Articles addressing a wide variety of pertinent financial issues from inheritance tax mitigation to investment management are provided below. Articles and papers are written on a regular basis so please revisit this section to receive up-to-date and informative information. If you would like to discuss the content of any article or how you own situation could be affected please feel free to contact Christian Ward on 020 7073 2956 or via email at christian.ward@collinsward.com. To read a downloaded article, you need the latest version of Adobe Acrobat Reader that can be downloaded here. 23rd May, 2008 How effective are discounted gift trusts for inheritance tax planningMost financial advisers recommend Discounted Gift Trusts to clients wishing to minimise inheritance tax. However, this paper shows that Reversionary Interest Trusts and Tax-efficient Discounted Gift Trusts are superior in most instances, as they offer greater flexibility and tax-efficiency. It is imperative that specialist independent advice is sought for access to these highly specialised schemes.
26th February, 2008 Pensions 40% tax relief not enough does 400% sound more tempting?It is common knowledge that higher rate taxpayers can receive tax relief at 40% on pension contributions. Less commonly known is that it’s possible to receive effective tax relief of well over 100%, and sometimes as high as 400%. In the right circumstances this can be achieved with straightforward and uncontroversial planning.
10th January, 2008 The Human Brain – are we programmed for investment success?Looks at why the natural behavioural biases of humans predispose us to make poor investment decisions. Highlights the most common mistakes that investors make, and reveals the substantial long-term loss to investors caused by these repeated mistakes. Required reading for all would be investors. Where are the Customers' Yachts?5th September, 2007 “This article reviews the scale of high charges prevalent in the UK Investment industry, and warns of the dangers of only taking into account disclosed costs.” The Loser's Game5th May, 2007 “This seminal paper, although unconventional and controversial when it was first published in 1975, has proved to be one of the most pragmatic and interesting pieces ever written. It’s easy to understand language belies the wisdom of the content, which remains as valid in today’s investment markets as it did in the 1970’s.”
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