Mowatt Financial Planning

It pays to shop around!

2012-01-23T09:04:00.000-08:00

Buying an annuity with your pension fund is an important decision. The problem is that not enough people consider their options and make sure they get the right annuity for their situation. Clearly one factor is making sure that you get good value when you but an annuity. MGM Advantage, a retirement specialist company, have just published the findings from their Annuity Index.

The index shows that annuity rates have been falling since 2009. This means that the income that you could get from your pension has fallen over this period. The actual fall in the index from June 2009 is 9.3%.

The tables below shows different comparisons of the income available from a pension pot of £50,000.

Table 1

	Average standard annuity (per annum)	Average enhanced annuity (per annum)	Percentage difference	Difference over the first 5 years of retirement	Difference over an average retirement
Men	£2,929.17	£3,560.93	21.57%	£3,158.80	£10,739.92
Women	£2,771.46	£3,357.43	21.14%	£2,929.85	£11,719.40

An enhanced annuity is essentially an annuity where the amount of income takes account of factors such as lifestyle and medical conditions. As a result the amount of income is higher (enhanced). Obviously the enhancement will depend on personal circumstances but the table shows the importance of checking to see whether you are eligible for enhanced terms or not.

Table 2

	Top quartile average rate (per annum)	Bottom quartile average rate (per annum)	Percentage difference	Difference over the first 5 years of retirement	Difference over an average retirement
Men	£3,237.56	£2,711.26	19.41%	£2,631.50	£8,947.10
Women	£3,038.56	£2,500.30	21.53%	£2,691.30	£10,765.20

This table shows the comparison of a top quartile rate against a bottom quartile one (no enhanced terms). If your pension is with a company whose annuity rates are not competitive, you are in danger of losing out on a significant amount of income. When you decide to buy an annuity, you don't need to buy it from the company who is managing your pension. In fact it is vital that you shop around to see if you can get a better deal.

Table 3

	Top quartile average rate (per annum)	Bottom quartile average rate (per annum)	Percentage difference	Difference over the first 5 years of retirement	Difference over an average retirement
Men	£3,943.47	£3,035.54	29.91%	£4,539.65	£15,434.81
Women	£3,644.64	£2,923.68	24.66%	£3,604.80	£14,419.20

In this case, the comparison is similar to Table 2 but is based on an individual who qualifies for enhanced terms. Once again, the table shows the importance of shopping around.

These tables provided by MGM Advantage show the importance of shopping around when you are buying an annuity with your pension fund. There is no reason to not seek out the best rate and make the most of your pension fund.

Please contact me on 01347 868196 or via the website if you would like to discuss any aspects of this article.

Inflation

2012-01-18T02:32:00.000-08:00

The latest inflation figures from the Office of National Statistics show that inflation in December has fallen. The CPI has fallen to 4.2% from 4.8% in December and the RPI has fallen to 4.8% down from 5.2%.

The biggest downward contributors to this change are petrol, gas and clothing with the only upward pressure being from landline and mobile phone charges. Of course prices are still going up, only not as quickly.

We can expect a further fall in January when the effect of the VAT increase has been included for a full year.

New Year Resolutions

2012-01-12T07:34:00.001-08:00

It’s estimated that more than 26 million Britons will be making New Year resolutions this year. If you are one of them, you will probably have made yours by now. However, making the resolution is one thing but actually sticking to it is quite a challenge. Typically 86% fall within the first 6 months and 41% are broken by the end of January.

According to a survey carried out by GoCompare, sorting out our finances is the most popular resolution for 2012; overtaking perennial favourites such as “losing weight” and “getting fit”. Nearly half of Britons (49%) say that sorting out finances/reducing outgoings is their top resolution ahead of Getting fit/taking more exercise (46%) and Losing Weight (45%).

A separate survey by first direct looks at the Biggest Financial Regrets and the table below shows the top 3 regrets for the 2011 and 2010 surveys.

