Tax-efficient investment for the modest saver

Article Abstract:

Before deciding on the appropriate form of investment, one must first find out in what category the saver belongs (such as well established, just starting in life, or retired) and whether the investment will be short- or long-term. One should also make certain that he has funds available for immediate withdrawal to cover daily needs. It is also a good idea to have enough funds in the account to avoid bank charges. Britain's National Savings Bank offers accounts paying low interest rates that can be used as current accounts as long as modest minimum deposits are maintained to avoid charges. Some banks also offer high-interest accounts. The National Savings Bank also offers indexed income bonds, savings certificates and the yearly plan, which are exempt from capital gains tax and income tax. Monthly savings can also be placed in a building society account or the National Trust or a retirement annuity contract. One might also consider buying a more expensive home, since the growth potential of a more expensive residence should be larger.

Analysis, Economic aspects, Financial planning, Investors, Investment analysis, Securities analysis, Annuities

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FA 1984 and the tax-based investment market

Article Abstract:

Britain's Finance Act of 1984 makes long-term leasing of equipment and facilities less desirable from a tax standpoint after March 1985. Conversely, the short-term lease is attractive for the investment tax credits it makes available to corporations prior to March 1985. The Finance Act is part of Britain's plan to reduce corporate tax rates (from their current 38 to 50 percent maximum to a maximum of 35 percent by 1985), while reducing tax shelter opportunities and tax investment incentives. The tax reforms will change Britain's leasing industry dramatically.

Tax reform

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Property investment: dinosaur or phoenix?

Article Abstract:

Real estate in the UK is again becoming a good investment for pension funds. Real estate contributes to diversification of risk and is less volatile than equities or gilts. The appropriate range for pension fund investment in property would be 15-20%. Valuations should be conducted annually by the property fund manager, using the firms WM Co or IPD as a data base resource. It is not necessarily to evaluate property on its long-term value, as this changes.

Accounting, Real estate, Real property

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