Received: from r1a-becklespinax.mta.dotmailer.com ([94.143.105.57]:33148) by stodi.digitalkingdom.org with esmtps (TLSv1.2:ECDHE-RSA-AES256-GCM-SHA384:256) (Exim 4.87) (envelope-from ) id 1dLUso-0001Rh-3W for lojban@lojban.org; Thu, 15 Jun 2017 06:32:25 -0700 DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=dkim1024; d=updates.tilney.co.uk; h=From:Date:Subject:Message-Id:To:List-Unsubscribe:Reply-To:MIME-Version: Content-Type; i=tilney@updates.tilney.co.uk; bh=HApCHHkD8qeC0xnWqjksQaLuPBLAoqlvF0KGUPdHaus=; b=IQWuIKGYH7iP1mqWOzhhYRUqRiKBOwUXEOL9UwLOsw+2g670Ss3t6EdswtwK8EAf1V8G1C2/9gVD o96pVBxUTsLcmsIB7HMOE7w3yumf5i5ZitIdCuOLe8cr5SR4VTTTMgatg7GcvpG2YxrRjqkyjio5 DEptAhUM5mE5mXqF1HY= From: Tilney Date: Thu, 15 Jun 2017 13:32:14 +0000 Subject: The latest in financial planning and investment news from Tilney Message-Id: To: lojban@lojban.org X-Mailer: dmDroid X-CampaignID: BTSVF X-dmid: 378T-H83B-54P2BF Feedback-ID: 378T:H83B:20170615:DDGESP List-Unsubscribe: , Reply-To: Tilney MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="=-kNpihP/XtCnPzIxxHD2L0A==" X-Spam-Score: -2.0 (--) X-Spam_score: -2.0 X-Spam_score_int: -19 X-Spam_bar: -- --=-kNpihP/XtCnPzIxxHD2L0A== Content-Type: text/plain; charset=utf-8 Content-Transfer-Encoding: quoted-printable Including our new financial planning magazine Financial Planning Matters =E2=80=93 our new magazine We have recently launched the first edition of our financial planning = magazine, Financial Planning Matters. We have created this magazine to= give you an insight into the day-to-day work of our financial planner= s =E2=80=93 and how they can help you make the most of your money. Ins= ide the magazine you=E2=80=99ll find: Why retirees have more fun =E2=80=93 and how much money they spend on = it How we help families to make the most of their money, from leaving an = inheritance to navigating a divorce An interview with Chief Investment Officer, Chris Godding =E2=80=93 th= e brains behind our investment strategy and a keen environmentalist The new allowance for passing on the family home Read our magazine ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE2= -0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE3-0/c.aspx ) Inheritance Tax =E2=80=93 a growing issue Rising house prices mean Inheritance Tax is becoming an issue for more= and more people. It is an area that many people have questions around= , especially now that the residence nil rate band has been introduced.= To help answer your questions, we have a created a new short guide to= the residence nil rate band Read our guide ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE4-0/= c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE5-0/c.aspx ) Our estate planning and Inheritance Tax guide Our popular estate planning and Inheritance Tax guide runs through you= r available options when it comes to protecting your wealth for future= generations. If you=E2=80=99re unclear about the rules and how to get= started, we=E2=80=99re confident that this guide will help. Read our guide ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE6-0/= c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE7-0/c.aspx ) Your invitation to an investment and financial planning seminar Our investment and financial planning seminars are a great way to meet= our team and hear them talk about the topics affecting your investmen= ts and financial plans. We run them up and down the country, they are = free to attend and you can even bring a guest. We=E2=80=99d love to se= e you at any of the following events: ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE8-0/c.aspx ) Guildford Harbour Hotel Tuesday 4 July 2017, 11am Guildford Book ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIE9-0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEA-0/c.aspx ) St Michael=E2=80=99s Hotel Tuesday 11 July 2017, 11am Falmouth Book ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEB-0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEC-0/c.aspx ) Exeter Golf and Country Club Wednesday 12 July 2017, 11am Exeter Book ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIED-0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEE-0/c.aspx ) The Castle Hotel Thursday 13 July 2017, 11am Taunton Book ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEF-0/c.aspx ) See all of our seminars ( http://updates.tilney.co.uk/378T-H83B-54P2BF= -8UIAG-0/c.aspx ) How much will you spend in your life? If you knew how much money you would spend over your lifetime, would i= t change how you behave? And the parts of your life you prioritise? We have an infographic that you can use to explore how much the averag= e British household will spend over the course of a lifetime You can see expenditure based on different age brackets =E2=80=93 so i= f you want to know how much a household spends on dining out from age = 60 onwards, you can The infographic is based on our =E2=80=98The Cost of Tomorrow=E2=80=99= report, which helps you see whether you will have enough money to las= t the rest of your life Open the infographic ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8U= IEG-0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEH-0/c.aspx ) How to avoid breaching the pension lifetime allowance The pension lifetime allowance reduced from =C2=A31.25 million to =C2=A3= 1 million on 6 April 2016. This means more people will be subject to t= he 55% tax charged