2011		2010
Not saving enough	52%	Not paying off more of my debts	53%
Not paying off more of my debts	33%	Not paying into a pension	37%
Not paying into a pension	13%	Spending too much on run up to Xmas and gifts	18%

Your own circumstances will determine whether you are more interested in paying off your debt quicker or saving more. They are obviously linked as reducing or getting rid of debt should free up some of your income to allow you to save more. The sharp rise in people regretting not saving enough is probably linked to the continuing poor economic climate. It maybe that action already taken in paying off debt and spending less on gifts has reduced the number of people with regrets in these areas in 2011.

The fall in people regretting not paying into a pension is surprising. I can’t believe that much has actually changed between the two surveys although maybe some of this regret is included in the not saving enough category.

Moving on from this, the first direct survey also asks the areas of their finances that Britons are most unhappy with. Again the top 3 in 2010 and 2011 are shown in the table below.

2011		2010
Not taking advantage of tax free investments	87%	Credit card and loan debt	82%
Credit card and loan debt	84%	Pension provision	80%
Pension provision	82%	Not taking advantage of tax free investments	79%

Clearly there is a link with the previous table between not saving enough and not taking advantage of tax free investments. Again pensions are high up on the list as well as paying off credit card and loan debt.

Having a financial plan is a clear way of helping achieve a New Year resolution based on sorting out your finances, whatever that means in your particular circumstances. Typically a financial plan will start with your current circumstances: assets, liabilities, income and outgoings and will look at the actions which you will need to take to achieve your goals.

At the start I mentioned that the majority of resolutions fall in the first 6 months. One way of improving the success of your resolutions is to share them with a family member or a friend or a third party. In the case of your financial plans, a financial planner is in the ideal place to help with your resolutions and make that commitment much stronger.

If you would like to have a chat about your finances please give me a call on 01347 868196.

Best wishes in 2012.

December newsletter

2011-12-21T03:43:00.000-08:00

The December newsletter is now available looking at the performance of different asset categories over the last 12 months.

Financial Planning Week - Retirement

2011-11-23T08:21:00.000-08:00

The survey results today give some worrying indications of retirement planning in the Yorkshire region:

Over half (52%) of people in the Yorkshire region are not confident that they’ve saved enough to live comfortably when they retire, compared to 47% nationally.

Looking ahead to what age the panellists in the region think they will be able to afford to retire, 13% think they will “never” be able to compared to 10% nationally.

Retirement planning is about balancing “jam today” with “jam tomorrow”. Understand the right balance for you – not thinking about it risks jeopardising your future lifestyle and gives you less control on the choices which you have. Retirement is a significant milestone in your life which merits careful planning.

Develop a financial plan to help you get the balance right. This will give you confidence about what you need to do to have the retirement that you want, when you want.

Financial Planning Week - Saving

2011-11-22T01:41:00.000-08:00

Based on the survey carried out by the Institute of Financial Planning only 18% (less than one in five people) in the Yorkshire region believe that they are saving enough or more than enough for their future needs.

Regular savings is a great habit. If you already have money left over at the end of the month then it should be easy to start. If not, then see if you can create some room by finding some cost savings or by giving up something that you won't miss too much. It’s often easy to start off with a small amount and save regularly, over time it is surprising how this can build up.

Depending on your circumstances, you can start with something simple like a regular savings account. Check out moneyfacts or moneysavingexpert for current rates.

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

When asked about their day to day budgeting, it appears that many people in Yorkshire are feeling the pinch. 25% of people in the region are not even setting out a clear budget – the bedrock of any financial plan whilst half (50 %) reported that their household finances have got either a bit or much worse over the last six months.

The current problems in Greece show a stark example of the need to budget at a national level. The situation is no different at an individual level. With the high levels of inflation currently being experienced, things are unlikely to get better in the short term.

Make sure that you have a monthly budget and stick to it. Look for opportunities to cut costs: reduce debts when possible; shop around for a better utility deal (electricity, gas, telephone); shop around for cheaper insurance (home and car).

Financial Planning Week

2011-11-21T02:54:00.000-08:00

Today is the start of Financial Planning week. The Institute of Financial Planning has run this for 4 years now. The idea is to raise the awareness of financial planning and how this can help achieve you goals.

There are tips and guidance on the IFP website.

I've also prepared a video that helps breakdown the financial planning process - a bit like developing a property: Design, Build, Maintain.

