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Insight Financial Associates

What’s happening to the tapered annual allowance?

What’s happening to the tapered annual allowance?

There has been much talk in the financial press recently of proposed changes to the threshold for the tapered annual allowance from £110,000 to £150,000. The taper was introduced in 2016 and gradually reduces the annual allowance for those on high incomes. For every £2 of adjusted income above £150,000 a year, £1 of annual …

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What are the proposed changes to IHT for siblings

What are the proposed changes to IHT for siblings?

At the moment, only those who are married or who are registered civil partners are exempt from paying inheritance tax (IHT) on money or property left to them by their spouse. This was expanded to include heterosexual civil partnerships at the end of 2019. But the law does not cover siblings who are cohabiting. They …

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The link between human behaviour and investing

The link between human behaviour and investing

Financial planning… Isn’t that based on cold, hard facts and scientific reasoning? Surely feelings and emotions don’t have much to do with investing?         We think they do. And here’s why. A little thing called human behaviour gets involved, you see. Only it’s not so little. Human beings are highly complex systems, motivated by many different factors …

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February market commentary

February Market Commentary

China grabbed the headlines again in January, but this time not for trade. On 31st December, the Chinese authorities had notified the World Health Organisation of an outbreak of pneumonia in Wuhan City, Hubei Province. Today the country is in lockdown, the death toll is rising fast, the number of infected is rising faster.  The …

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