on withdrawals of any pension savings in excess of = the allowance. Tilney research has shown that many savers in the middle of their work= ing lives could actually be on track to breach the allowance without i= nvesting another penny There are several options that may help to avoid or reduce this tax We have an article from David Smith, Director, Financial Planning that= explores these options in detail Read David's article ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8U= IEI-0/c.aspx ) Are you planning for long-term care costs? Life expectancy is rising in the UK, but less than one in three over-4= 5s are factoring the cost of long-term care into their retirement plan= s. Everyone deserves appropriate care later in life and we take a look= at how you can ensure that you receive it in this article ( http://up= dates.tilney.co.uk/378T-H83B-54P2BF-8UIEJ-0/c.aspx ). For a more compr= ehensive look at paying for care, download our comprehensive guide. Read our guide ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEK-0/= c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEL-0/c.aspx ) The 2017 UK General Election result =E2=80=93 our view In the latest of a string of political shocks, the UK electorate appea= rs to have turned on the incumbent government, denying the Conservativ= es a majority by delivering a hung parliament. In the immediate afterm= ath, Ben Seager-Scott, Chief Investment Strategist, delivered our view= , including what it means for the markets and the portfolios we run. Read our view of the election ( http://updates.tilney.co.uk/378T-H83B-= 54P2BF-8UIEM-0/c.aspx ) The latest news from Bestinvest It might sound like a far-fetched idea, but saving into a child pensio= n might just end up being one of the greatest financial gifts you ever= give. Managing Director Lee Dooley explores further ( http://updates.= tilney.co.uk/378T-H83B-54P2BF-8UIEN-0/c.aspx ) For a straightforward way to save for a child=E2=80=99s future, you co= uld open a Junior ISA ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8= UIEO-0/c.aspx ). These work in much the same way as an adult ISA, with= an annual allowance of =C2=A34,128 for a child in 2017/18 Do you know what your pensions are doing for you? As we go through wor= king life, it=E2=80=99s easy to lose track of them =E2=80=93 including= how they=E2=80=99re performing and what you=E2=80=99re paying in fees= . We have a guide that explains why reviewing your pensions makes sens= e ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIEP-0/c.aspx ) Connect with us ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIAL-0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIAM-0/c.aspx ) ( http://updates.tilney.co.uk/378T-H83B-54P2BF-8UIAN-0/c.aspx ) Important Information The value of investments, and the income derived from them, can go dow= n as well as up and you can get back less than you originally invested= . Prevailing tax rates and reliefs are dependent on your individual circ= umstances and are subject to change. This email does not constitute a = personal recommendation to invest. We hope you've found this message helpful. However, if you would prefe= r not to receive future emails from Tilney simply unsubscribe http://u= pdates.tilney.co.uk/378T-H83B-E854P2BF2B/uns.aspx 17065000 643905 Tilney is a trading name for: Tilney Investment Management Services Lt= d (Reg. No: 2830297), Tilney Discretionary Investment Management Ltd (= Reg. No: 02519968), Tilney Investment Management (Reg. No: 02010520), = Tilney Asset Management Ltd (Reg. No: 03900078), Tilney Asset Manageme= nt Services Ltd (Reg. No: 03691998), Tilney Discretionary Portfolio Ma= nagement Ltd (Reg. No: 00793636), Thurleigh Investment Managers LLP (R= eg. No: OC309191), Tilney Financial Planning Ltd (Reg. No: 607039), Be= stinvest (Consultants) Ltd (Reg. No: 01550116) and HW Financial Servic= es Ltd (Reg. No: 02030706), each of which is authorised and regulated = by the Financial Conduct Authority and a subsidiary of Tilney Group Lt= d (Reg. No: 08741768). All registered in England and Wales with regist= ered office: 6 Chesterfield Gardens, Mayfair, London W1J 5BQ. Further = details are available here ( https://www.tilney.co.uk/registered-detai= ls ). This email is for the information of the addressee only and should not= be reproduced and/or distributed to any other person. This email may = be sent on behalf of any of the above-named companies and should be co= nsidered a financial promotion on all occasions where the contents of = this email could be considered to be an invitation to engage in an inv= estment activity. Past performance is not a guide to future performanc= e. This e-mail is subject to terms and risk warnings available here ( = https://www.tilney.co.uk/email-terms-and-conditions ). By communicatin= g electronically with us, you consent to these terms. If you received this email in error, please accept our apology. We wou= ld be obliged if you would email contact@tilney.co.uk ( contact@tilney= .co.uk ). --=-kNpihP/XtCnPzIxxHD2L0A== Content-Type: text/html; charset=utf-8 Content-Id: <51JFFOTMK1U4.XKIPKRM9H1XL2@EU1DME-DROID18P> Content-Transfer-Encoding: quoted-printable The latest in financial planning and investment news from T= ilney= = =20 =20 =20 =20 =20 =20 =20 =20 =20 =20 =20
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Financial Planning Matters =E2=80=93 our new magazine