The power of dividends

2011-10-18T01:37:00.000-07:00

In these volatile times, it's important to remember that share performance is not just about the index level.

Each week, the Sunday Times provides FTSE 100 performance with and without the impact of dividends. The table below shows the relevant figures from September and October. The figures in brackets include the impact of dividends.

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

The table shows that over time the impact of dividends becomes more and more significant. Without dividends, the 10 year figures are pretty woeful but with dividends they begin to look more respectable.

Equity Markets

2011-08-08T05:56:00.000-07:00

The last few days have seen some dramatic falls in equity markets around the world. It's difficult even impossible to know when the markets have bottomed. However, the chart below, known as an Overbought/Oversold index is quite interesting. Basically the chart is designed to show the relative position of the index closing price over a given period based on a mathematical formula.

The above chart is for the UK Equity market and on this measure shows that the market is currently oversold. Only time will tell how oversold the market is but in the longer term the current period is likely to represent an index low. For existing portfolios, it's time to sit tight and let the markets recover.

Thanks to Brewin Dolphin for the chart.

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

Last week the Commission on Funding of Care and Support led by Andrew Dilnot published the Fairer Care Funding report.

The underlying issues are the uncertainty of care costs for individuals and the complexity and unfairness of the current system.

The key proposals are:

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

The report is very welcome. The need to bring greater certainty to the costs of long term care is significant. The proposals as they stand are estimated at £1.7 billion in 2010/11.

Personally I think that the proposals should be cost neutral as much of the current wealth is held by the older population. However, the important thing is to get political consensus on the reform and to get on and do it.

The next step is likely to be a White Paper later this year.

Inflation

2011-07-18T01:19:00.000-07:00

The inflation rates for June were published last week. Rates have in fact shown a slight fall from levels in May with CPI at 4.2% (down from 4.5% in May) and RPI at 5.0% (down from 5.2% in May).

The main drivers behind the June inflation figures were from Recreation and Culture where prices fell between May and June this year whereas they went up last year.

Generally this was a bit of a surprise and the expectation is that inflation is likely to go back up again and stay high for the rest of the year.

As ever, the actual inflation experienced by individuals is likely to feel different. According to research by Alliance Trust, inflation for those aged between 64 and 74 is 5.1%. The reason for this is that pensioners will have more of their living costs on heating and food where inflation is going up than games and electrical goods where inflation has fallen.

Inflation

2011-06-14T06:13:00.001-07:00

May's inflation figures have just been announced today with no change in CPI (4.5%) or RPI (5.2%). Full details are available on the Office of National Statistics site.

Interestingly, Hargreaves Lansdown have done some calculations around index-linked annuities. An index-linked annuity bought with a pension fund will give a guaranteed income for life which is inflation proof. In principle, it's a good idea but as the HL analysis shows there's more to it.

The RPI would need to average 4% over 20 years for an index-linked annuity to match a level annuity. If inflation was 3% it would take 31 years for a 65 year old man. This is probably why index-linked annuities are not that popular when individuals choose their annuity.

Another option which I think can often make sense is an investment linked annuity. This gives the potential to grow income if the underlying funds grow but do not come with an inflation linked guarantee.

In practice, it is sensible to look at the bigger picture and consider all sources of retirement income before making a choice.

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

One of the ways of paying for long term care is to buy an annuity. The price of buying the annuity will take account of the health of the annuitant and can be tax efficient if the payments are made directly to the care home.

The benefits of buying an annuity are that this secures a guaranteed income for life meaning that the estate is protected for the part of the care fees covered by the annuity if the individual ends up paying care fees for a long period of time.

As an example, an annuity costing £100,000 would provide income of £25,378 a year to an 85 year old man with poor memory and balance who requires help with most activities. Clearly if this individual lives for over 4 years the estate will begin to benefit from the insurance provided by the annuity. For a female aged 85 with the same conditions, the annual income would be £18,739.

I recently had a client who had to go into care and it was possible to have the purchased life annuity that she already had paid direct to the care home. This meant that there was no longer any tax to be paid on the income payments.

