The changing yield requirements of the UK Equity Income sector

For many years, one of the Investment Association’s (IA’s) requirements for funds listed in the UK Equity Income sector has been that they should produce an annual dividend of 10% above that of the FTSE All-Share Index. Before the financial crisis of 2008/09, when interest rates and dividends were at higher levels than they have been since, this ‘yield hurdle’ was widely seen as appropriate.

24/03/2017 12:31:18
Spring Budget 2017: A summary of the key financial planning points (infographic)

Another mercifully quiet budget for financial planning. These calm waters provide a good opportunity to review the previously announced changes, due to come into force from April. In a world of ever-shrinking tax breaks, it is important to make full use of those that remain available.

10/03/2017 11:38:40
clarity buy list update - March 2017

The clarity investment committee has made changes to our buy list.

Read the latest update on our website for updated information on the following funds:

07/03/2017 16:22:08
Pensions for higher earners: The tapered annual allowance 2016/17

In April 2016, new rules came into force that significantly limit the amount higher earners can contribute to a pension in a tax-efficient manner. For most people, the annual allowance is currently the higher of £40,000 or 100% of your earnings. However, for those who are 'higher earners' this figure can be severely tapered, down to a minimum of £10,000.

24/02/2017 13:58:23
EIS and SEIS investment opportunities 2017

Enterprise Investment Schemes (EIS) and Seed Enterprise Investment Schemes (SEIS) both offer significant tax reliefs in order to encourage investment in smaller companies.

21/02/2017 15:44:04
Individual Protection 2014: Registration Deadline Approaching
Individual Protection 2014 (IP14) is available for anyone whose total pension benefits were valued over £1.25million as at 6 April 2014, and enables a personal, protected Lifetime Allowance (LTA) of up to £1.5million. The current LTA is £1million, so IP14 offers potential value of up to £275,000 for those eligible*.
21/02/2017 15:37:36
Venture capital trust (VCT) investment options 2017
VCTs offer significant tax reliefs to individuals who are prepared to invest indirectly in a range of unquoted smaller, higher-risk trading companies. As we approach the end of the tax year, VCTs can offer valuable tax-planning opportunities in the right circumstances. They are, however, considered very high-risk investments and are therefore not suitable for everyone.
21/02/2017 15:31:00
Investment outlook for 2017

2016 was a very surprising year for investors in a number of ways. The investment markets and wider economy failed to
respond to the unexpected outcome of the EU referendum in the way most people had assumed they would. So far, the
response to the equally surprising election of Donald Trump has been for the FTSE100 to reach an all-time high in
excess of 7,200.

13/01/2017 05:26:03
MPs say 'dominance' of big home-building firms must end A 'broken' housing market needs a bigger contribution from smaller building firms, MPs say. 29/04/2017 01:27:41
UK economy grows by 0.3% as service sector slows UK economic growth slowed by more than expected at the start of 2017 as the service sector stalled. 28/04/2017 09:58:47
NatWest and RBS banking app fails Customers complained on social media that payments and money transfers had not gone through. 28/04/2017 14:54:55
US growth rate hits three-year low President Trump faces a greater challenge in meeting his growth pledge after weak data. 28/04/2017 15:38:31
M&S online food delivery service will be no piece of cake The High Street giant prepares to join a crowded market for home delivery but could face problems. 28/04/2017 10:21:21
RBS reports first quarter profit as turnaround continues The bank returns to profit in the first quarter of 2017 and says its cost-cutting plan is ahead of target. 28/04/2017 07:59:27
Qualcomm says Apple withholding royalty payments amid legal row Apple sued chipmaker Qualcomm in January and is now withholding payments until the row is resolved. 28/04/2017 15:07:05
Amazon 'style assistant' divides opinion Amazon's new Echo Look device takes full length photos and offers advice on outfit choices. 28/04/2017 13:31:35
North Korea tests missile as US calls for sanctions Donald Trump warns of ‘major conflict’ over regime’s nuclear programme 29/04/2017 00:07:18
Straight from the hedgehog’s mouth: management guru Jim Collins Over osso buco, the author explains why ‘Big Hairy Audacious Goals’ are key to greatness in business 28/04/2017 10:44:59
Draft Nafta order signals tougher US stance on trade partners Document prepared before Trump’s U-turn sets ‘America First’ targets for other deals 29/04/2017 01:02:56
GDP slowdown stokes fears of Brexit stagnation Data offer striking contrast to resilience recorded after June vote to leave EU 28/04/2017 15:36:13
US suffers weakest first-quarter growth in 3 years Strong sentiment contrasts with slowdown in consumer spending 28/04/2017 17:04:16
EU emphasises unity on Brexit as leaders gather Worries rise about gap in expectations with London over financial demands 28/04/2017 17:38:55
100 days in the court of King Donald It was never going to be business as usual. But leaks, power struggles and policy reversals have dominated the first three months of President Trump’s administration 27/04/2017 04:02:36
Market reaction to Trump’s first 100 days — in charts Timeline of the ‘Trump trade’ and market-moving events 28/04/2017 04:00:51
A Billion-Dollar Business in Making the Richest 1% Even Richer Alternative asset managers make billions of dollars by helping to make the world's richest people and institutions even more wealthy. 28/04/2017 20:34:00
Alphabet Rides Advertising Strength to New Highs With the help of its core business, the internet search juggernaut continues to expand its reach. 28/04/2017 19:16:00
Leucadia Turns Things Around on Jefferies Recovery The financial company started 2017 on the right foot. 28/04/2017 19:03:00
3 of the Worst Credit Score Tips These oft-repeated credit score tips belong in the garbage bin. 28/04/2017 18:25:00
Apple's Siri Speaker Could Come as Soon as June That's just over a month away. 28/04/2017 18:19:00
ExxonMobil Posts Impressive Earnings, but Where Is the Production Growth? ExxonMobil has done a commendable job of bringing its costs down in a declining oil price environment, but it needs to start thinking about growth again. 28/04/2017 18:11:00
What Is an Indirect Rollover? Be careful when moving retirement funds via an indirect rollover. Otherwise, you could face stiff penalties. 28/04/2017 18:07:00
Net Inflows, Market Gains Fuel Diamond Hill Investment Group, Inc. Earnings Even as a tsunami of investor capital flows to index funds, this active fund manager continues to grow its assets under management. 28/04/2017 17:40:00

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