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The auto-enrolment process is highly complex. Firms will need to implement a scheme by a particular date, called their “staging date” which is determined by their payroll size in 2012. To do this, you need to assess which employees will need to be enrolled in the scheme and this is based on employees’ ages, wages […]Read More
Inheritance Tax of £170 000 each was payable in the year 2012-13 by estates according to HM Revenue and Customs. This is a 15% increase to the previous 12 months. You work so hard throughout your lifetime the last thing you want is for your beneficiaries to pay a potential 40% tax charge on your […]Read More
For a number of years we have offered clients the ability to invest in a Sharia compliant manner. In addition to a number of Sharia compliant funds already mentioned in previous posts such as HSBC Amanah, Aberdeen Global Islamic Equity for now have funds specifically for the emerging market. A lot of Analyst are indicating […]Read More
We have set-up numerous auto enrolment workplace pension for all types of business over the past 18 months and the following are questions regularly asked:- Who qualifies? An employee will be automatically enrolled into the pension scheme if:- are age at least 22 are under state retirement age earn more than £10K work predominately in […]Read More
It is now a legal requirement for ALL employers to auto-enrol employees into workplace pension schemes. If you start date is fast approach and we are presently offering to deliver a free presentation to your staff which will aim to educate you on the proposed changes. Areas to be covered are:- • What does Auto […]Read More
There are a three options when couples divorce, divorce settlement, earmarking, offsetting or sharing; I have explained them in detail below:- PENSION SHARING With Pension sharing a court order is issued splitting the members pension by a specific percentage. This then creates potential future pension debit on the members pension benefits. OFFSETTING This is the […]Read More
Only 25% of your pension fund is tax free (pension commencement lump sum); the remaining is taxable and subject to income tax. For your information, the emergency tax code we will use for 2015/16 is 1060L on a month 1 basis. Code 1060L month 1 taxes individual payments at the following rates: On the first […]Read More
The Chancellors budget on 19 March 2014 paved the way for change in the way people accessed their pension savings. At retirement you can now decide how much you want from your pension fund in a particular tax year. You may take all your 25% Pension Commencement Lump Sum and designate the rest of the […]Read More
The Pensions Regulator has sent out 198 foxed penalty notices to employers for the first quarter of this year. Small to medium size businesses are now either implementing or getting their initial contact letter from the Pensions Regulator. It is the duty of the employer to initial register with the Pensions Regulator and begin the […]Read More
Most Sharia / Islamic investment and pensions will consists in the main of stocks and shares based funds. Over the past view months the stock market has broken previous records and been extremely buoyant for investors. However with the increased likelihood of a hung parliament comes uncertainty for financial markets – and as a result […]Read More
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