https://ledgertouch.com/blog/planning-and-costs/buy-to-let-section-24-finance-cost-restriction LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z Buy-to-Let After Section 24: the Arithmetic That Changed https://ledgertouch.com/blog/planning-and-costs/car-finance-pcp-hp-lease-cash-compared LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z Car Finance Compared: PCP, HP, Lease and Paying Cash https://ledgertouch.com/blog/planning-and-costs/debt-payoff-order-avalanche-versus-snowball LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z Avalanche vs Snowball: £687 on a £10,000 Debt https://ledgertouch.com/blog/planning-and-costs/espp-discount-annualised-return-lookback LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z ESPP Discount Maths: 15% Off, 70% a Year https://ledgertouch.com/blog/planning-and-costs/fixed-versus-variable-mortgage-rates-historical-record LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z Fixed vs Variable Mortgages: 270 Start Dates, £84,767 Apart https://ledgertouch.com/blog/planning-and-costs/mortgage-overpayment-vs-investing-tax-adjusted LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z Mortgage Overpayment vs Investing: the Tax-Adjusted Maths https://ledgertouch.com/blog/planning-and-costs/offset-mortgage-taxable-equivalent-savings-rate LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z Offset Mortgage Maths: 4.82% Tax-Free Is 8.03% Taxable https://ledgertouch.com/blog/planning-and-costs/rsu-tax-uk-vest-withholding-gap LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z RSU Tax UK: What a Vest Actually Costs You https://ledgertouch.com/blog/planning-and-costs/uk-credit-score-agency-scales-lender-models LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z UK Credit Scores: You Have Several, Lenders Use None https://ledgertouch.com/blog/planning-and-costs/uk-tax-advantaged-share-schemes-compared LedgerTouch Intelligence en 2026-08-09T01:24:09.413Z EMI, SAYE and SIP Compared: Tax at Every Stage https://ledgertouch.com/blog/planning-and-costs/asset-location-isa-pension-taxable-account LedgerTouch Intelligence en 2026-08-08T20:43:15.080Z Asset Location: What Belongs in an ISA and What Doesn't https://ledgertouch.com/blog/planning-and-costs/cost-investing-uk-layers-ranked LedgerTouch Intelligence en 2026-08-08T20:43:15.080Z The Cost of Investing in the UK: 0.49% Across 7 Layers https://ledgertouch.com/blog/portfolio-risk/fund-factsheet-line-by-line LedgerTouch Intelligence en 2026-08-08T20:43:15.080Z How to Read a Fund Factsheet, Line by Line https://ledgertouch.com/blog/planning-and-costs/isa-vs-pension-arithmetic-tax-bands LedgerTouch Intelligence en 2026-08-08T20:43:15.080Z ISA vs Pension: the Arithmetic at Each Tax Band https://ledgertouch.com/blog/planning-and-costs/retirement-capital-from-observed-spending LedgerTouch Intelligence en 2026-08-08T20:43:15.080Z How Much You Need to Retire: the Spending Arithmetic https://ledgertouch.com/blog/portfolio-risk/size-premium-after-banz-microcaps-seasonality LedgerTouch Intelligence en 2026-08-08T19:59:47.117Z The Size Premium After Banz: 45 Years, -0.30% a Year https://ledgertouch.com/blog/planning-and-costs/annuity-vs-drawdown-break-even-age LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Annuity vs Drawdown: The Break-Even Age at 5% Growth https://ledgertouch.com/blog/markets/bond-funds-versus-individual-bonds-crossover LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Bond Funds vs Individual Bonds: Where the Crossover Falls https://ledgertouch.com/blog/markets/commodity-index-return-spot-roll-yield-collateral LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Commodity Returns: Spot, Roll Yield and the T-Bill Leg https://ledgertouch.com/blog/markets/credit-spread-decomposition-default-loss-premium LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Credit Spreads: What the Extra Yield Actually Pays For https://ledgertouch.com/blog/planning-and-costs/critical-illness-definitions-severity-thresholds-claims LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Critical Illness Cover: Gleason 7 and the 24-Hour Test https://ledgertouch.com/blog/markets/currency-conversion-cost-uk-platform-fx-charges LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Currency Conversion Costs: 0.25% to 0.99% on UK Platforms https://ledgertouch.com/blog/planning-and-costs/fund-domicile-withholding-tax-estate-exposure LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Fund Domicile and Withholding Tax: 15% Either Way https://ledgertouch.com/blog/planning-and-costs/life-cover-needs-calculation-term-length LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z How Much Life Cover, and For How Long: The Calculation https://ledgertouch.com/blog/portfolio-risk/low-volatility-anomaly-beta-sorted-returns LedgerTouch Intelligence en 2026-08-08T19:56:10.540Z Low Volatility Beat the Market at Half the Risk https://ledgertouch.com/blog/planning-and-costs/backdoor-roth-pro-rata-rule-form-8606 LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Backdoor Roth: The Pro-Rata Rule That Ruins It https://ledgertouch.com/blog/planning-and-costs/bed-isa-cost-cgt-payback LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Bed and ISA: What It Costs and What It Buys https://ledgertouch.com/blog/planning-and-costs/nominee-accounts-legal-beneficial-ownership-shares LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Nominee Accounts: Who Legally Owns Your Shares https://ledgertouch.com/blog/planning-and-costs/pension-annual-allowance-taper-carry-forward LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Pension Annual Allowance: the Taper and Carry Forward https://ledgertouch.com/blog/planning-and-costs/required-minimum-distributions-divisor-penalty LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Required Minimum Distributions: The Divisor and the Penalty https://ledgertouch.com/blog/planning-and-costs/salary-sacrifice-national-insurance-arithmetic LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Salary Sacrifice: the National Insurance Arithmetic https://ledgertouch.com/blog/portfolio-risk/securities-lending-fund-revenue-split LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Securities Lending: the Manager's Cut, 7.7% to 37.5% https://ledgertouch.com/blog/planning-and-costs/total-cost-owning-fund-every-layer LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z The Total Cost of a Fund: 0.20% Headline, 0.65% Paid https://ledgertouch.com/blog/planning-and-costs/uk-investment-tax-rates-allowances-table LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z UK Investment Tax Rates and Allowances: 2026 to 2027 https://ledgertouch.com/blog/planning-and-costs/voluntary-national-insurance-class-3-payback LedgerTouch Intelligence en 2026-08-08T14:56:25.985Z Voluntary National Insurance: What a Class 3 Year Buys https://ledgertouch.com/blog/planning-and-costs/401k-vs-ira-match-menu-creditor-protection LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z 401(k) vs IRA: What Each Account Is Actually Better At https://ledgertouch.com/blog/planning-and-costs/accumulation-income-units-excess-reportable-income LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Accumulation vs Income Units: Taxed on Cash You Never See https://ledgertouch.com/blog/markets/bond-duration-rate-move-price-impact LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Bond Duration: What a 1% Rate Move Actually Costs https://ledgertouch.com/blog/portfolio-risk/etf-creation-redemption-price-nav LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z How ETF Creation and Redemption Keeps Price Near NAV https://ledgertouch.com/blog/planning-and-costs/fscs-protection-limits-deposits-investments LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z FSCS Protection: £120,000 Deposits vs £85,000 Investments https://ledgertouch.com/blog/planning-and-costs/income-protection-incapacity-definitions-claims-declined LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Income Protection: The Definitions That Decide a Claim https://ledgertouch.com/blog/markets/index-linked-gilts-tips-inflation-uplift-lag LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Index-Linked Bonds: The Uplift, the Lag, and 2022 https://ledgertouch.com/blog/planning-and-costs/isa-rules-flexible-transfers-death LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z The ISA Rules That Bite: Flexibility, Transfers, Death https://ledgertouch.com/blog/portfolio-risk/momentum-premium-crashes-turnover-costs LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Momentum Pays 6% a Year. Then It Crashes 78%. https://ledgertouch.com/blog/planning-and-costs/pension-tax-relief-at-source-versus-net-pay LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Pension Tax Relief: Relief at Source vs Net Pay https://ledgertouch.com/blog/portfolio-risk/physical-versus-synthetic-etf-replication LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Physical vs Synthetic ETFs: the 10% Counterparty Cap https://ledgertouch.com/blog/planning-and-costs/platform-fee-comparison-flat-percentage-crossover LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Platform Fees: Where a Flat Fee Overtakes a Percentage https://ledgertouch.com/blog/portfolio-risk/reits-vs-direct-property-appraisal-smoothing LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z REITs vs Direct Property: Same Buildings, Different Risk https://ledgertouch.com/blog/portfolio-risk/tracking-difference-versus-tracking-error LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Tracking Difference vs Tracking Error: The 0.32% Gap https://ledgertouch.com/blog/planning-and-costs/uk-dividend-savings-tax-marginal-rates LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z UK Dividend and Savings Tax: When 20% Becomes 45% https://ledgertouch.com/blog/planning-and-costs/uk-inheritance-tax-thresholds-rnrb-taper LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z UK Inheritance Tax Thresholds and the 60% Taper Zone https://ledgertouch.com/blog/planning-and-costs/uk-share-matching-rules-section-104-pool LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z UK Share Matching Rules: Same Day, 30 Days, Section 104 https://ledgertouch.com/blog/portfolio-risk/value-premium-after-publication-decade-returns LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z The Value Premium After 1992: 1.5% a Year, Not 4.8% https://ledgertouch.com/blog/planning-and-costs/wash-sale-rule-61-day-window-ira-trap LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Wash Sale Rule: The 61-Day Window and the IRA Trap https://ledgertouch.com/blog/markets/yield-curve-inversion-recession-lead-times LedgerTouch Intelligence en 2026-08-08T09:51:39.368Z Yield Curve Inversion: Every Lead Time Since 1966