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Should I invest my money or pay off my debts?

You may have some spare money some surplus income. Either way, you might be thinking about what is best to do with this. Is it better to invest or repay your debts early? Paying off your debt could mean means reduced stress, and a greater ability to withstand personal emergencies, recessions, and depressions. Investing means

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Should I still be investing in Commercial Property?

The Financial Conduct Authority (FCA) is floating the idea of new rules designed to improve investor experiences in open-ended UK Commercial Property Funds. Most are currently suspended due to uncertainties on the value of the properties because of the COVID pandemic. In the past, they have placed restrictions on withdrawals due to a lack of

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What is a Discounted Gift Trust?

The discounted gift scheme is an arrangement which allows you to make a gift for inheritance tax (IHT) purposes while retaining the right to a fixed income (in the form of regular withdrawals) for your lifetime (or until the trust fund is exhausted). Firstly, from the amount of capital which is to be gifted you

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How can invest for a child?

Investing for the financial future of children and grandchildren are key areas of concern for parents and grandparents. This can be for various reasons including funding education or helping them to buy a house in the future. There are special rules to consider when investments are made for the benefit of, or on behalf of,

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Am I better off managing my portfolio myself?

DIY investors now have unprecedented access to investment information and markets. This has levelled the informational playing field between them and professional investors. Even though you may have the tools to do manage your own portfolio, should you go down the DIY route? What you need to be a successful investor Time and interest You

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Is Capital Gains Tax going to increase?

On 14 July it emerged the Chancellor had written a letter to the Office of Tax Simplification (OTS) requesting it ‘undertake a review of Capital Gains Tax (CGT)’. Curiously, there was no announcement of the letter on the Treasury website. The tone of the correspondence is distinctly different from Mr Hammond’s letter requesting a simplification

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Can investing into a VCT help me?

Venture Capital Trusts (VCTs) have always been viewed as highly useful when looking at someone’s tax planning. Over time VCTs have become more mainstream and for certain clients are just another way to invest tax efficiently. VCTs are publicly-listed companies which invest money in small UK businesses who are not quoted on the main stock

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