Pension advice, Investments, Mortgages, Life Assurance, Auto Enrolment - Glasgow.

Good independent financial advisers can be very hard to find. At Malory Investment Services Limited, we aim to work with you to identify financial solutions that best match your needs.

Blind to disaster? Blind to opportunity.

Would you call yourself part of the
ostrich generation? Well, don’t
bury your head in the sand!

Simply contact us, or fill in the form
to the right and we'll help you view
your horizons afresh...

Pension Auto Enrolment.
FREE No obligation advice.

Did you know, from 2012, all employers with one worker or more will be required to enrol all eligible jobholders into a workplace pension scheme and will also need to make an employer contribution. This is known as automatic enrolment. 

This is the first time employers have been required by law to contribute to their workers’ pensions.

Who is affected:

  • Employees ages between 22 and state pension age (and not in a qualifying pension scheme)
  • Minimum employer contributions of 3% and minimum total contributions of 8% (8% includes basic rate tax relief on employee contributions).
  • If the employer pays the minimum, then the 8% total contribution will comprise: Employer 3%; Employee 4% and Tax Relief 1%.
  • Qualifying earnings will be total earnings (i.e. not restricted to base salary) falling within an earnings band, the proposed band is £7,475 to £33,540.
  • Sourse: Pensions Act 2008, The Occupational and Personal Pension Schemes (Automatic Enrollment) Regulations 2010. Making Auto Enrollment work, Report for the DWP October 2010.

The Government option is called National Employment Savings Trust (NEST) and is open to all employers. There are other options available, which can be better for the employer and his employees in several ways, with no greater cost outlay.

This is where we can help, DON'T DELAY. contact us TODAY.

Further details on pensions reform can be found at www.dwp.gov.uk/policy/pensions-reform.

Auto Enrolment advice is not regulated by the Financial Conduct Authority.

A PENSION IS A LONG TERM INVESTMENT, THE FUND MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION. INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAX LEGISLATION AND REGULATIONS.

 

 

FREE No obligation advice.
Help is here. Register now.

There are other options which can be better for the employer and their employees in several ways, with no greater cost outlay.

Please fill in the form below and a friendly expert will call you back.

Full Name *

Email *

Phone *

What service do you require? *

Anti-spam: *
Captcha Code

Click the image to see another captcha.

Please insert the letters and numbers shown in the image

 

Select a service below to read more on Malory Investment Services financial solutions

Investments - With so many different types of savings and investments we are happy to advise you on which is best for you.

Investments

With so many types of savings & investments we are happy to advise you on which is best for you.

Invest in your future...

Pension Planning - We can identify what you need to save towards your retirement and prepare for a comfortable future.

Pension Advice

We can identify what you need to save towards your retirement and prepare for a comfortable future.

Plan for your retirement...

Mortgage Advice - We determine your need and affordability, explaining the buying process and methods of repayment.

Mortgage Advice

We determine your need and affordability, explaining the buying process and methods of repayment.

Make the right move...

Life Assurance - Provide piece of mind knowing that your loved ones can be financially secure and avoid financial hardship.

Life Assurance

Piece of mind knowing that your loved ones can be financially secure and avoid financial hardship.

Protect your family...

Inheritance Tax - Independent Financial Advice can provide you with tax mitigation strategies to reduce your tax liability.

Inheritance Tax

Independent Financial Advice can provide you with tax mitigation strategies to reduce your tax liability.

Pay less, gain more...