14th December 2020 Despite the obvious challenges we have all been facing in 2020, it has been an extremely busy and successful year for Depledge SWM. Read on for a review of 2020, and an update regarding what we have been up to and how things are going. Welcome to all our new clients We’re […]
8th December 2020 If your estate could be liable for Inheritance Tax (IHT), gifting is one solution for passing on wealth while reducing the bill that could be appropriate for you. Our latest guide explains the basics of IHT and what you need to consider if you want to make gifting part of your long-term […]
25 November 2020 Chancellor Rishi Sunak has unveiled the government’s spending plans for the coming year in his Spending Review given on Wednesday 25 November. A Spending Review sets out how the government plans to spend money and what each department will receive. It covers a range of areas, like health, policing, and education. It […]
November 23, 2020 There’s no actual limit on the total pension fund you can save for your retirement. However, the Lifetime Allowance (LTA) is the effective maximum you can save without triggering any tax charges. The Labour government introduced the LTA in 2006/07. Less than a decade ago it stood at £1.8 million but, since […]
November 23, 2020 One of the most common questions we hear is “will I run out of money in retirement?” With people living longer than ever, and more choices than ever when it comes to transitioning into retirement, your pension fund could have to last you 20, 30 or even 40 years. When it comes […]
November 23, 2020 Warren Buffett is an American investing icon. The CEO of Berkshire Hathaway, Buffett has a net worth of US$78.9 billion as of August 2020, making him the world’s seventh-wealthiest person. Over the years, Buffett has lived by a certain set of values that he uses to invest. His approach to investing can […]
Taking ESG (environmental, social and governance) factors into consideration is a growing trend among investors. But what does it mean and why would you look at these areas when making investment decisions? Our latest guide explains the basics of ESG investing. According to the Investment Association, 26% of all UK assets use ESG factors in […]
In line with the last two quarters, the coronavirus pandemic has dominated sentiment regarding the global economy. After deep falls in markets in the spring, there have been signs of recovery in the third quarter, as lockdowns ease and many businesses return to something approaching normal. Here’s a look back at Q3 in your quarterly […]
In recent years, it’s been tough if you are a saver. Interest rates on traditional savings accounts have remained low, and it’s often been hard to even beat inflation on easy-access and fixed interest savings products. In recent months, rates have fallen yet further. Last month, National Savings & Investments (NS&I) became the latest provider […]
Over recent years, the government have gradually been increasing the age at which you can take your State Pension. The age will have risen to 66 for everyone by this month, and then will rise to 67 between 2026 and 2028. There are then plans to increase it to 68 in the 2040s. Last month, […]