July/Aug 2019


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Latest Development - Tech Zone - In Association with Prudential

  • Tax and trusts: Sideways inheritance

    21 February 2019

    The incidence of divorce and re-marriage amongst baby-boomers can make inheritance fraught with difficulties and requires talking to clients about their wishes, wills, trusts and tax, says John Humphreys, inheritance tax specialist at WAY Investment Services Ltd Dealing with inheritance issues can be an extremely sensitive matter. How much to pass on and to...

  • Technical: Carry forward of unused annual allowance

    13 February 2019

    In this article the Prudential technical team explains the history and use of carry forward of unused annual allowance for pension savings, including calculation examples. Key points Annual allowance rules operate separately from the tax relief rules. You need to consider both when looking at pensions saving. Carry forward relates only to unused annual...

  • Primary protection – what it is and how it works

    1 February 2019

    Primary protection was introduced by Finance Act 2004, for people with total benefits valued at £1.5m (the newly introduced lifetime allowance) or more on 5 April 2006, to reduce potential tax charges. Here the The Prudential technical team look at what it is and how it works. These articles are for UK financial advisers only. Key...

  • Where inheritance tax applies to pensions

    26 January 2019

    Pensions are normally exempt from IHT.  This article from the Prudential technical team, explores those areas where pensions can have IHT implications. These articles are for UK financial advisers and paraplanners only. Key points Contributions to a pension scheme can be a lifetime transfer of value if the member is in ill health or...

  • Supporting you in 2018 – Prudential’s 2018 End-Year Report

    15 January 2019

    We’re continually growing our hub to keep supporting you – sharing useful tools, new content including seminars and articles, videos and of course our dedicated life events hub. Watch out for ways we’ll support you throughout 2019. Here is a handy infographic to show what we have been up to in 2018. Click below...

  • Death benefits within annuities and the tax payable

    13 January 2019

    The Prudential technical team look at the death benefits that can be provided if a member purchases an annuity contract, and the resulting taxes payable. These articles are for UK financial advisers and paraplanners only. Key points If death benefits haven’t been purchased by the annuitant, then nothing is payable when they die. If purchased at...

  • Asset allocation: Why the strategic versus tactical debate matters

    31 December 2018

    Seen as the building blocks of a portfolio, strategic and tactical asset allocation processes should work in tandem to deliver on-target and risk-adjusted returns. Here, the two processes are analysed to see how they complement each other to deliver long-term results. Barry Widdows, Head of Multi-Asset Portfolio Management & Phil Butler, Multi-Asset Portfolio Manager...

  • Capital markets research and modelling: The engine of a multi-asset portfolio

    9 December 2018

    As the universe of multi-asset solutions continues to grow, the key to delivering long-term, stable returns often relies on how well the underlying drivers of risk and return are understood and managed in a portfolio. But how easy is it to model the possibilities? Dipanjan Roy of PPMG explains. SAA- Engine of investment process...