<?xml version="1.0" encoding="UTF-8"?><rss version="0.92">
<channel>
	<title>Heritable Ltd - Financial Planning</title>
	<link>http://www.heritableltd.co.uk</link>
	<description>Creating &#38; Preserving Wealth</description>
	<lastBuildDate>Wed, 21 Dec 2011 19:59:44 +0000</lastBuildDate>
	<docs>http://backend.userland.com/rss092</docs>
	<language>en</language>
	<!-- generator="WordPress/" -->

	<item>
		<title>New government restrictions on high-value pensions</title>
		<description><![CDATA[The government is targeting those with high value pensions from 6th April 2012. Firstly, it will penalise those with pension savings valued at more than £1.5 million at retirement.  They will face a Lifetime Allowance (LTA) charge of 20% of anything over this amount. This does not only affect those who have saved more than £1.5 [...]]]></description>
		<link>http://www.heritableltd.co.uk/new-government-restrictions-on-high-value-pensions/</link>
			</item>
	<item>
		<title>Protecting yourself financially</title>
		<description><![CDATA[Financial “Protection” refers to a range of financial insurance products rather than a system of extortion and tribute collection as dramatised in Hollywood mafia films. These products insure people’s lives and health. They date back to Roman times where members of “burial clubs” pooled regular contributions into a fund which covered the cost of members’ [...]]]></description>
		<link>http://www.heritableltd.co.uk/protecting-yourself-financially/</link>
			</item>
	<item>
		<title>Investing for children &#8211; the junior ISA</title>
		<description><![CDATA[Junior Individual Savings Accounts (JISAs) are new tax efficient savings vehicles for children that provide tax-free income and growth on certain qualifying investments.  UK children under 18 who do not have a Child Trust Fund (CTF) are eligible for JISAs. Anyone with parental responsibility for an eligible child can open a JISA for that child; [...]]]></description>
		<link>http://www.heritableltd.co.uk/junior-isas/</link>
			</item>
	<item>
		<title>New Workplace Pension Reforms (Auto-Enrolment)</title>
		<description><![CDATA[From 2012 new legislation will require all employers to manage the pension saving of their work-force. This affects bigger employers first, then all employers by 2017 – even those with just one employee. It will apply to all employed persons but not affect the self-employed. The intention is to boost people’s retirement savings, but it [...]]]></description>
		<link>http://www.heritableltd.co.uk/new-workplace-pension-reforms-auto-enrolment/</link>
			</item>
	<item>
		<title>Using a Pension to buy Property</title>
		<description><![CDATA[The media is awash with chatter about pensions, despite some negative press pensions are actually a major opportunity for us all. Take SIPPs (Self-Invested Personal Pensions); if you are a business owner a canny way to build up retirement funds is by combining existing pension pots into a SIPP and using it to buy your current business premises.]]></description>
		<link>http://www.heritableltd.co.uk/using-a-pension-to-buy-property/</link>
			</item>
	<item>
		<title>5-Year Fixed Rate Mortgages</title>
		<description><![CDATA[Arguably this is the time to give serious consideration to taking out a 5 year fixed rate mortgage.  The deepening economic gloom may start to impact upon the banks willingness to lend each other money.  The resulting shortage of funds may result in mortgage prices going up notwithstanding interest rates remaining low.   Sub four percent 5-year mortgages started to appear at the end of last year.  Since then the Governor of the Bank of England, Mervyn King has indicated that the UK will follow theUSA’s stance and keep interest rates low for the next two years.  But nonetheless there is the possibility that mortgage pricing may increase.]]></description>
		<link>http://www.heritableltd.co.uk/5-year-fixed-rate-mortgages/</link>
			</item>
</channel>
</rss>

