What goes on underneath the bonnet of a pension fund and how knowing this could transform your retirement

How do you spot whether a pension fund manager is good or bad, is steady and reliable or is gambling with your retirement pot?

By looking underneath the bonnet of your pensions funds.

The key here is understanding the factors known as the ‘metrics’, crucial figures and numbers which give valuable clues as to how a fund achieves its performance.

If you know these metrics you can begin to decipher how a fund is really performing and see how it is positioned in terms of its management style and risk-taking. Know this and you may well spot warning signals in advance of something going wrong and unnecessary losses being occurred.

We have published research which goes into this in far more depth and will help you see these metrics, plus our research lists those fund management groups with strong metrics and those who have weak metrics, the ’good’ and ‘bad’.

We have made this research available and you can download it here: http://www.increaseyourpension.co.uk/do-not-judge-a-book-by-its-cover-report/

Inheritance Tax – how to avoid this unnecessary bill being imposed on your family wealth

According to HMRC figures a record amount of Inheritance Tax (IHT) was collected by the government in the past year. A total of £5.2 billion.

More and more families are having to pay – but there are many easy ways to reduce or avoid IHT, all within the legal tax framework.

This is why it is often known as the Voluntary Tax.

It starts to hit individual estates at £325,000 or £650,000 for a couple. This level is frozen for several years to come.

There is now another additional allowance for residential home owners – The Residential Nil Rate Band(RNRB) – but this may only apply in certain circumstances.

Family wealth does not have to be extravagant for IHT to be a problem.

It is normally paid by those families who do not take steps to deal with it, and avoided by those who do take steps.

If you are concerned that your wealth may be subject to Inheritance Tax, we will be able to help you. Get in touch here!