Inflation

2011-05-17T02:35:00.000-07:00

The latest inflation figures released today for March show CPI going up to 4.5% from 4.1% and RPI going down from 5.4% to 5.3%. See more detail on the ONS site.

The main difference between the two measures are the costs included (RPI includes mortgage interest and other housing costs) and the method of calculation (RPI excludes the highest earners and some pensioners dependent mainly on state benefits).

According to the Bank of England Quarterly Inflation Report, the outlook for inflation remains high for the remainder of the year and above the target of 2% in 2012. The view is that inflation is then likley to fall through 2012 into 2013.

The chart to the right shows the Bank of England inflation projection.

Clearly the inflation rate is more uncertain the further away the forecast.

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Last week National Savings & Investments relaunched a 5 year index-linked savings certificate. There should be a place for them in most portfolios.

They are not quite as good as the previous issue: lower interest rate above inflation (0.5% on average) and only 5 year term available. However, they can be cashed in before the end of the 5 years.

The interest is as follows:

Year 1 RPI plus 0.25%
Year 2 RPI plus 0.35%
Year 3 RPI plus 0.4%
Year 4 RPI plus 0.65%
Year 5 RPI plus 0.86%

The proceeds are tax free.

Although you might be able to get a better deal on a fixed term bond, with these you know you are protected against inflation.

The big unknown is what will happen with inflation. Currently the RPI is at 5.3% and the expectation is it will stay high for some time before it falls.

The comparison below shows how the return might vary under different inflation scenarios and also shows the return against a 5 year fixed term bond and a variable rate savings account.

Returns are for an initial investment of £5,000 and represent the value at the end of the 5 year period.

The returns under the index-linked savings certificates vary from £5,909 to £6,291 under the different inflation scenarios. Importantly there will be no tax to pay.

The returns under the 5 year fixed term bond are £6,095 (net of basic rate tax) and £6,397 for a non-tax payer.

The forecast returns under a variable rate savings account vary between £5,944 and £6,200 for a non-tax payer.

I believe it's a good idea to hedge your bets and with the uncertainty of exactly where inflation will go, index-linked savings certificates are a good option for some savings where the goal is 5 to 6 years away.

Assumptions:
Scenario 1: Inflation of 5%, 3.5%, 3%, 3%, and 3% over the next 5 years.
Scenario 2: Inflation of 5%, 3.5%, 2%, 2%, and 2% over the next 5 years.
Scenario 3: Inflation of 5%, 4%, 4%, 4%, and 4% over the next 5 years.
Fixed rate 5.05% (currently available from Birmingham Midshires)
Variable rate: 3%, 4%, 5%, 5%, 5%

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

One of the great uncertainties of later life is health and as a consequence the need for long term care. The cost of care can vary enormously depending on whether it is provided at home, or in a residential or nursing care home.

I've just written an article which considers the ways in which long term care can be funded. See Funding Long Term Care.

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

As it is now the 2011/12 tax year there are a number of changes which have been introduced which affect how you are taxed. I've outlined the main ones below:

Personal Allowance
This is the amount of income you can earn with out paying tax. This has increased to £7,475 (from £6,475) if you are under 65 and to £9,940 if you are aged 65 to 74 and £10,090 if you are 75 or older. So far so good.

Income Tax
There are currently 3 tax bands, 20%, 40% and 50% and the bands to which they apply have also changed. These apply to your earnings after deducting your personal allowance.

20% (£1 - £35,000)
40% (£35,001 - £150,000)
50% (over £150,000)

National Insurance Contributions
The employee contribution has increased by 1% from 6th April.

The overall impact of these changes is that you are likely to be better off if you are earning £42,475 or less whilst you will start being worse off beyond this as more earnings will be caught by the 40% tax band.

If you want to check for yourself there is a tool on moneysavingexpert.com to do this.

Capital Gains Tax
If you make a capital gain on an investment the annual allowance (the part of the gain exempt from tax) has risen to £10,600. Any gain above this will be taxed at 18% or 28% depending on your marginal rate.

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

There are only a few days left to use your Stocks and Shares ISA allowance for the tax year ending on the 5th April. The allowance is £10,200 less any money that you have already paid into a Cash ISA.

