Investing for your future
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News in Review
The IMF has cut global growth forecasts, citing US tariffs and rising uncertainty. UK manufacturing stagnated and consumer confidence plunged due to cost increases. A property rush in March briefly lifted housing activity ahead of a return to higher levels of Stamp Duty.
Your pension and IHT
Plans to include unused pension funds and death benefits within the value of estates for IHT purposes, were announced during the Autumn Budget 2024. This came as a surprise, particularly to those who have worked hard to build a pension as a tax-efficient way to pass wealth on to loved ones.
Stamp Duty changes – tune in
From 1 April 2025, Stamp Duty Land Tax (SDLT) rates will revert to pre-September 2022 levels. First-time buyers will start paying SDLT on properties over £300,000, while all other buyers will pay on homes valued above £125,000. It’s important for buyers to factor in these changes when planning a property purchase.
Policy U-turn prompts market upswing
Following a remarkable week of tariff trauma, on Wednesday President Trump took to social media to announce a 90-day pause on most of the tariffs announced last week and a substantial lowering of Reciprocal Tariffs, to be agreed during this period.
Kickstart the new tax year with confidence
With proactive tax planning and disciplined habits, you can build a stronger financial foundation and make informed decisions that align with your long-term goals. With the new tax year allowances in place, now is the time to make smart financial decisions.
Spring tips for UK homebuyers
Spring brings more listings and competitive pricing, with 70% of homes listed in February and March completing quickly. Buyers benefit from stable mortgage rates (4.75%) and a wider selection of homes, averaging 51 days to sell. Early preparation, including securing a mortgage agreement, is essential. Researching local prices ensures informed decisions in a competitive market.
Let’s get you sleeping better
If you’re losing sleep over your finances, you’re not the only one. According to research, nearly half (45%) of UK adults are lying awake at night because they’re worrying about money.
Using your pension to pass on wealth
If you thought your pension was just your retirement savings then think again.