15 March 2006
The reaction to depolarisation has surprised and puzzled me. Some have called it a damp squib and its introduction seems to have been met with general apathy - a reaction that I believe grossly underestimates the far-reaching consequences that this restructuring of the industry will ultimately have.
Delivering and maintaining scaleable e-commerce to a large number of advisers has been a major challenge that many organisations have tried to address in recent years.
AbbeyCapital Guaranteed Japanese Equity Bond
AbbeyCapital Guaranteed UK Equity Bond
Abbey/Knight FrankCapital Guaranteed Residential Property Bond
Standard Life HealthcareEspritHealth
Allianz Global InvestorsAllianz RCM Bric Stars Fund
Interpretation of the settlement provisions is entering new territory in the Jones v Garnett case
Barclays FTSE Super Tracker - Issue H3
The threat of a major call on the Financial Services Compensation Scheme is stalking the industry as Berkeley Berry Birch is wound up.
I often get asked by IFAs what Isa I recommend. My first choice is Robin Geffen's Neptune global equity which has outperformed the S&P Global 100 Index by 115 percentage points - being up more than 166 per cent over three years to February 1 2006.
How can an employee minimise tax on a 700000 bonus from their employer?
How do firms develop a distinctive look? Giles Kidd-May a consultant representing Girardot
Britannic Asset ManagementArgonaut European Income Fund
I am not a happy bunny, with the equivalent of Play Your Cards Right being used to set the costs for the national pension savings scheme.
Cheshire Building SocietyThree-Year Discount
IFS head of faculty financial regulation Mark Roberts says those who can keep in step with changes in the civil partnership marketplace will see their business grow
I would like to see the regulator look at a company's outsourcing from every angle '
This week by The Independent personal finance editor David Prosser
Coventry Building SocietySelf Cert 5.10% Fixed to 31 05 08
A joint industry effort is needed to revive the critical-illness proposition
Guaranteed insurability Changes to policy definitions are a potential pitfall when looking to increase the sum assured on a policy and Nicola York says protection advisers could find themselves facing ombudsman claims if they fail to establish the basis on which any additional covers is written
JP Morgan is a famous name in the wholesale and institutional markets but, Philip Scott reports, it is now determined to make a major move into the retail sector with distribution through IFAs
F&C Asset ManagementUK Opportunities Fund
Fidelity InternationalFidelity MultiManager Equity Income Portfolio
Fidelity InternationalGlobal Property Fund
Fidelity InternationalGlobal Property Fund
Fund statistics show that investors are returning to equity investments in their droves but there have been some significant changes in the market shares of key providers in the run-in to this year's Isa season.
Key industry players have been rewarded for their outstanding performance at the LifeSearch annual protection awards with Royal Liver picking up the double whammy of most improved provider and best initiative being described as a breath of fresh air.
Franklin Templeton InvestmentsFranklin Mutual Global Discovery Fund
Regulator started whole-of-life business probe in 2003
Britannic Asset ManagementCartesian UK Opportunities Fund
An ex-punk-cum-Hip-provider endorses change in the homebuying process
It looks like the bad apples are back flogging plans based on commission levels
Insight Investments predicts that large sums of Sipp money will head into funds of funds after A-Day.
Guy Anker looks at the effect these new entrants are having on the market
The latest Barclays Capital equity/gilt study has provoked comment as it highlights the expensive nature of UK Government securities. A bubble has been created at the long end of the gilt market as a consequence of a severe imbalance between supply and demand. This, in turn, is a result of some well intentioned pension fund accounting and regulatory changes.
Ipswich Building SocietyTwo Year Fixed Rate
Speech by Lord Chief Justice could have implications for IFAs over Magna Carta rights
Isis Equity partnersBaronsmead Aim VCT
JO Hambro Capital Managements new continental select values fund aims for growth by investing in European companies excluding the UK. The performance of the fund will be measured against the FTSE Eurofirst 300 EX UK Total Return Index., but it will not be bound by benchmark weightings. The only constraint is a maximum stock exposure of 10 per cent.
Kensington MortgagesExtra Choices Two-Year Discount Medium
Kleinwort BensonProtected Linked Deposit I
Legal & GeneralUK Property Unit Trust
Larpent Newton & CoLondon Business Angels EIS Tracker Fund II
The Treasury select committee wants to interview FSA chief executive John Tiner about his views on the NPSS, Adair Turner's scheme for increasing pension savings without the need for FSA scrutiny. May we suggest a first question from the MPs as follows.