I have created model portfolios (a mix of different investment funds) covering investments in Bonds, Property and Equity to fit most risk levels.

If you want to find out a bit more about how this would work click here.

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

With just over 5 days left, there is not much time left to use this year's ISA allowance if you haven't already done so. In fact it's already too late with some of the banks.

I've updated the accounts currently available as well as the deadlines for applications. Click here to check them out.

Both the Santander and the Barclays ISAs offer links to the bank base rate for 12 months. This means that if the bank base rate goes up as is expected at some point during the year so will the interest rate on your ISA. As always you should shop around in 12 months time.

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Only 8 days to the end of the tax year.

I've updated the best of the Cash ISA rates that are currently available. Click here to see the rates

Nothing really new this week although it is woth noting that two of the Cash ISAs mentioned are offering links to the bank base rate. This will offer some protection if base rates go up.

Unfortuantely with inflation at 4.4% none of these rates are offering a real return.

Budget

2011-03-25T01:49:00.000-07:00

Not surprisngly there wasn't a lot in this week's budget. From a financial planning point of view there were a few areas of interest:

Personal allowance
This is on a journey to reach £10,000 at some point in the future. From 6th April this year, it will increase to £7,475 but this is not intended to benefit higher rate tax payers so at the same time the higher rate tax band will apply to taxable earnings over £35,000 (previously £37,400). It's estimated by the IFS that this will create 750,000 new higher rate tax payers.

This was all known already. The new announcement in the budget was that the personal allowance will increase to £8,105 from 6th April 2012.

Tax and National Insurance
The chancellor announced there would be a review of these with the aim of merging them and creating a simpler tax system. This sounds good in theory but will be tricky in practice. I don't think this will see the light of day before the next election as it is potentially fraught with negative public perception.

Enterprise Investment Schemes
The tax relief on these schemes which are seen to be at the higher end of the risk spectrum will rise to 30% from 20% from 6th April 2012.

Inheritance tax
The inheritance tax rate (40%) will be reduced by 10% for those that leave 10% of their estate to charity.

Index Linked National Savings Certificates
These are 3 to 5 year savings that give returns linked to inflation. Unfortunately they were withdrawn last year at a time when they were much needed as the Government had sold enough. The intention is to reintroduce these in the next 12 months.

State Pensions
The state pension age is already increasing to 66 by 2020. The intention in future is to bring in a link with longevity to make future increases in state pension age more automatic. Sounds like a sensible idea.

In addition the intention is to introduce a flat rate state pension of £140 per week for new retirees. This will be subject to consultation.

Base Rate

2011-03-10T04:23:00.000-08:00

The bank of England base rate will remain at 0.5%. This is the decision of the Monetary Policy Committee which met this morning.

From what I have read and heard this is the right decision as increasing interest rates now could jeapordise the much needed recovery in the UK ecomony. Although inflation is currently running at 4.0% (January figures) this is largely as a result of VAT and the cost of goods such as fuel. An increase in interest rates would hit consumer spending power in an already fragile market.

Although it is hard to predict, assuming that the economy is showing the right growth pattern, an interest rate rise is likley within the next 12 months.

Annuity rates

2011-03-01T02:29:00.001-08:00

The European Court of Justice has ruled this morning that insurers can not charge different annuity rates between men and women on the basis that this is discriminatory. Wow!

This goes aginst the basic statistics which show that females are likely to live longer. The implication is that insurers will have to use the same annuity rate for males and females. Logically the average rate will be weighted towards males meaning that males will get poorer terms and females better. However, it is unlikely to be quite as simple as this.

The ruling which also affects other insurances such as life insurance and motor insurance will apply from 21 December 2012. I'm not sure what oppoprtunity the UK government has to appeal or opt out but it seems a surprising ruling.

With-profits

2011-02-09T08:12:00.000-08:00

With-profits is a particular type of investment that can be one of the investment options in an investment bond or a pension.

