
Understanding Salary Sacrifice: A Tax-Effective Way to Boost Pension Contributions
Are you looking for a way to save for retirement while also reducing your tax bill? Then salary sacrifice may be the answer for you.
A Personal Financial Blog from Naz Miller
It’s my mission to explain the sometimes complex world of financial services. Here are all my posts.
Choose by category, tag, date or title; these are all of the NazFinancial Blogs published so far.
Are you looking for a way to save for retirement while also reducing your tax bill? Then salary sacrifice may be the answer for you.
Planning to retire in a market downturn has its risks. This post is specifically aimed at those on the cusp of retirement. It aims to
Pension Savers are Rightly Concerned. Rapid Inflation Is Eroding the Purchasing Power of Pension Pots. Read My Analysis of Your Choices …
Personal financial health checks are a clever idea at any time. Here’s how to do your own.
Strong financial health is good for your well-being.
What is shared ownership? How accessible is it? Is it as good an option as buying outright, in the light of 95% mortgage availability and other first-time buyer incentives?
A review of personal finance in 2020? The temptation to move swiftly on is immense. As we move from a year we’d rather forget into an uncertain 2021, I’d like to pause for reflection before we do so. It’s always important to learn, and 2020 is no different. So, here’s my review of the year, as seen through the prism of my blogs.
Pensions Awareness Week is an annual PR-bash from the pensions industry, to try and build awareness among the population. Particularly awareness of the need for
WARNING: Pound cost ravaging is a rather technical concept. But it’s very important, particularly in the shadow of COVID-19, for anyone taking retirement incomes from
The Bounce Back Loan Scheme (BBLS) is a Government-designed business loan at favourable terms for SMEs. This is why they’re a good thing and why you should apply for one.
Overpay the mortgage and you could save a lot of interest payments and even pay it off early. But the numbers aren’t always clear-cut and the decision is more than just about numbers. What else should you consider? Read on…
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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.