
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.
Pension changes formed an important part of this year’s Spring Budget. On 15 March, Chancellor of the Exchequer, Jeremy Hunt, set out his plans to
To maintain pension contributions during an economic downturn can be challenging, but it is an important step towards ensuring a secure financial future. Affordability is
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
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.
Pension Savers are Rightly Concerned. Rapid Inflation Is Eroding the Purchasing Power of Pension Pots. Read My Analysis of Your Choices …
How the Ukraine Conflict will Impact Global Market Volatility and What It Means for Personal Finances – My View of World Events
Flexible Retirement is an Increasingly common aim nowadays, post-COVID. But Is it achievable or practical for you? Find out what it is and the pros and cons of flexible retirement.
The furlough scheme set up in March 2020 was designed to save jobs. Now it’s been extended again and this month I’m looking at its
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.
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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.