The terminology dates back to the origins of the mutual life insurance industry. In the beginning the policies sold were based on a premium being paid and the policyholder getting a guaranteed amount back. For example, this could be a life insurance policy or a savings policy. As time went by the prudence of the actuaries meant that a surplus was built up. As there were no shareholders, a mechanism for sharing this surplus evolved whereby certain policies participated in profits and these became known as with-profits policies.

The investment world has moved on significantly since these early days and in my opinion investors are generally better served by a fund or portfolio of funds which is designed to fit their risk appetite. What you get from a with-profits fund can vary widely from one provider to another. As an example, the Friends Provident with-profits fund had an equity content of 9% in 2009 whereas the Prudential fund had 50%. As an individual you have no control over this as it is at the discretion of the provider.

It is estimated that 25 million people own with-profits investments worth a massive £400 billion. This figure will include endowments as well as investment bonds and pensions.

It is a good idea to review the appropriateness of any with-profits investments that you have as there are often more appropriate options available for your individual circumstances.

Inflation

2012-01-18T02:32:00.000-08:00

New Year Resolutions

2012-01-12T07:34:00.001-08:00

A separate survey by first direct looks at the Biggest Financial Regrets and the table below shows the top 3 regrets for the 2011 and 2010 surveys.

2011		2010
Not saving enough	52%	Not paying off more of my debts	53%
Not paying off more of my debts	33%	Not paying into a pension	37%
Not paying into a pension	13%	Spending too much on run up to Xmas and gifts	18%

Moving on from this, the first direct survey also asks the areas of their finances that Britons are most unhappy with. Again the top 3 in 2010 and 2011 are shown in the table below.

2011		2010
Not taking advantage of tax free investments	87%	Credit card and loan debt	82%
Credit card and loan debt	84%	Pension provision	80%
Pension provision	82%	Not taking advantage of tax free investments	79%

If you would like to have a chat about your finances please give me a call on 01347 868196.

Best wishes in 2012.

December newsletter

2011-12-21T03:43:00.000-08:00

The December newsletter is now available looking at the performance of different asset categories over the last 12 months.

Financial Planning Week - Retirement

2011-11-23T08:21:00.000-08:00

The survey results today give some worrying indications of retirement planning in the Yorkshire region:

Over half (52%) of people in the Yorkshire region are not confident that they’ve saved enough to live comfortably when they retire, compared to 47% nationally.

Looking ahead to what age the panellists in the region think they will be able to afford to retire, 13% think they will “never” be able to compared to 10% nationally.

Develop a financial plan to help you get the balance right. This will give you confidence about what you need to do to have the retirement that you want, when you want.

Financial Planning Week - Saving

2011-11-22T01:41:00.000-08:00

Depending on your circumstances, you can start with something simple like a regular savings account. Check out moneyfacts or moneysavingexpert for current rates.

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

New Year Resolutions

2012-01-12T07:34:00.001-08:00

A separate survey by first direct looks at the Biggest Financial Regrets and the table below shows the top 3 regrets for the 2011 and 2010 surveys.

2011		2010
Not saving enough	52%	Not paying off more of my debts	53%
Not paying off more of my debts	33%	Not paying into a pension	37%
Not paying into a pension	13%	Spending too much on run up to Xmas and gifts	18%

Moving on from this, the first direct survey also asks the areas of their finances that Britons are most unhappy with. Again the top 3 in 2010 and 2011 are shown in the table below.

2011		2010
Not taking advantage of tax free investments	87%	Credit card and loan debt	82%
Credit card and loan debt	84%	Pension provision	80%
Pension provision	82%	Not taking advantage of tax free investments	79%

If you would like to have a chat about your finances please give me a call on 01347 868196.

Best wishes in 2012.

December newsletter

2011-12-21T03:43:00.000-08:00

The December newsletter is now available looking at the performance of different asset categories over the last 12 months.

Financial Planning Week - Retirement

2011-11-23T08:21:00.000-08:00

The survey results today give some worrying indications of retirement planning in the Yorkshire region:

Over half (52%) of people in the Yorkshire region are not confident that they’ve saved enough to live comfortably when they retire, compared to 47% nationally.

Looking ahead to what age the panellists in the region think they will be able to afford to retire, 13% think they will “never” be able to compared to 10% nationally.

