Polestar Key Guides
Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. However, interest rates have finally started to rise (they are now the highest they have been for nearly a decade) and uncertainty in the housing market has reduced property prices, particularly across London and the south-East.
Despite these negatives, becoming a landlord may still be an appealing option given the perceived lack of good alternatives, with savings rates remaining low and restrictions on the amount that can be saved into a pension.
When Individual Savings Accounts (ISAs) first appeared in 1999, as a replacement for PEPs and TESSAs, they were a relatively straightforward offering. In the 19 years since, complication has set in. The point has now been reached where the May 2018 report on savings tax from the Office of Tax Simplification (OTS) suggested that “there is scope for a wider full review of the current ISA landscape, to make the regime simpler and more accessible”.
The government’s website says there are only four types of ISA – cash ISAs, stocks and shares ISAs, innovative finance ISAs, and Lifetime ISAs – but variants exist for specific investment needs.
This guide will explain how five types work, in order of their original launch date.
Retirement is something most of us look forward to − particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.
For a start, retirement is now often not the sudden change from work to enforced idleness that it used to be. It has increasingly become a gradual process, with part-time work playing an important role. The latest data from the Office for National Statistics (ONS) show that 13.4% of men and 7.9% of women aged 65 and over are still in employment.
There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.
The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you can make with your pensions.
This guide will help you understand the key issues and decisions that will affect your income after retirement.
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