
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
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.
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 …
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.
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.
Quite a few of my clients have asked me recently if now is a good time to retire. Of course, there’s seldom a simple yes/no
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
Pension planning is often seen by people as a bit of a chore, at best. Especially for the young, it’s seen as so far into
As life expectancies go up, differing attitudes to the concept of retirement have evolved. Many people are now likely to live for 20 to 30
I’ve heard people saying they’re going to wait and see what happens to Brexit and pension decisions are being delayed accordingly… I urge you not to compromise tomorrow’s wealth over today’s political failings. Let me show you why it’s not necessarily a bad time to invest.
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.