
ISA or Pension or Both: Which is the Better Investment?
ISA or Pension can be a difficult choice. This post explains the taxation, access and other differences to help you choose what’s best for your circumstances.
A Personal Financial Blog from Naz Miller
All you need to know about inheritance tax, investment and pension planning.
Tips for a prosperous retirement.
Investing for financial security.
Tips for a prosperous retirement.
Planning & concerns.
A personal take on the latest financial news and how it might affect us all.
How to be efficient about how you pay your taxes.
Prior to working with St. James’s Place Wealth Management I spent 34 years working at Lloyds Bank locally here in Cambridge and surrounding areas. My work focused on helping clients achieve their long term financial objectives.
I passionately believe in providing easy to understand financial advice to my clients. In these challenging times it is crucially important that every individual has access to good financial advice which helps achieve prosperity and financially secure future. Working with St. James’s Place together with my extensive experience helps me deliver the prosperity I want to achieve with my clients.
My specialist areas are Investment planning, Pension planning and Inheritance tax planning.
As well as loving the work I do I am kept busy with my extensive family and friends. I also like to dedicate some of my time doing work for my community by working as a volunteer at Addenbrooke’s Hospital and the East Anglian Royal Ambulance.
a selection of the latest NazFinancial news and articles
ISA or Pension can be a difficult choice. This post explains the taxation, access and other differences to help you choose what’s best for your circumstances.
To minimise tax when you’re retired, it’s first important to understand what tax you do have to pay. Many people assume that their pension income,
Pension Savers are Rightly Concerned. Rapid Inflation Is Eroding the Purchasing Power of Pension Pots. Read My Analysis of Your Choices …
National Insurance rose by 1.25%, from 12% to 13.25% on April 6th, 2022. This followed Chancellor Sunak’s Spring Statement. By starting it then, it applies
Wills and Lasting Powers of Attorney (LPAs) are Key Tools in your Personal Finances. Understand their uses and differences.
How the Ukraine Conflict will Impact Global Market Volatility and What It Means for Personal Finances – My View of World Events
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Glossary of Personal Financial Terms
In short, AAA ratings (‘triple-A‘ ratings) are the highest credit rating available for an investment, such as a bond or company.
AAA ratings are issued to investment-grade debt that has a high level of creditworthiness with the strongest capacity to repay investors.
Similarly, the AA+ rating is issued by S&P (Standard and Poor) and is similar to the Aa1 rating issued by Moody’s. It comes with very low credit risk and indicates the issuer has a strong capacity to repay.