21 March 2007
Simon Hildrey says fund outperformance is difficult to find in the US as the stockmarkets are so efficient but there are some shining exceptions.
Helen Pow says advisers are seeking a way through the present complexity of protection policies.
Chris Read, chairman of pensions administration technology solutions provider Dunstan Thomas, looks at the way ahead for pension admin as Sipps go on booming.
I do not know whether any of you have noticed but the world of personal finance has a way of creating amazing yin and yang-style symmetries.
Lucian Camp, chairman of advertising agency cchm:ping, reckons this year's Isa advertising is very much a case of repeat performances.
Barings Asset Management has applied for distributor status for its range of three multi-asset fund of funds portfolios
The industry must pull together to attract new blood into the industry.
The FSA has given small firms until the end of March to get to grips with treating customers fairly. It is already ringing adviser firms to interview the principal about their TCF gap analysis and action plan and these calls are likely to increase after the deadline expires.
Budget tax changes have given advisers a strong case for advising higher-rate taxpaying clients to put more into a pension, says Hargreaves Lansdown head of pensions research Tom McPhail.
This Budget turned out to be a Black Wednesday for those wanting to protect their families.
In what will probably be his last Budget, Gordon Brown saved the best for last - a reduction in basic-rate tax to 20 per cent in 2008/09 backed up by measures increasing general tax allowances and personal reliefs.
With less than two weeks to go before Gordon Brown's "final" Budget pension experts everywhere are crossing their fingers and toes and hoping for the best.
Jupiter has welcomed Chancellor Gordon Brown's decision to raise the maximum limit on Isa's as a "step in the right direction".
The Government has confirmed it will retain the crippling 82 per cent tax charges on death benefits for Alternatively Secured Pensions.
Chancellor Gordon Brown is to raise the maximum annual Isa investment limit to 7,200 by lifting the cash component to 3,600 by 6 April 2008.
The Government has set new qualifying rules for EIS, VCTs and CVS that will limit the number of employees allowed and capital a company can raise in any 12 month period.
The Government says it will help all pension victims by extending the Financial Assistance Scheme from £2bn to £8bn.
The Government has announced generous increases in personal allowances for pensioners in the Budget.
Close is to raise the maximum subscription for shares in the Enterprise VCT from £20 to £30m in a bid to catch elevated investor demand.
Advisers should use a coach to give them well-structured feedback on their client skills.
This week by Money Marketing columnist Brian Tora.
It's been a week of adverse credit and consumer credit for the buy to-let market. Guy Anker reports.
Consumer leader warns regulated advice must be restructured before generic regime can benefit the public.
The Budget dominated most people's thoughts in the mortgage market this week but many were left disappointed at the lack of initiatives to help first-time buyers get on the housing ladder.
One of the upsides of doing commentaries is that I can write about whatever takes my fancy or has caught my eye recently.
Many companies are increasing their recruitment expenditure without putting checks in place to ensure that they are getting value for money, according to Cranfield School of Management.
Clients warned they will lose FSCS and FOS protection.
It had been my intention to write about Bill Mott's new fund this week.
The Financial Services Authority (FSA) has announced proposals to allow UK retail consumers to invest in funds of hedge funds and other alternative investments sold by firms authorised in the UK.
Ajay Gambhir is to join MPC Investors after resigning as head of JP Morgan Asset Management.
Fund manager Ajay Gambhir has left JPMorgan after 10 years with the firm, with Jonathan Ingram taking his place as head of the European higher alpha team.
Simon Ellis, managing director of Fidelity International's multi-manager business, sets out a procedure for selecting multi-managers on a similar basis to choosing other suppliers by looking for consistent delivery.
The tax and NI benefits are considerable for group life schemes that meet the relevant conditions to be treated as excepted.
Nearly half of all financial services City workers are considering changing their jobs despite earning the bonuses they wanted this year.
The IFS School of Finance has launched a new foundation degree in financial services management.
The married couple who run Symponia wanted to set up a network to help advise the families of people going into nursing homes and have widened widened their reach to cover financial planning for all people over 65. Interview by Nicola York.
It has been a strange week for us reporters on Money Marketing.
A pensioner seeks advice on reducing his overall tax burden.
We must hope that The Pension Regulator takes a lighter touch to rules.
Time sheets conjure up ideas of Big Brother but the reality is very different.
The Schroder income maximiser, yielding 7 per cent a year, is an excellent and unique innovation and is the ideal investment for the average investor who wants a high income but also potential capital growth.
As is normal practice with autobiographical articles, one's academic achievements should always feature in a prominent manner. So I am happy to report that I achieved an O level in woodworking, of which I am boastfully proud.
The continuing success of most firms of IFAs lies in their ability to build productive, face-to-face relationships with their clients. However, if that IFA still does not have a web presence or is not being promoted effectively online, then future potential clients are going to find it increasingly difficult to locate them.
I was recently asked what have been the major innovations in the market in the last 25 years. After all, I am one of the few who can remember that far back.
New Star is to join the private equity fray with the launch of a fund of funds vehicle exposed to mid-market buyout funds in the UK and Europe.
The North/South divide is set to narrow by 2015 due to an anticipated upsurge in enterprise-based wealth in Northern Ireland and the North West, according to SG Hambros.
Society wants 5,000 advisers to give specialist tuition in bid to attract business students.
The days of personal pension plans are surely numbered.
How can the opinions of a few hundred people represent the population?
Christine Hallett, managing director of Pointon York Sipp Solutions, explains the taxation intricacies of holding unquoted shares in a Sipp.
The outlook for credit is broadly positive but interest rate trends present a challenge for investors.
The aims and concerns of the IFA sector as the distribution review unfolds.
As we approach the end of another financial year, many people start to think of their earnings, career, how their job has gone over the last year and whether staying put will meet their career aspirations. This process often leads to people thinking about changing jobs.
Mark Roberts, head of faculty financial regulation and corporate & academic relationship at the IFS School of Finance, talks about how regulation will change the face of equity release and the IFS' new certificate.
Aled Smith will take over management of the M&G Asian fund next month.
Some analysts scorn funds of funds as the lazy option for investment IFAs but they can ensure clients' portfolios are kept under closer scrutiny than most hard-pressed advisers can manage themselves, says Samantha Downes.
Most of us will have seen comment in the press referring to the "special relationship" between the US and the UK.
Financial Ombudsman Service to probe case after company turned down claim for £20,000 angioplasty.
As the US sub-prime mortgage market goes into freefall, Helen Pow considers if the adverse problems might cross the Atlantic.
Paul McMillan reports on the growing clamour from the pension industry and politicians against means-testing in the new reforms.
I am now approaching the end of this series of articles relating to key issues in director share purchase.
Chris Salih considers what really lies behind multi-asset funds.
Andrew Jackson, manager of Standard Life Investments select property and global Reits funds, on how Reits are opening up the property market by giving investors tax-efficient access to overseas deals.
It will introduce academies nationwide, with two in London and one in the Northwest. As the project develops, more academies will be launched in other locations.
Sterling is celebrating the second anniversary of its multimanager protected profits funds by offering readers the chance to win two tickets to the Spanish Grand Prix.
The wrap revolution in the intermediary market is gaining momentum as advisers realise the cost savings. However, wrap's potential could go far beyond housekeeping for intermediaries.