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We have recently launched the first edition of our financial planning = magazine, Financial Planning Matters. We have created this magazine to= give you an insight into the day-to-day work of our financial planner= s =E2=80=93 and how they can help you make the most of your money. Ins= ide the magazine you=E2=80=99ll find:

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Why retirees have more fun =E2=80=93 and how much money they spend on = it

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How we help families to make the most of their money, from leaving an = inheritance to navigating a divorce

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An interview with Chief Investment Officer, Chris Godding =E2=80=93 th= e brains behind our investment strategy and a keen environmentalist

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The new allowance for passing on the family home

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Inheritance Tax =E2=80=93 a growing issue

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Rising house prices mean Inheritance Tax is becoming an issue for more= and more people. It is an area that many people have questions around= , especially now that the residence nil rate band has been introduced.= To help answer your questions, we have a created a new short guide to= the residence nil rate band

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Our estate planning and Inheritance Tax guide

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Our popular estate planning and Inheritance Tax guide runs through you= r available options when it comes to protecting your wealth for future= generations. If you=E2=80=99re unclear about the rules and how to get= started, we=E2=80=99re confident that this guide will help.=20

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Your invitation to an investment and financial planning semin= ar

=
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Our investment and financial planning seminars are a great way to meet= our team and hear them talk about the topics affecting your investmen= ts and financial plans. We run them up and down the country, they are = free to attend and you can even bring a guest. We=E2=80=99d love to se= e you at any of the following events:

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Guildford Harbour Hotel

Tuesday 4 July 2017, 11am
Guildford

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St Michael=E2=80=99s Hotel

Tuesday 11 July 2017, 11am
Falmouth

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Exeter Golf and Country Club

Wednesday 12 July 2017, 11am
Exeter

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The Castle Hotel

Thursday 13 July 2017, 11am
Taunton

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How much will you spend in your life?

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If you knew how much money you would spend over your lifetime, would i= t change how you behave? And the parts of your life you prioritise?

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We have an infographic that you can use to explore how much the averag= e British household will spend over the course of a lifetime

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You can see expenditure based on different age brackets =E2=80=93 so i= f you want to know how much a household spends on dining out from age = 60 onwards, you can=20

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The infographic is based on our =E2=80=98The Cost of Tomorrow=E2=80=99= report, which helps you see whether you will have enough money to las= t the rest of your life

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How to avoid breaching the pension lifetime allowance

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The pension lifetime allowance reduced from =C2=A31.25 million to =C2=A3= 1 million on 6 April 2016. This means more people will be subject to t= he 55% tax charged on withdrawals of any pension savings in excess of = the allowance.

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Tilney research has shown that many savers in the middle of their work= ing lives could actually be on track to breach the allowance without i= nvesting another penny

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There are several options that may help to avoid or reduce this tax

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Are you planning for long-term care costs?

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Life expectancy is rising in the UK, but less than one in three over-4= 5s are factoring the cost of long-term care into their retirement plan= s. Everyone deserves appropriate care later in life and we take a look= at how you can ensure that you receive it in this article. For a mo= re comprehensive look at paying for care, download our comprehensive g= uide.

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The 2017 UK General Election result =E2=80=93 our view

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In the latest of a string of political shocks, the UK electorate appea= rs to have turned on the incumbent government, denying the Conservativ= es a majority by delivering a hung parliament. In the immediate afterm= ath, Ben Seager-Scott, Chief Investment Strategist, delivered our view= , including what it means for the markets and the portfolios we run.=20

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The latest news from Bestinvest

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It might sound like a far-fetched idea, but saving into a child pensio= n might just end up being one of the greatest financial gifts you ever= give. Managing Director Lee Dooley explores further

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For a straightforward way to save for a child=E2=80=99s future, you co= uld =EF=BB= =BFopen a Junior ISA. These work in much the same way as an= adult ISA, with an annual allowance of =C2=A34,128 for a child in 201= 7/18

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Do you know what your pensions are doing for you? As we go through wor= king life, it=E2=80=99s easy to lose track of them =E2=80=93 including= how they=E2=80=99re performing and what you=E2=80=99re paying in fees= . We have a guide that explains why reviewing your pensions makes = sense

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Connect with us

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