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Quarterly Private Client Newsletter: December 2014

Welcome to the twentieth edition of the Kennedy Black Quarterly Private Client Newsletter.   In this edition, we focus on why proper financial planning is important and worth paying for.   This month has also seen George Osborne's Autumn Statement, which we summarise briefly.   Finally, we include the tenth and final 'irrational behaviour' in our series, wrapping things up with perhaps the most duplicitous of all: Hindsight Bias.    December 2014 KBWM...

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Quarterly Private Client Newsletter: June 2014

Welcome to the latest edition of the Kennedy Black Quarterly Private Client Newsletter.   This edition is 100% pension-focused, now that the dust has settled on some ground-breaking changes in the Budget (apologies in advance if we get a bit excited about pensions).   We give a quick no-jargon explanation of how pensions currently work, what the changes are and, now that some time has passed since it was...

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Quarterly Private Client Newsletter: February 2014

Welcome to the latest edition of the Kennedy Black Quarterly Private Client Newsletter.   In this edition we focus on some important pension changes that are coming into force in April.  If you have built up pension pots with a total value of £500k or more, we would urge you to get in touch immediately.  Some action may be required before 5th April.   We are also pleased to update the performance of...

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Quarterly Private Client Newsletter: October 2013

Welcome to the latest edition of our Private Client Newsletter   We focus on a couple of important topics in this edition.  First, why we have concerns about equity income investing.  And secondly, how simple retirement planning can be (very) good for your wealth.   Furthermore, we continue our series on Behavioural Investing, focusing on the oft-misunderstood concept of 'Mental Accounting'.   October 2013 KBWM Private Client Newsletter (requires Adobe Reader)   We hope...

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Quarterly Private Client Newsletter: May 2012

Please see below a link to May 2012's Quarterly Private Client Newsletter from Kennedy Black Wealth Management.   In this edition, we address one of the furthest-reaching changes to pensions legislation in a generation: Auto Enrolment.  These new rules will force employers to offer contributory pensions to their employees.  Great news from a retirement planning perspective (since people are still doing far too little), but potentially disastrous...

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Quarterly Private Client Newsletter: February 2012

Please see below a link to February 2012's Quarterly Private Client Newsletter from Kennedy Black Wealth Management.   In this edition, we are pleased to recap on some prestigious recognition that we've received over the past three months. We are also pleased to report that we are expanding and would like to welcome Cathi Harrison to the team. Cathi is a highly qualified paraplanner and will work...

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How much should I contribute towards a pension?

On a day of public pension strikes, I thought some comments on pensions (especially private vs public) would be a topical subject.   If you are confused as to how much to contribute towards your pension, then you are in the majority. When I was working in the City, I used to think that my employer's contribution (3% of salary) plus a contribution from me (another 3%)...

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Latest Kennedy Black Wealth Management Quarterly Private Client Newsletter

Please see below a link to February 2011's Quarterly Private Client Newsletter from Kennedy Black Wealth Management.   In this edition, we focus on some year end tax planning topics such as ISAs and Capital Gains Tax planning.  The first article outlines how stocks and shares ISAs are almost as tax efficient as pensions - and since we all should recognise the tax benefits of pensions, perhaps...

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Pension Auto-Enrolment (and NEST) – what it means for employers

In what could be the most revolutionary changes to pension legislation in decades, the Department of Work and Pensions ("DWP") has recently published "Making Automatic Enrolment Work" (October 2010), a review into two new proposals: Auto-enrolment and NEST (short for "National Employment Savings Trust").  For employers, the implications are significant so here is a summary of what has been proposed and what it means.   Firstly, from...

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Spending Review – some pension reforms to salute for a change

So the Spending Review has now been and gone.  I won't dwell on the more general elements here, but I will cast an eye over the pension changes announced - less than a week after the last set of pension reforms.   In summary, the State Pension age for everyone will rise to 66 by 2020.  Not too big a deal, you might think, since it's currently...

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