We hope that you can join us for a seminar that’s in your area.
You can register for the session below where Nersen Pillay, Investment Director for Royal London Asset Management, will share his insight on why 'It is crucial to be global, diversified and active'. Joined by Clare Moffat, Head of Business Development, who will present 'The business owner'.
The session will have a running time of around 90 minutes, with food and refreshments available beforehand.
A CPD certificate of 45 minutes will be offered for each of the speaker's sessions.
With volatility in markets resulting from a long economic expansion, trade wars, middle eastern tensions and the challenges of dealing with negative bond yields and equities bouncing sharply this year, Nersen Pillay will discuss why 'It is crucial to be global, diversified and active' and talk about our current global multi asset views.
Nersen Pillay - Investment Director, RLAM
Nersen Pillay is Investment Director in the Multi Asset team, working on tactical asset allocation and the communication of investment strategies. After studying economics at the University of Cambridge, Nersen joined Barclays Global Investors in 1995, where he became an Associate of the Society of Investment Professionals, and was involved in market strategy and ran active quant portfolios. After that, Nersen was a fund manager at Allianz Global Investors, working on global equity and multi-asset portfolios. Subsequently, Nersen has developed his global investment and client experience at Morgan Stanley, Citigroup and Haitong Securities, before joining Royal London Asset Management in March 2017. Nersen has over 21 years of investment experience.
In this presentation we will highlight the rise in business owners and we will discuss some of the implications in terms of the need for financial planning. We then consider the importance and benefits of pensions before looking at the implication of the annual allowance and the potential for the tapered annual allowance to apply to the business owner.
We then go on to consider the limited company, the wholly and exclusively rule and how taxation of dividends works. In terms of extracting profits, the three options – salary, dividends and pension contributions are compared.
In the final section we consider the various options a business owner has on retirement. We consider pensions and other wrappers but also using the proceeds from a pension fund to purchase a property and the implications of death on these strategies.
Clare Moffat - Head of Business Development, Royal London
Clare qualified as a lawyer and Notary Public in September 2002 and is a member of the Law Society of Scotland. Post qualification Clare spent 5 years at Aegon Scottish Equitable in the legal department focussing on protection products before moving to Pinsent Masons LLP in November 2007. While at Pinsent Masons, Clare acted for many different pension providers there before moving to Prudential for over 6 years and ended up leading the pensions side of the external facing technical team which involved presenting, writing articles for the press and developing adviser facing content. Clare joined Royal London in May 2018.