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anderson LLOYD llp
Forward thinking financial solutions.

 

Welcome to our April newsletter

We've launched an apprenticeship programme!

We've launched an apprenticeship programme in a bid to fill what is fast becoming a massive gap in the industry.

In March, 18-year-old Jared Kiszczuk became the first of what we hope will be many apprentices to join our Truro office.

Over the next few years he will study at both Truro College and in the workplace, gaining valuable practical experience and recognised, relevant qualifications, with a view to becoming a qualified Independent Financial Adviser (IFA).
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An appeal to the over 65s

The appeal is not being made by Anderson Lloyd, but by the Chancellor - who would like pensioners to give him a vote of confidence in the General Election.

It comes in the form of Pensioner Bonds with NS&I. They are guaranteed growth bonds with a one-year bond providing 2.8% net of tax - with the two-year version returning 4%. Compared with Government Gilt Edged Securities, these returns are generous.

Each Bond has a limit of £10,000, so a couple could buy four of them - two one-year bonds and two two-year bonds and therefore invest some £40,000.

The open market doesn’t seem to offer anything near these interest rates.

However, it’s worth spending some time thinking through whether or not they are right for you.

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Modern Day Highwaymen

‘Stand and Deliver!!’ they used to cry as they preyed upon weary travellers. Translated it meant don’t try and run away - pass over your valuables.

In the modern age, the highwaymen sit at the end of the telephone or in front of computer screens - even more faceless than their predecessors. Their targets keep changing and now it seems that anyone over the age of 55 with a pension pot is likely to be preyed upon.

The mask they wear these days is as silken as a spider’s web. They masquerade as official government sponsored organisations, like the Pension Regulator or Pension Wise - who have been asked to give guidance on the new pension freedoms.

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Pension freedoms are here

We’re entering what’s been heralded as the new pension age - where we apparently have much more freedom than ever before and should be free to use our pension pots as we see fit.

Talk to any Independent Financial Adviser and you will find that they’ve been offering the same wide range of possibilities to those who had the sense to seek advice for the past twenty years - including withdrawing the whole fund as a triviality payment if it was below £15,000.

Click on the video link to hear David talking about pension freedoms.

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Everyone's circumstances are different, so why not work with a Financial Adviser at Anderson Lloyd and explore all the options available - and what's right for you!

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