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i Sverige
31 mar kl 23:22
 Radera
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'Start by sharing some personal information and building a small degree of trust; even if these relationships don't ever make it into a 'friend' zone,'They are magical places to explore and I find myself returning to them often. cover wide areas and provide endless possibilities for the keen landscape photographer.The implication is stark: the emphasis has been unceremoniously shifted on us, etc. or is an Isa a better way to save if you're a 20% taxpayer Stuart Fowler an independent financial adviser at No Monkey Business says a lot comes down to how much you value having access to your cash Remember any money saved into a pension can't be accessed before age 55 Fowler says: 'Valuing access is not just about where you can get your hands on money when you need it in an emergency but also how you deliberately plan the priorities between different financial goals ?C you can always catch up with pension later in life but you can't postpone rearing children beyond your biological clock'Those on lower incomes but with some money to save should look to Isas as their first port of call Fowler says Crucially he adds a pension holds significantly more benefit if you're paying at a lower tax rate when claiming your income in retirement than when you put cash in This might seem clear cut ?C if you're a basic rate taxpayer now you're extremely unlikely to have an income of 40000 plus when you retire - but there's more to itGet 20% tax-back. and keep itVince Smith-Hughes a retirement income expert at Prudential says that a couple can keep their tax relief for good if they use their personal allowances wisely At current levels someone aged between 64 and 75 can have an income of 9940 tax-free After the state pension is deducted ?C currently around 5300 ?C they can still earn 4640 without paying any tax whatsoeverFor a couple that means an income of 9280 before any tax is paid To achieve this they could pay into separate individual pensions each accruing pots worth 150000 by retirement and not paying a single iota in tax at today's rates They will have got 20% tax relief when they paid into the pension (paying in 80 gets converted into 100 by the Government as a rebate) and they won't have paid tax on the way outAside from the often levelled claim that they would say that because independent financial advisers have an interest in promoting pension and investment products this does explain why IFAs like Tony Catt of True Potential reckon pensions tax relief is 'still worth taking' for basic rate taxpayers Alistair Cunningham director of Wingate Financial Planning points out that the total pot size could be even greater before tax is paid in retirement because 25% of your total pension pot can be taken as a tax-free lump sum at retirement which doesn't count towards your personal allowanceGot the discipline Try an IsaMost experts agree the question hinges on restraint and discipline for 20% taxpayers If you can learn to leave cash in an Isa alone Cunningham says they're the best solution He says: 'The optimum situation is to save into Isas as a basic rate taxpayer and hopefully use the new more flexible pension rules [] to top-up pension savings later in life when individuals are more likely to pay higher rate tax'Jaskarn Pawar an adviser at Investor Profile also believes Isas are more suitable for 20% taxpayers 'Generally I think an Isa is better when saving for retirement' he says 'You can invest quickly easily at low cost and then draw a tax free income for life without having to give up the capital value of your pension pot The annual allowance shouldn't really be an issue for most as basic rate taxpayers are unlikely to have more than 890 per month [the current Isa limit] to invest anyway' Isas have a 10680 limit for the April 2011 to April 2012 tax year This increases annually with inflationSavers can either invest a maximum of 5340 in a cash Isa (a tax-free savings account) put the full 10680 into a stocks and shares Isa picking their own fund and share investments or split their allowance between the two Andrew Swallow a chartered financial planner at Swallow Financial Planning says those aged 40 or below should stick to Isas simply because they might need the cash in emergencies - Isas are designed to be accessible wheneverThe dangers of relying on IsasDespite the benefits Matt Rich an adviser at Alan Seward warns of serious dangers in 20% taxpayers relying solely on Isas Like many other advisers he says the age 55 restriction on drawing cash out of a pension is actually an excellent safeguard - it forces you to leave your retirement savings alone He says: 'The low and middle income earners are in many ways exactly the people who shouldn't access their retirement investments until they are 55 'It's all very well having the flexibility with Isas and other investments to access the money whenever you want but this isn't helpful to people planning for their retirement It's all too tempting to take the money out and spend it on other things leaving you with an empty pot Wealthier individuals may be able to afford this but most basic rate tax payers cannotTom McPhail of Hargreaves Lansdown agrees The danger is you're left without a sustainable income having dipped into your savings pot too often He says: 'Using an Isa to save for retirement may well be a good idea for many people but it should be seen as complementary to pension saving rather than a substitute; the pension should be used as the core of most people's retirement provision whether they are a basic or a higher rate taxpayer'Joss Harwood a chartered financial planner at Eldon and Patrick Connolly of AWD Chase de Vere echo this warning that savers shouldn't avoid putting all their eggs in one basket But Connolly says basic rate taxpayers should still place a 'greater emphasis' on IsasThe journalist,'Once gay people start taking drugs.??There is a danger they are turning into his Wigan team,Much has been made of Everton??s injury record since Martinez took charge, 3 February 2015Tinder is set to launch its much awaited 'Tinder Plus' app allowing users to 'undo' accidental deletes in the US within weeks.'Instead, That the combination of rock-bottom interest rates and QE depreciates sterling is not a stated objective of the Bank but it is a 'bonus' much-welcomed by the Bank, the pound might rather be tainted by its financial proximity and economic dependency on to the single currency bloc.
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