Develop a financial plan to help you get the balance right. This will give you confidence about what you need to do to have the retirement that you want, when you want.

Financial Planning Week - Saving

2011-11-22T01:41:00.000-08:00

Depending on your circumstances, you can start with something simple like a regular savings account. Check out moneyfacts or moneysavingexpert for current rates.

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

December newsletter

2011-12-21T03:43:00.000-08:00

The December newsletter is now available looking at the performance of different asset categories over the last 12 months.

Financial Planning Week - Retirement

2011-11-23T08:21:00.000-08:00

The survey results today give some worrying indications of retirement planning in the Yorkshire region:

Over half (52%) of people in the Yorkshire region are not confident that they’ve saved enough to live comfortably when they retire, compared to 47% nationally.

Looking ahead to what age the panellists in the region think they will be able to afford to retire, 13% think they will “never” be able to compared to 10% nationally.

Develop a financial plan to help you get the balance right. This will give you confidence about what you need to do to have the retirement that you want, when you want.

Financial Planning Week - Saving

2011-11-22T01:41:00.000-08:00

Depending on your circumstances, you can start with something simple like a regular savings account. Check out moneyfacts or moneysavingexpert for current rates.

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Financial Planning Week - Retirement

2011-11-23T08:21:00.000-08:00

The survey results today give some worrying indications of retirement planning in the Yorkshire region:

Over half (52%) of people in the Yorkshire region are not confident that they’ve saved enough to live comfortably when they retire, compared to 47% nationally.

Looking ahead to what age the panellists in the region think they will be able to afford to retire, 13% think they will “never” be able to compared to 10% nationally.

Develop a financial plan to help you get the balance right. This will give you confidence about what you need to do to have the retirement that you want, when you want.

Financial Planning Week - Saving

2011-11-22T01:41:00.000-08:00

Depending on your circumstances, you can start with something simple like a regular savings account. Check out moneyfacts or moneysavingexpert for current rates.

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Financial Planning Week - Saving

2011-11-22T01:41:00.000-08:00

Depending on your circumstances, you can start with something simple like a regular savings account. Check out moneyfacts or moneysavingexpert for current rates.

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Financial Planning Week - Budgeting

2011-11-21T03:44:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Financial Planning Week

2011-11-21T02:54:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

The power of dividends

2011-10-18T01:37:00.000-07:00

Date	FTSE	1 year	3 year	5 year	10 year
16/10/11	5466	-6% (-2.8%)	26.9% (42.1%)	-12.2% (5.6%)	5% (49.3%)
18/9/11	5368	-3.7% (-0.4%)	6.2% (18.9%)	-9.2% (9.3%)	12.2% (59.6%)

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Equity Markets

2011-08-08T05:56:00.000-07:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Costs of Long Term Care

2011-07-18T01:44:00.001-07:00

A cap on the costs of care of £35,000. Beyond this the State will pay for the costs of care.
An increase in the upper assets threshold for means test to £100,000 from £23,250. This means that the State will continue to make a contribution up to assets of £100,000 rather than the current limit of £23,250.
A cap on general living costs such as food and accommodation in residential care of between £7,000 and £10,000.

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Inflation

2011-07-18T01:19:00.000-07:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Inflation

2011-06-14T06:13:00.001-07:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Long Term Care Annuities

2011-06-13T08:38:00.000-07:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Inflation

2011-05-17T02:35:00.000-07:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Index-linked savings certificates

2011-05-16T04:18:00.000-07:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Funding Long Term Care

2011-04-15T10:10:00.001-07:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

6th April - A new tax year

2011-04-06T02:24:00.000-07:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Stocks and Shares ISAs

2011-03-31T04:31:00.000-07:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Cash ISA Rates update

2011-03-31T04:00:00.000-07:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Cash ISA Rates

2011-03-28T06:32:00.000-07:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Budget

2011-03-25T01:49:00.000-07:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Base Rate

2011-03-10T04:23:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

Annuity rates

2011-03-01T02:29:00.001-08:00

With-profits

2011-02-09T08:12:00.000-08:00

With-profits

2011-02-09T08:12:00.000-08:00