IntyGritty Moneytree Pvt. Ltd’s Post

Segmented Wealth Creation involves recognizing the various pockets of wealth that business owners possess. Take advantage of the largest corporate pension deduction available under the Income Tax Act to optimize your financial future. The RRSP/IPP Wrap is a strategic tool you shouldn't retire without. Know your numbers. They are higher than you might think.

Investing is sending your hard-earned cash that you can spare now to use later. Simple! Or is it? Can you comfortably answer the following questions: ◾️     What do I want to achieve - income, growth, or both? ◾️     What timescale - must be at least 5 years. ◾️     What risk am I prepared to take? Will I lose sleep with market volatility? ◾️    What is my current tax position now and later? ◾️    What asset to invest in? Selecting direct shares & bonds or a fund. ◾️    Which solution is most appropriate to my goal? ISA, Pension, Investment Bonds, Venture Capital Trust, Enterprise Investment Scheme, and General Investment Account. Or should I keep my cash in the bank to rest and lose value due to inflation? So, how comfortable are you with making the decision? 🧐 Added bonus: You should also be able to answer a few of those questions for your workplace pension!

Savings Versus Investment Generally Savings and Investments are used the same, but this is not true. Savings; Savingn = Earning - expenses , just difference between your salary amount and monthly expenses. When comes to deposit, people use the short term deposits/ short-term securities which are highly liquid . Investments; Earned money-Investment = Expenses Investment is the committed savings with an expecation of higher returns. When people are Investing they use real estate, capital market financial Instruments (stocks, bonds). Both savings and Investments have different objectives as savers tend to save to address short term goals/needs, however investors have long term goals, such as building retirement corpus, higher education and marriages of children.

🏝 🏝 My very dear friend Paul Kerin and I have just released the latest episode of our 'Question in a Bottle' podcast 🌴 🌴. This time Edward Brown asks “How might the Budget affect your investments?” This was hailed as a Budget for growth and it is my sincere hope that this is what we achieve as it is to all our benefit. However for some time we have been living in the realm of the Big State and my concern is that we are just going further down this road. The UK has been ‘enjoying’ meagre GDP growth for years and during this time our population has been growing, per capita we are not any better off. Big tax, big spend does not tend to work when it comes to stimulating growth. There is a difference between ‘investing’ and ‘spending’. There was some clever politics within the Budget. The increase in NI employer contributions does not apply to the Public Sector and the bringing Defined Contribution Pensions within the scope of IHT from April 2027 again does not impact the Public Sector pensions where there is no pot to tax. Per pound invested by the employee Public Sector pensions are far superior to Private Sector. One saving benefit of the latter was that they were exempt from IHT. This Pension IHT grab will now go into the general taxation pot and I am sure some of it will make its way across to paying those superior Pensions within the Public Sector. If you rob Peter to pay Paul you are guaranteed Paul’s vote. There are to be reforms on non doms and this is to change to residency based rather than domicile. My understanding is that a by product of this is that this will benefit ‘Brits abroad’ who will be able to shake off the sticky nature of domicile and have greater confidence of their IHT situation. Next week I’ll be off as usual Wintering in Mauritius 🇲🇺 which is tax light including no capital gains tax or inheritance tax. I might just be having a visit to the Estate Agent at Black River. I am a private investor and not an estate planner which is a specialist skill and in this last week have reached out to Niall Allardice of Fundsmith and Antony Keen of PM+M Solutions for Business LLP. Thank you gentlemen for your sage counsel and helping me identify my options. This podcast is generously hosted by the good people of Progressive Equity Research. Watch on You Tube - https://lnkd.in/dbqTvgUg Listen on PER - https://lnkd.in/dxzeQmb8 #budget #iht #aim #fundsmith #mauritius

In Mercer's latest UK investments update, James Lewis, the UK Chief Investment Officer, explores three topics: 1. Volatility: James discusses how instability continues to be a factor in the investment landscape, emphasising the need for careful portfolio construction and asset allocation. 2. Pension Funding Code: The update provides a breakdown of the code, highlighting how it can offer flexibility for funding and investment strategies. 3. End Game Options for DB Clients: James explores the various options available, including buyout, running on, and surplus management. Find here the full update and more expert analysis from James: https://bit.ly/4dS4xhM

𝗗𝗲𝗰𝗼𝗱𝗶𝗻𝗴 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝘀❗ Defined Contribution Plan vs. Defined Benefit Plan — Understanding the key differences to make informed choices for your future. #Finance #DailyFinance #FinanceKnowledge

The wealth management industry is dividing into two distinct jobs: Investment Manager: trades your account. A Financial Planner considers: cash flow, tax, insurance, education funding, retirement funding, estate, business planning, equity compensation. You want the second one.

Tuesday 21st May 2024, 12.30pm & 7pm Are you a healthcare professional looking to secure your child's financial future but unsure where to start? Join us for an exclusive webinar tailored specifically for doctors, exploring a range of saving and investment options to support your child's financial journey. In this engaging session, we will dive into: - Children's Savings Accounts: Discover the best accounts to kickstart your child's savings journey, understanding their benefits and how to maximise returns. - Junior Cash or Stocks and Shares ISAs (JISAs): Learn about the tax-efficient way to invest in your child's future, the differences between cash and stocks options, and how to choose the right one for your family. - NS&I Premium Bonds: Explore how these government-backed bonds can offer a secure, yet exciting, investment opportunity for your child's savings. - Children's Pensions: Yes, it's never too early! Understand the long-term benefits of starting a pension for your child and how it can contribute to their financial stability in adulthood. Don't miss our Interactive Q&A Session! Whether you have specific questions or seek general guidance, our experts will be on hand to provide you with the insights you need to make informed decisions. Register now – https://bit.ly/3QJsi24

The wealth management industry is dividing into two distinct jobs: Investment Manager: trades your account. A Financial Planner considers: cash flow, tax, insurance, education funding, retirement funding, estate, business planning, equity compensation. You want the second one.

💰💰💰 Do you have cash sat on your balance sheet that you don't know how to maximise the value of? Here's a few thoughts on how best to make the most of it:* 💸 The best investment vehicle will look different depending on a number of factors, including: How hands-on you’d like to be with your investments ✅ The level of returns you’re looking for ✅ How long you’re happy to invest for ✅ The sectors you choose to invest in ✅ Whether you’d like to explore alternative investments or stick to basic financial instruments 👇 Here are just some of the most popular options: 🚀 Funds – There are wide-ranging options like mutual funds (that allow you to invest in a portfolio or bonds, securities and stocks) and sector-specific vehicles like real estate funds. 💥 Trusts – You pool your money with other investors to invest broadly or in a specific sector/area of the market. 🧠 Pensions – Making employer pension contributions is a tax-efficient way of investing, though it means you won’t be able to access your funds until you’re 55+. 📈 Individual stocks – You could invest directly in another company or a number of companies if you believe they’ve got a bright future ahead. ❤️ Bonds – Government bonds (like premium bonds) are considered a safe investment, but you could also explore corporate bonds if you’re looking for higher returns. 🔑 Commodities – Tangible products, like gold, precious metals or oil. 📈 But want to know my number one pick? ACQUISITIONS. 🚀 Buying, or buying into, a business that helps you expand geographically, in terms of product or service offering, or one that means you 'acquihire' great people can create HUGE value uplift - IF DONE WELL. 🫡 Buying at the right price, with the right structure is easier than you may think, even if you 'only' have £100-£200k to invest with. ☎️ Want to find out more or know how? Please send me a DM and I will happily explain... * Always take professional advice before investing cash-at-hand as some options can have tax implications and may tie up free cash you may need for working capital etc.