Leeds Building SocietyLight Impaired Base Rate Tracker
Leeds Building SocietyTwo Year Fixed Rate With Extended Lock In
Legal & GeneralUK Property Unit Trust
Threadneedle Investment's head of UK retail is related to polar explorer Ernest Shackleton and he has his own enthusiasm for outdoor pursuits as a keen rock-climber and he aims to scale the heights with investment fund performance to plant the firm's flag firmly at the peak. Interview by Philip Scott
Limelight Investment ManagementLimelight VCT
Liontrust Investment FundsFirst Opportunities Fund
WoolwichOpenplan 10 Year Flexible Fixed Rate
Pension funds' appetite for long-dated securities is bringing five-year and 10-year fixed-rate mortgage bargains says Andersen Charnley mortgage specialist Steve Smith (right) but the opportunity could be short-lived looks at the importance of brand building
MGM AssuranceInvestment Portfolio Bond
Midas Capital is making its CF Midas balanced income and balanced growth funds available to investment advisers through Fidelity's FundsNetwork platform.
Morgan Stanley Investment Management has made a further 26 Sicav funds available to UK investors through the creation of distributor share classes.
Morgan Stanley Investment ManagementSicav American Franchise Fund
Morgan Stanley investment ManagementSicav Asian Property Fund
MORGAN STANLEY INVESTMENT MANAGEMENTSicav European Systematic Fund
Morgan Stanley Investment ManagementSicav Global Brands
Morgan Stanley Investment ManagementSicav Latin American Equity Fund
Diversification seems to be this year's buzzword. With lenders such as Alliance & Leicester planning to move into sub-prime, near-prime, self-cert and buy to let later this year, the message seems to be that it is necessary to have a finger in every pie. Is this really the case or is there a danger of being jack of all trades and master of none?
Although the market has reclaimed significant ground since the dotcom bubble burst and technology share prices went into freefall, the risks of backing a single stock or sector are still fresh in people's minds.
The FSA has highlighted the existence of an outside training consultant who encouraged the use of whole of life plans as part of pension planning for clients at BBB.
Nationwide Building SocietyThree Year Fixed Rate Mortgage With Reservation Fee
Bristol & West4.39% Two Year Fixed Rate
We need firm evidence that the NPSS could be run for an annual management charge of 0.3 per cent
BRISTOL & WESTBank of Ireland Capital Protected Growth Fund 1
Critical-illness cover Nicola York looks at the triangle of responsibility with insurer, adviser and client all having roles to play to ensure full disclosure on applications
Spring says scheme provides both a career path and an exit strategy
Norwich & PeterboroughFive Year Fixed Offset Mortgage
Smith & WilliamsonEdge Performance VCT
Portman Building SociettyTwo-Year Fixed With Tracker
I had planned this week to write about three developments that I believe have the potential to affect the industry fundamentally in a positive way. They are the inauguration of the first 600 advisers to be granted the chartered financial planner title, the first Meeting of Minds event in London involving IFA chief executives and the recent publication by Aifa of its Viewpoint guide on equity release.
Principality Building SocietyThree Year Fixed Rate Mortgage
Franklin Templeton InvestmentsFranklin Global Real Estate Fund
HMRC says it has had to give in to stakeholders which has complicated simplification
Alternative is offered to single-premium insurance
Skandia Investment Management was the biggest selling multi-manager firm last year with £1.24bn gross sales, according to the Pridham report.
The ASP could have a nasty bite if not handled with care, says GE Life head of drawdown Ray Chinn, as he considers the ups and downs of simplification
Buckles Investment ServicesSnowdonia Property Fund
Standard life InvestmentsDynamic Distribution Fund
Standard Life BankFreestyle 10 Year Fixed Rate Mortgage
Standard Life InternationalInternational Bond
Scottish Widows customer & brand director Mike Hoban says that with the great need to build up the IFA brand comes the opportunity for advisers to stand out and tailor their brand to the customer's needs
Stroud & SwindonDiscount Remortgage Product
IntelliFlo chief executive Nick Eatock (above) says brokers need to build up their IT systems to cope with increasing regulatory requirements
Financial services is a people business and attracting the right staff is vital
Our panel focus on pension term assurance and consider the effect of declined critical-illness cover claims
With research suggesting that advisers have largely failed to exploit opportunities in the small business arena, it's time to turn the spotlight on PMI, says Cigna HealthCare UK managing director Sharon Lyons
Troy Asset Management has brought out the Trojan Capital fund, an Oeic investing mainly in the UK with some exposure to Continental Europe.
Threadneedle InvestmentsGlobal Emerging Market Equity Fund
Troy Asset ManagementTrojan Capital Fund
Many Turkish banks are set for strong loan growth of 30-40% while their corporate tax rate has been cut
UCB Home LoansSelf Cert Two Year Flexible Fixed Remortgage
The way to attract new employees and keep them is to vary their tasks
The Limelight VCT is a specialist VCT looking to raise 7- 15m to invest in a diversified portfolio of film production and film sales companies involved in British films.
Earlier this month, one of the most significant events in the advance of the financial adviser community to fully professional status took place.
James Salmon looks at the regulatory
Sumo wrestlers fall prey to the power of the incentive so what about our industry?
YFM Private EquityBritish Smaller Companies VCT Top Up