
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.
As the end of the tax year approaches, it’s important for savers to take advantage of the various tax-saving opportunities that are available to them.
My Take on the contents of the Autumn Statement (Nov 22) and how it will Impact my clients’ savings aspirations
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,
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.
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.
While mainstream media ponder whether austerity really has ended, here’s my take on what Budget 2018 means for savers. In short, ‘Spreadsheet Phil’ was
Here’s a summary of six ways to avoid paying inheritance tax (IHT) unnecessarily. They’re legal (otherwise it’d be tax evasion) and commonly used. If you
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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.