13th November 2015

Scottish Widows November Techtalk

Scottish Widows Techtalk magazine provides topical expert guidance for intermediaries that anticipates, interprets and forecasts key industry changes and regulation.

NEW LIMITS: CARRY FORWARD IN 2015/2016

An in-depth summary of carry forward to and from 2015/2016 to assist with maximum funding checks. 

APPLYING THE NEW DIVIDEND ALLOWANCE

Following our article in July’s Techtalk we consider the new dividend allowance from the perspective of a personal investor and a shareholding director. 

BUDDYING UP: BLOCK TRANSFERS, SCHEME LEVEL PROTECTED TAX FREE CASH AND PROTECTED RETIREMENT AGES 

We explain the block transfer rules that enable people with scheme level protected tax free cash and/or an early pension age to keep these entitlements after transferring. 

THE TAXATION OF PENSIONS AND ISAS COMPARED 

For the time being pensions can still offer significant tax advantages over ISAs. The changes to pension death benefits also mean that for wealthy clients, withdrawing from pensions to fund retirement may not always be the obvious choice.

WORKPLACE PENSIONS – WHAT DO EMPLOYEES LIKE MY CLIENTS THINK? 

We link insights from the latest Scottish Widows Workplace Pensions Report to our new ‘Employees like mine’ tool.  

GOOD HOUSEKEEPING 

Good pension scheme governance becomes even more important under automatic enrolment when members may have no involvement beyond having contributions deducted from salary. This article looks at what’s needed and possible different structures.

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Retirement, Pensions