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A new pension deal for the self employed
In April 2015, the Government announced it intended to abolish class 2 National Insurance Contributions and replace them with a new system for the payment of Class 4 NICS. On 5th December they...
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Time to dig this Government out of its hole?
Tax, national insurance and pensions policy should be put in a vault marked “toxic” and should be handled with extreme caution. This morning I have three toxic issues to prove my point. The fiasco of...
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Giving the self-employed their “pensions due”.
The budget announcement of a phased 2% increase in Class 4 National Insurance Contributions (NIC)s was generally considered bad politics but could it be good policy? In pension circles, any changes to...
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Nice perk if you can get it! Pension Exclusion in the UK.
Nice perk if you can get it! When Guy Opperman became Pensions Minister , he close to have the words ” financial inclusion” inserted into his title, now is the time for him to prove his title’s worth....
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“Mind the width – improve the quality” #Pensions must “include” properly!
When Guy Opperman became Pensions Minister , he had” financial inclusion” inserted into his title; now comes his challenge. According to Government statistics, there are 675,000 qualifying workers in...
View ArticleAn inflation-busting “pay-rise” for low earners – but “who pays?”
The Government’s announced that for pay periods starting on or after 1st April 2020 the National Living Wage (NLW) will increase by 6.2% – four times the rate of inflation. The NLW (for over 25 year...
View ArticlePension tax-relief – a fact based argument for change.
The change I am suggesting would turn pension taxation on its head, it would mean pension contributions would be taxed at more than 60% for high earners but that the lowest earners would be exempt...
View ArticleThere will be cracks in care funding – that’s how the light gets in.
Today we have had it confirmeded that in exchange for a substantial increase in national insurance – to fall on those in work, those past work will be comforted that they will have their care fees paid...
View ArticleWe have to earn our tax cuts
Earnings come from work – productive work. Earning pay for things – they provide us with the means to pay household bills and the nation to meet its obligations to its citizens. This week we saw one...
View ArticleNational insurance and the funding of the state pension
There are plenty of people, especially young people, who don’t believe they will get the state pension. We all vaguely recognise a link between national insurance and pensions, so when people hear the...
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