Q. I am the owner/manager of a small local business that employs approximately 20 people. I was expecting to have to enrol automatically those employees into a “qualifying workplace pension” in the coming years. However, a friend has told me that he read a newspaper article recently that stated that there is an exception to… Read more »
Q. I have just completed my university studies and I am about to commence employment on a graduate training programme. I am living at home and will therefore have excess income. My parents have encouraged me to save into an ISA, but I know very little about them. Can you explain what is an ISA… Read more »
Q. I am in my mid-fifties and I have recently inherited a significant amount of money following the death of my mother. I have decided to purchase an investment bond, as I have no immediate need for the money and I would like to provide for my grandchildren’s’ further education. A friend has suggested that… Read more »
Q. I am approaching retirement. I have heard that the government is bringing forward it plans to introduce a single-tier state pension and will, at the same time, increase the number of qualifying years required in order to receive a full state pension. I am concerned that I may not have sufficient years of employment… Read more »
Q. I am a Higher Rate taxpayer and, as such, my marginal rate is 40%. I am a member of my employer’s group personal pension scheme and contribute to the scheme via my employer’s payroll. I had understood that I received tax relief on my contributions, but a colleague has told me that I can… Read more »
