20 July 2005
A couple of weeks ago, I considered nil-rate-band planning using the well known expedient of a will trust and the slightly less well known lifetime or probate trust under which the settlor had the initial interest in possession with subsequent trust terms - albeit embodied in the same trust document - reflecting what would have otherwise been in the will.
Nicola York asks if the 2012 London Olympics will bring a golden economy
Abbey6 Month Fixed Rate Flexible Plus Mortgage
Nicola York looks at the battle lines have been drawn between lenders as they compete on buy-to-let pricing
There was confirm-ation last week of what must be one of the industry's worst-kept secrets this year.
Alliance & LeicesterFive Year Fixed Rate
Scottish WidowsGuaranteed Investment Bond
Chelsea Building SocietyBuy-To-Let Tracker Mortgage
Close Fund ManagementEuropean Accelerated Fund
Lies, damn lies and commission equivalent. It's the information age. Everybody has access to more information: more is good, even more is better. Unless, of course, it's misleading information.
Andrea Tryphonides looks at the changes in distribution since M-Day
Putting customers' interests at the heart of their business structures should be a basic requirement for all firms, said the FSA in a press release earlier this month. A firm must pay due regard to the interests of its customers and treat them fairly.
Fidelity has reduced the initial charge on its multi-manager growth and income funds until the end of October.
The Scottish Widows guaranteed investment bond is a FTSE 100-linked guaranteed equity bond with a term of five years and six months.
I wonder if a team of Trea-sury officials decided that what was needed to stop the march of non-advice in protection sales was a second complete regulatory revolu-tion in two years? Or did this all happen without them thinking it through at all?
Selestia chief executive Brett Williams says the foundations of the retirement market are shifting
iFundsMFM ifunds ETF Total Return Fund
Intelligent FinanceFixed 95 Until 01.10.10
This is meant to be a quiet time of year for catching up in the garden and long week-ends at the coast. Instead we are being bombarded with market-moving news. Given that many of those charged with managing the wealth of the nation are off on bucket and spade duty, the fear is unexpected events will have a disproport-ionate effect on the behaviour of shares.
Legal & GeneralAccelerated Growth Investment Plan 3
Product providers should be aiming to expand the sector rather than just bidding to grab more market share, says Philip Scott
Is remortgaging going out of fashion? That is what lenders would have us believe, insisting that the new breed of products they are launching will do away with borrowers ever having to remortgage again.
Industry professionals in Europe are increasingly aware of the rapidly growing market for exchange traded funds. Originating in the US, this area of the fund management industry is, according to BGI, now worth some £182bn globally. So it is hardly surprising that our fund of funds investing solely in ETFs has emerged.
Nationwide Building Society Three Year Fixed Rate Mortgage With Reservation Fee
Norwich UnionIndividual Your Pension Select, Your Pension Select
Platform Home Loans Conforming Three Year Fixed Rate
Many years ago, a client told me: "I know all about life assurance Len. My first husband died, leaving me with a two-year-old, a four-year-old, a mortgage and no life cover."
Helm Godfrey deputy chairman and director believes that small IFAs should stick together and create a stronger offering and his recent merger proves just that. Sam Shaw met him to discuss the company's plans for the future
Schroders' multi-manager team has reduced its exposure to private equity firms after two of its investments reached a premium to net asset value.
We have been contacted by many elderly, unsophisti- cated, income-seeking investors, concerned that the income and capital value of their split-capital and zero-dividend investments have fallen sharply since the late 1990's.
out all the answers without such a new tool. But it is intriguing to note that it is only now, 20 years or more after with-profits really took off, that anyone is bothering to create something that will make it easier to give good advice in this area.
SVG Investment Management, a subsidiary of FTSE 250 listed private equity business SVG Capital, has established the strategic equity capital investment trust.
Matt Davis finds that equity markets have ridden out the terrorism
Aifa may have already dipped its toe into the muddy waters of depolarisation when it created the Association of Mortgage Intermediaries but now it is contemplating taking a head-first plunge.
Hargreaves Lansdown pensions research manager Tom McPhail fears that NAPF chief executive Christine Farnish may be right in predicting a five-year life expectancy for final-salary schemes
Speaking of the pages of Money Marketing, hawk-eyed readers may have noticed that this week we launch our redesign.
At a recent family occasion, two cousins, one from the US and one from the UK, were discussing Al-Qaeda. The one from the US, who lives in a Californian town too obscure to be a likely target for terrorists but who flies frequently on business, said: "Everyone's afraid."
Wills & CoThe Advance Fund
Wise Investment will introduce an Oeic fund of funds on October 1 as a one-stop shop for investors looking for income.
Woolwich Plan Managers has established the capital plus plan issue 8 a guaranteed equity bond which offers a minimum return of 22.5 per cent plus the original capital at the end of the term regardless of the performance of the FTSE 100 index.
Woolwich Plan ManagersAccelerated Growth Plan Issue 7
Recent events have reminded us that when all things are considered, money is not the most important thing it life. Several years ago, I attended a two-day workshop with George Kinder on the Seven Steps to Money Maturity.
A war on several fronts can prove costly, as several generals have found out over the years, and life offices are now facing that scenario in the battle for assets.