broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: May 2015
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A Blog about Pensions and Corporate Benefits. Thursday, 28 May 2015. The Lifetime Allowance: How Low is Too Low? In March, the Lifetime Allowance (LTA) was cut once again by Chancellor George Osbourne. He has also claimed that by 2018 the LTA will be indexed-linked, adjusting with inflation. [1]. Any pension savings exceeding the £1 million LTA will be taxed at a rate of 55% on anything taken as a lump sum and at 25% if the excess is taken as an income (such as a scheme pension or annuity). [3]. Furtherm...
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: February 2015
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A Blog about Pensions and Corporate Benefits. Wednesday, 18 February 2015. Bond yields: unwelcome news for defined benefit pension scheme sponsors. Bond yields are at all-time lows. Notably, long-date corporate bond yields ended the year as low as they’ve been for at least a decade. My handy source of data doesn’t really go back much further, but I wouldn’t be surprised if they’ve never been this low – ever. Source: FT-SE Actuaries indices, Markit iBoxx indices). Balance sheet volatility may encourage sp...
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: Collapsing yields prompt another pensions crisis
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A Blog about Pensions and Corporate Benefits. Wednesday, 11 February 2015. Collapsing yields prompt another pensions crisis. With long gilt yields hovering just above 2%pa, many pension scheme deficits will be looking rather unpleasant. Looking forward, the prognosis is bleak. With the European Central Bank beginning its own Quantitative Easing programme, there doesn’t seem any immediate prospect of higher yields – indeed, some commentators, think that yields could fall still further. Follow us on Twitter.
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: November 2014
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A Blog about Pensions and Corporate Benefits. Friday, 28 November 2014. The DWP’s announcement on commission, what does it mean for your scheme? In March 2014 the Government announced a number of changes to the pension system to improve workplace pensions for employees. These changes affect both employer and employee to some degree, and the biggest change that will affect employers is the removal of commission payments to financial advisers. Telephone: 44 (0)20 7893 3456. Broadstone Corporate Benefits Ltd.
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: July 2015
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A Blog about Pensions and Corporate Benefits. Friday, 24 July 2015. What does the Future of Employee Benefits Look Like? As you will all be aware, this year we have seen a reduction in the Lifetime Allowance (LTA): the amount of tax-free savings an individual can have in their pension fund upon retirement has been reduced from £1.25 million, for the tax year 2015/16, to £1 million, for the year 2016/17. It is important that benefit packages can be communicated to employees individually and at all times&#...
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: The Lifetime Allowance: How Low is Too Low?
http://broadstoneonline.blogspot.com/2015/05/the-lifetime-allowance-how-low-is-too.html
A Blog about Pensions and Corporate Benefits. Thursday, 28 May 2015. The Lifetime Allowance: How Low is Too Low? In March, the Lifetime Allowance (LTA) was cut once again by Chancellor George Osbourne. He has also claimed that by 2018 the LTA will be indexed-linked, adjusting with inflation. [1]. Any pension savings exceeding the £1 million LTA will be taxed at a rate of 55% on anything taken as a lump sum and at 25% if the excess is taken as an income (such as a scheme pension or annuity). [3]. Furtherm...
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: March 2015
http://broadstoneonline.blogspot.com/2015_03_01_archive.html
A Blog about Pensions and Corporate Benefits. Thursday, 26 March 2015. For Sale - Annuity Policy. One Careful Owner. After several weeks of speculation, the Treasury yesterday released its "consultation" on selling annuities (available. Practical problems - like how to work out when an annuitant dies, if the annuitant no longer has an interest in the annuity policy - are flagged, but the Government doesn't seem to have a clear view on how to solve them. The risk for the insurer is that they overpay on th...
broadstoneonline.blogspot.com
Broadstone Corporate Benefits Ltd: Try to be Flexible: How SMEs Can Attract Staff
http://broadstoneonline.blogspot.com/2015/05/try-to-be-flexible-how-smes-can-attract.html
A Blog about Pensions and Corporate Benefits. Tuesday, 26 May 2015. Try to be Flexible: How SMEs Can Attract Staff. Furthermore, most employees will have the opportunity to work closely with senior management, so work is more likely to get noticed and ideas are more likely to be heard. The environment of an SME is generally less formal and bureaucratic and the work more varied; this keeps employees engaged and drives productivity. Attaining a better work/life balance has become a high priority for most e...
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