Reader Guides
Please click on the relevant guide and complete a simple form to request a copy of the Daily Telegraph or Sunday Telegraph Guides that interests you.
If you would like to speak to a member of the SFS Inheritance Tax team, please call 0800 085 0266. Alternatively, request a call back and Skipton Financial Services will contact you.
We all hope to pass something on to our loved ones when we pass away. Inheritance Tax has not gone away and is now more complicated than before as it affects each of us differently.
However, there are some simple solutions that you can put in place that allow you to keep control of your estate whilst keeping it protected from this often unnecessary tax.
Having worked hard all your life to build your financial portfolio and assets, it’s upsetting to know that 40% of everything over £325,000 if you are single or divorced or £650,000 if you are married, in a civil partnership or widowed could be given back to the Government in IHT.
Our simple guide will help you find out how we could help you to reduce or even eliminate this unnecessary tax.
Investing is not the same as saving. Savings are generally accepted as money you might need to get at quickly or that you are setting aside for an expense coming up fairly soon. Most investment products, on the other hand, are usually considered as suitable for money that you can put aside for a minimum of five years.
The aim of this guide is give you an insight into the questions you should be asking yourself before you buy investments together with which and how to buy funds that will – hopefully – generate you better returns.
"Successful saving and investing is sometimes compared to growing asparagus. You should always have started five years ago." The reason is that there are many different forms of financial assets and ways to use them. There is no single answer that is right for everyone; even the same individual’s needs and objectives will vary over time.
This guide is intended to help savers and investors assess strategies for accumulating, preserving and enjoying wealth.
With Profit Bonds were one of the most popular investments of the 1990s. they were designed to smooth stock market returns and pay regular bonuses plus a terminal bonus on encashment. There is however great disparity in the performance of With Profit bonds and in addition many have complicated guarantees attached to them which the unwary investor could fail to utilise.
This guide provides valuable guidance and information surrounding these investments which will be useful to any person who holds one but is unsure what their next steps should be.
The best With Profits funds delivered more than double the returns of their weakest competitors over the last 10, 15, 20 and 25-year periods, according to an authoritative analysis by the specialist magazine Money Management in April, 2006. This also found wide variations in asset allocation or the ways in which these funds set out to serve investors. As we shall see, when it comes to distinguishing good from bad investments - those worth holding onto compared to those which should be encashed - the devil is in the detail.
This guide is intended to provide general guidance to the issues on your With Profit Bonds which should be considered with the assistance of an authorised adviser