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Insights and opinions

Expert opinions on markets, trends and financial planning.

The objective of this page is to present users with objective news, information, data and guidance on personal finance topics drawn from a diverse collection of sources including affiliated and non-affiliated financial services publications. Content is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or investment by any Fidelity entity or any third-party. Please note that the views expressed may no longer be current.

Paul Squirrell

Beneficiary flexi-access drawdown (BFAD) conundrum

Pitfalls and issues to be considered with the payment of beneficiaries flexi-access drawdown death benefits.

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 06 Apr 2024

Paul Squirrell

Transitional tax-free amount certificates

Applications need to made before the first RBCE in the new tax year.

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 25 Mar 2024

Katie Beecroft

Spotlight on Generative Artificial Intelligence

Given the rapid emergence of new technologies, continued awareness of cybersecurity is crucial in today's world.

Katie Beecroft

Katie Beecroft Risk and Security, Fidelity International - 20 Mar 2024

Tom Stevenson

Spring Budget 2024 - what it means for your clients' money

British ISA, NI cuts and changes to child benefit.

Tom Stevenson

Tom Stevenson Fidelity International - 06 Mar 2024

Paul Squirrell

Maximising tax benefits within an ISA

Three brief observations about Individual Savings Accounts (ISAs) and their tax benefits.

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 05 Mar 2024

Paul Squirrell

Investing beyond pensions and ISAs

What should clients do when they have money to invest but have already made their pension contributions and used up their ISA allowance?

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 05 Mar 2024

Paul Squirrell

Pensions – still the first port of call for retirement savings

In this article, I want to illustrate why pensions are still the starting point for clients saving for their retirement.

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 28 Feb 2024

Paul Squirrell

Pensions are now even more attractive to those saving for retirement

The attraction of saving into a pension became a whole lot more in March 2023 when a number of pension allowances were boosted in the Spring Budget.

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 28 Feb 2024

Paul Squirrell

The LTA replacement regime explained

When the new tax year begins on 6 April 2024, the Lifetime Allowance (LTA) replacement will come into force.

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 28 Feb 2024

Paul Squirrell

Planning opportunities at tax year end

A high-level look at some of the main considerations for financial planners

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 18 Jan 2024

Tom Stevenson

Autumn Statement 2023 – what it means for your clients’ money

Chancellor focuses on workers and small businesses

Tom Stevenson

Tom Stevenson Fidelity International - 22 Nov 2023

Ed Monk

How ISAs might change - Autumn Statement

There are rumours of government changes to ISAs

Ed Monk

Ed Monk Fidelity International - 16 Oct 2023

Katie Beecroft

The fight against cybercrime goes on

It’s more important than ever to be cyber-savvy

Katie Beecroft

Katie Beecroft Risk and Security, Fidelity International - 13 Oct 2023

Natalie Howard

AIM high for later life clients with IHT investing

In the tax year ending on 31 March 2023, the government received a record-breaking £7.1bn in inheritance tax (IHT) – a 13% increase from the previous year.

Natalie Howard

Natalie Howard Investment Manager, Canaccord Genuity Wealth Management - 10 Oct 2023

Katie Beecroft

Cybersecurity: addressing behavioural risks

Why individuals – both advisers and their clients – may be unable to work in the most secure way possible.

Katie Beecroft

Katie Beecroft Risk and Security, Fidelity International - 29 Sep 2023

Donald Manning

Making the most of annual allowances

New government legislation means the 2023/24 tax year has seen significant changes to the investment landscape.

Donald Manning

Donald Manning Retirement & Savings Development Manager - 27 Sep 2023

Jack Richards

What now for low-risk portfolios?

Looking-forward, bonds are now more attractively valued than at any point in the last 15 years. Short-dated bonds were yielding over 5% this July.

Jack Richards

Jack Richards Investment Manager - Hymans Robertson Investment Services - 18 Sep 2023

Ed Monk

Do these numbers put the State Pension triple lock at risk?

New wage data suggest a further 8.5% rise in the payment

Ed Monk

Ed Monk Fidelity International - 15 Sep 2023

Sean O’Flanagan

Why Now is a Good Time to Invest in AIM

AIM offers a number of attractions for private investors, including exposure to growth companies and the ability to mitigate Inheritance Tax.

Sean O’Flanagan

Sean O’Flanagan Senior Investment Manager - Whitman Asset Management - 01 Aug 2023

Paul Squirrell

The annual allowance tax charge and the 'scheme pays' option

How the charge works and a potential option for paying HMRC

Paul Squirrell

Paul Squirrell Head of Retirement and Savings Development - 14 Jul 2023

Ed Monk

£205K to replace -- why clients really need a full State Pension

There can be lots of reasons why clients might not get the maximum State Pension.

Ed Monk

Ed Monk Fidelity International - 27 Jun 2023

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