t: 0141 221 4442



Archive for September, 2013

Time to aim for higher returns

Taking a different approach to investments can generate greater wealth When it comes to taking investment risk to secure a higher return, those aged 55 and over are most likely to be taking the lead with Stocks & Shares Individual Savings Accounts (ISAs), according to research from Standard Life (08 April 2013). Over one in […]

Gender neutrality changes

Women retirees could boost pension income by 67 per cent The combination of the recent rise in gilt yields, positive market performance, gender neutrality changes, and the 20 per cent uplift in income levels announced by the Government earlier this year, can provide a substantial boost to the level of income available for female pensioners.

Estate preservation

Helping you to look after and maintain your wealth in the most efficient way If you are UK domiciled, Inheritance Tax (IHT) is currently charged at 40 per cent and is payable on your estate once your net assets exceed £325,000. For some married couples and registered civil partners, any unused percentage of the available […]

What would you do if you lost your job tomorrow?

What would you do if you lost your job tomorrow? 30 per cent of working adults think they would be able to find another job of a similar level and pay within six months

Roads to wealth

Financial challenges facing Britain’s young adults Skandia’s study about the roads to wealth for Britain’s youth highlights the financial challenges many young adults experience as they move away from home to establish themselves as independent individuals.

Building new Untouched pension savings

An opportunity to potentially improve tax-efficiency rawdown is the main alternative to a secure annuity income. It is more flexible than an annuity but is also more complex and higher risk. Figures from Skandia (08 July 2013) show only one third (35 per cent) of people in drawdown are actually taking their full income allowance.

Greater flexibility for pension savers

New individual protection rules introduced New rules announced by HM Revenue & Customs provide people with large pension savings the flexibility to continue to receive valuable employer contributions to their pension.

Asset allocation

Risk is an implicit aspect to investing If you are going to invest you need to be prepared to take some calculated risk in the hope of greater reward. Risk is an implicit aspect to investing: shares can fall, economic conditions can change and companies can experience varying trading fortunes.

Real help when you need it most

A very difficult time for your health and your wealth The diagnosis of a serious illness can mean a very difficult time for your health and your wealth. But critical illness cover can provide vital financial security when you need it most. Most homebuyers purchase life assurance when they arrange a mortgage, but overlook critical […]

Band of gold

Are you benefiting financially from your marital status? Tying the knot does bring financial advantages. Tax and pensions are probably the least romantic reasons for getting married, but there are a number of ways to benefit from your marital status.


Independent Advisers (Scotland) Ltd
Independent Advisers (Scotland) Limited is registered in Scotland
Registration No. SC252740

Registered office: 81 St Vincent Street 2nd Floor, Glasgow, G2 5TF
Tel: 0141 221 4442
Email: enquiries@iascotland.com

The material on the site is the copyright material of Independent Advisers (Scotland) Ltd. You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use Independent Advisers (Scotland) Ltd content in any way except for your own personal, non-commercial use. This includes but is not limited to all individual fund manager data such as rankings of fund managers and ratings of fund managers. Independent Advisers (Scotland) Ltd does not accept any liability for your reliance upon, or any errors or omissions. Any other use of Independent Advisers (Scotland) Ltd content requires the prior written permission of Independent Advisers (Scotland) Ltd.

© 2013 Independent Advisers (Scotland) Ltd. Independent Advisers (Scotland) Ltd is authorised and regulated by the (Financial Conduct Authority no: 432413 and is bound by its rules. Your home may be repossessed if you do not keep up repayments on you mortgage. Will writing is not regulated by the Financial Conduct Authority.