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Latest Development - Tech Zone - In Association with Prudential

  • Prudential’s Paraplanner Special Edition Oracle

    26 April 2018

    Welcome to Prudential’s paraplanner special edition Oracle In this edition we take a look at some of the frequently asked tax calculations. We also have a special feature article written by a paraplanner – the article discusses the how the profession is moving and the support that is out there to help you. Read...

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  • Trusts for disabled persons – to elect or not to elect  

    23 April 2018

    There are available tax advantages on electing for a trust to be treated as a vulnerable person’s trust but is it always the best thing to do for a disabled beneficiary? Helen O’Hagan, technical helpline manager, Prudential looks at the details. Who is a vulnerable beneficiary? A ‘vulnerable beneficiary’ is either: A person who...

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  • The highest rate of tax in the kingdom

    17 April 2018

    Now that the Scottish Rate of income tax (SRIT) has been passed, Mark Devlin, technical manager (pensions)at Prudential, looks at a particular quirk that exists between the devolved and non-devolved powers, to highlight the highest UK rate of tax (the tartan tax trap?). Following passing of the new Scottish Rate of Income Tax (SRIT), I...

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  • Technical: Divorce Bill, financial planning and the silver divorcee

    12 April 2018

    Clare Moffat, senior technical manager, Prudential, looks at the divorce (Financial Provision) Bill and how it may affect clients’ financial plans and in particular, the ‘silver’ divorcee. The Divorce (Financial Provision) Bill passed through its second reading in the House of Lords in January 2017. No date has yet been set for Committee stage...

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  • Defaqto’s multi-asset risk bound fund families: how to rate and select them guide in association with Prudential

    22 March 2018

    Defaqto’s multi-asset risk bound fund families: how to rate and select them guide in association with Prudential The reports give an independent and fact-based view on the features, processes and market positioning of a proposition, reducing the client suitability and due diligence workload for advisers. They include fund performance comparisons and case studies, showing...

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  • Questions from technical helpline – Tax and trusts

    19 March 2018

    We have numerous queries asking how offshore bond gains are taxed. Neil outlines the basic points below. However where the policyholder has had periods of non UK residence during the term of the bond ‘Time Apportionment Relief’ may apply. This is a complicated subject which is covered in our tech centre article ‘Taxation of...

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  • Wholly Disproportionate Gains

    12 March 2018

    HMRC have published guidance in their manuals in respect of life assurance bonds and excess gains. As you know, life assurance bonds have a unique feature whereby individuals and trustees are able to take up to 5%  tax deferred, across all of the segments, each year, out of their bonds. However, if this amount...

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  • Prudential release 2nd Oracle regulatory special

    6 March 2018

    Welcome to the second Oracle regulatory special. In this edition we have articles that cover PRIIPs and MiFID II and new disclosure requirements. So, what are we covering: An overview of the regulations – this article explores how the regulatory changes affect different illustrations such as KFIs, IODs and Ex-Ante cost and charges illustrations...

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