Often described as the Gold Standard of pension schemes, these provide guaranteed benefits to those lucky enough to have them. However, guarantees are only as good as the organisation giving them and only worthwhile if they are relevant to you. ...more
EQ is a full range financial advisory firm. We strongly believe that most people value the benefits of personal advice when dealing with their life savings. In this section we highlight some articles and case studies written by our award-winning technical team.
Retirement PlanningUsing your savings well in retirement is one of the great challenges. The articles below highlight some of the most common issues.
The maximum amount you can save into a pension (without a tax penalty) has reduced steadily since 2006. Find out how this could affect you – and what you can do about it. ...more
This article explains the pros and cons of Income Drawdown and what this could mean for your retirement planning under the new pension freedom rules. ...more
Annuities often get a bad press but they remain the only instrument that is guaranteed to provide an income for the rest of your life ...more
Many people do not think about writing a will until later in life, but especially for those with children we recommend doing this as soon as possible. ...more
For many years this has been largely a philosophical question, or a quandary for actuaries at insurance companies. However in the new world of pension flexibility in which an annuity is no longer compulsory it has become a critical question: which will last longer – our money or our life? ...more
Tax PlanningTax can have a seriously negative impact on your investment returns, so it's well worth making full use of the various allowances and avoiding some tax traps.
How much tax do we pay? This page summarises the main rates and allowances. The current tax year runs from 6 April 2017 to 5 April 2018. ...more
Making optimal use of tax allowances is essential for maximising your returns but you also need to take account of other factors such as flexibility if your plans change. In this analysis we show the pros and cons of the three most common types of investment account. ...more
Careful allocation of income and assets between couples can result in significant tax savings. ...more
An often overlooked allowance is your annual Capital Gains Tax allowance. ...more
Unsuccessful EIS & SEIS investments are eligible for Loss Relief whilst the winners incur no CGT. Consequently a portfolio of winners and losers can produce a better return than one where the returns are identical. ...more
ISA tax benefits are all in the future but they can be considerable, especially for Higher and Additional Rate taxpayers ...more