of effective tax planning, thanks to an additional £2,000 annual allowance and lower rates than apply when taking money in the form of salary. However, there are restrictions on the circumstances in which a limited […]
Investing in property can still provide a strong return, but it needs careful planning to achieve the best outcomes. Just buying new properties without a clear strategy would be risky. While it is true that rates of interest continue to increase, as do many of the costs associated with being a landlord, with the correct […]
Surrey-based accountancy firm TWP says the decision to freeze and reduce personal tax reliefs, thresholds and allowances in the Autumn Statement will have a significant impact on many taxpayers. Faced with the challenge of inflation, rising energy costs and higher interest rates, as well as an economy weakened in recent months by world events and […]
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