Part 1 Contents AAA Investment Guide

Part 1 Contents in Detail

Below are the same Chapter headings with individual sections highlighted. Beginning of Part 1 Contents

Your Investment and Savings Strategy Savings or investments What is your money for? Your time scale How much you need to accumulate A rising income Your attitude towards risk Your tax rate Money tied up in your home A record of your investments Crossing cheques A/C payee	Best Investment Advice and How To Get It Which investment advice Which type of adviser Best investment advice Commission The advisers and their regulators Other regulatory organisations If you have to complain Protecting yourself
Keeping Down Your Tax Bill Income tax Income tax allowances and rates Exempt from income tax: investments, pensions, social security benefits Knowing your tax rate Minimising your tax Free tax leaflets	How Different Investments Are Taxed Tax free investments Interest with tax deducted Tax disclosure Interest not taxed before you get it Dividends and unit trust distributions Rents Life insurance policies Personal pensions and retirement annuities Accrued income Equalisation on unit trusts
Capital Gains Tax and Inheritance Tax Capital gains tax Exempt assets Indexation Unit or investment trust savings plan Tapering relief Non-resident exemption Gifts and gains tax Business assets Time to pay Business assets Free tax leaflets Inheritance tax Rates and limits Non-exempt gifts The Register of Conditionally Exempt Works of Art Exempt assets Excepted estates Free booklets	Spread Your Money Around Emergency fund Don't tie up your money for too long Compensation funds A longer term strategy Turning Income into Capital Borrowing and investing New Type "One" Accounts Investing to buy a home Investing towards a family Investing for holidays Investing for a car
How Best to Invest in Shares Buying new issues Buying individual shares Under 9,000 a year to invest Buying and holding Regular investment in shares Finding a stockbroker Fixing the price Be an active investor Be a speculator Nominee holdings and Crest Shareholder perks Building societies Click here for Shares A Beginners Guide to Making Money	Living and Working Abroad Tax on your earnings abroad Rent from your home while you are abroad and how to get tax relief on mortgage interest Tax relief on mortgage interest Residence and income tax Residence and capital gains tax
Saving Towards a Pension The State pension A job pension A personal pension Contribution limits Retirement annuity Not eligible for a pension When you need to draw a pension How much yearly pension	Wives' Income and Investments A wife's income Minimising tax on investment income Payment without deduction of tax Dividends Interest with basic rate tax deducted Getting a tax rebate Husbands with a low income Capital gains tax Wives over 65
Children's Investments and Trusts A child's income and tax allowance In his or her name Income from money given by parents Income from other money Child trust fund School fees Different types of trust Accumulation and maintenance trust Discretionary trust Trust income How to register trust holdings of National Savings Certificates	Giving Money to Adult Children Giving but not giving Lending money to a child Giving money away Specific trust or trusts Discretionary trust or trusts Offshore trusts A trust with interest in possession Buy a house or flat Not give the documentation Nominees Power of attorney
Change in Plan Redundancy Widows under retirement age Separated or divorced	Boosting Your Retirement Income Age allowance Married couples Juggling investments Tax effective investments Taxable pensions less than total tax allowances Marginal age allowance Summary The best income
Investment Summary Investing in shares Investing in property Index-linked investments Money back at once or in a few days Money back in a week to a month Money back in a month to a year Money back from 1 to 7 years Investments probably suitable for 8 years or longer Getting a monthly income How much interest	Other information Useful Web Addresses Unclaimed Assets Register How Much Interest (effect of compounding half-yearly, quarterly, monthly)

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