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January 2016 – insider newsletter

11 January 2016

calculator and desk April Newslestter

Welcome to your first Insider Newsletter of 2016.

In this edition, the following topics are discussed:


Preparing for the national living wage

The national living wage of £7.20 an hour for workers aged 25 and over will come into effect on 1 April 2016.

Help to buy ISAs popular in first month

Two thirds of potential home buyers plan to use the Help to Buy ISA scheme to save a deposit for a home.

New state pension: a guide

The new state pension comes into effect from 6 April 2016 but research has found that many savers don't understand the changes.

Key changes

You will get your state pension under the current rules if you have already started receiving the state pension or reach state pension age before 6 April 2016.

How it's calculated

The government will use your NI record to calculate your 'starting amount'


Once you know your starting amount you can begin planning - is your starting amount more or less than the full state pension?

Finance Bill 2016 passes through parliament

The Finance Bill 2016 passed through parliament in December 2015. This bill puts into law many of the measures announced by the Chancellor in his Budget and Autumn Statement speeches.


To view this article in full, please click here.


If you require more information on one of the above topics, please do not hesitate to contact a member of the team on 01772 741200.

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