February 2016 - Moore Stephens Financial Services

workplace pensions

Workplace Pensions

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Workplace pensions – in the long run, a quality pension scheme outweighs the costs If we hear one concern more than any with regard to workplace pensions, it is that it is just another expense on the business that the employer could do without. The cost might relate to the pension scheme itself or the adviser seeking to recommend a suitable scheme. There is a wide variance in pension schemes…

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Budget 2016 – the potential good news

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In recent weeks we have commented on the potential downsides of the forthcoming March 16th 2016 Budget, but perhaps we should also comment on a couple of possible moves that may offset some of the pain for higher rate taxpayers should higher rate tax relief on pensions be abolished. Firstly, it is likely that a new flat rate of tax relief shall be introduced for all pension contributions. This would…

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Japan – why negative interest rates can be good for investors

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The Bank of Japan announced negative interest rates on Friday 29th January 2016 thus causing a rally in Japanese equities and a comparative fall in Japanese bonds. Inflation is not rising sufficiently to keep pace with the target figure of 2% and rather than allow confidence in the Japanese stock market to further falter, the Bank of Japan announced additional measures to stimulate the economy. The immediate aftermath of that…

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