21 September 2005
West Bromwich Building Society10 Year Fixed-Flexi Mortgage
First-time buyers Charcol senior technical manager, mortgages, Ray Boulger says a parent's Sipp investment could help their children move into their first home
Anthony Bolton is the stuff of legend but, says Hargreaves Lansdown head of research Mark Dampier, Fidelity has confused the issue of his retirement and set the speculation mill racing with the controversial split of the special sits fund
AbbeySafety Plus Growth Issue 23
ABN Amro Asset ManagementIndia Equity Fund
Nicola York looks at how the damage wreaked by Hurricane Katrina could spill over into the UK life insurance and critical-illness cover sectors
According to a recent report, a homosexual couple applied at an HSBC branch for a mortgage that required life cover and were told they could only take out insurance if they took an HIV test.
Britannia InternationalOptimum Growth Bond 11
The Chartered Insurance Institute has finally won chartered status - a very significant step along the road to making advisers into a profession.The bar is set very high.
Who pays for long-term care is a delicate subject des- igned to raise the blood pressure of millions of carers and their families, who foot the bill in terms of stress, time and money to look after elderly relatives.
This week Corey Boles, a reporter at Dow Jones Newswires
Whenever a new person walks into a high-profile job, it is always intriguing to see how he or she differs from their predecessor, not just in terms of approach but priorities.
First NationalNear Prime One Year Discount
Nicola York finds that property prices have hit a plateau and we may be about to see serious falls in some areas of the country
Individual fund selection rather than asset allocation is the driver for returns in the current economic climate, according to Jupiter's multi-manager team.
Sam Shaw examines the new chartered financial planner status
Henderson Global Investors' multi-manager team has sold out of the Schroder European alpha plus fund and reduced its weighting in Gartmore's European focus fun as part of a review of its Continental holdings.
As his beloved football team, Ipswich Town, battle it out for a chance to join the big boys in the Premiership next season, so Suffolk Life's chief executive is relishing the prospect of captain- ing a niche player in the growing Sipp market from next April. James Phillipps finds he is confid- ent of helping 25,000 or more clients to achieve their goals
Of every 100 you earn, you pay 11 per cent to the Government in National Insurance contributions and a further 22 per cent in income tax, or 40 per cent if you are a higher-rate taxpayer.
Group schemes Hargreaves Lansdown pensions research manager Tom McPhail says Sipps have exciting potential in the workplace and looks at how plan design is progressing
Mortgage key features are "unnecessarily complicated, ludicrously lengthy and often misleading documents," said the chairwoman of the financial services consumer panel at the FSA annual meeting.
Last week had a global feel about it so far as I was concerned. Aside from the spectacle of England regaining the Ashes from a cricket-mad nation on the other side of the world, I was privileged to receive presentations on the US and Japan from leading investment houses.
JO Hambro Capital ManagementJOHCM American Growth Fund
Jupiter Jupiter Japan Income Fund
JupiterJupiter Merlin Balanced Fund
Next Tuesday, September 27 will see the biggest one-day show for financial intermediaries in the North eturn to Manchester's G-Mex.
Keydata's secure income bond has been welcomed by the market because it provides a 7.5 per cent annual income, tax-free through Isas and Pep transfers and an even better growth option.
England's success in the Ashes has captured the imagination of countless people who hitherto thought that cricket was boring. What we saw was two great sides showing tremendous professionalism and team spirit as they strove for one of the greatest prizes in their sport.
A major factor determining the relative performance of an equity portfolio is the proportion devoted to big and smaller companies. It is not unusual for the leviathans to outpace the minnows (or vice versa) by 10 or 20 per cent in a single year.
Multi-managers Miton Investments and the Iimia are investing in technology funds amid growing optimism of a recovery in the sector.
Multi-manager has evolved consider- ably over the past 10 years and is now a major segment within the fund management industry.
British justice is founded on the principle that we are innocent until proven guilty. A similar principle guides the application of inheritance tax law to pensions.
Pink Home LoansAmber Home Loans Heavy Adverse 1% Discount
Platinum Capital ManagementPlatinum Global Dividend Fund
Last week, I reviewed the increasing and seemingly inexorable rise in the importance of searching for the commercial reality in tax planning transactions in order to ascertain how effective they would be in achieving their purpose.
The media frenzy over changes to Sipps should not be allowed to distort investment fundamentals, says Philip ScottSipp building
I have often wondered why large-capitalisation stocks form the bulk of many a private individual's portfolio and are what my mother means when she asks me: "What has the stockmarket done today?"
Southern Pacific Mortgage LimitedNear Prime Five Year Fixed Self-Cert
I am an American who is about to work in Bristol on a long-term contract for a financial services company. What financial plans do I need to make and how will I be taxed in the UK compared with the US?
The Association of Consulting Actuaries' 2005 Pension Trends Survey and the Government Actuary's Department's 2004 Occupational Pension Schemes Survey highlight significant changes in UK pension provision and the attitudes of employers in setting up and running schemes for employees.
A-Day There is still much confusion among advisers and investors which needs to be clarified before A-Day, says John Moret
The day before Jupi- ter launched its Japanese income fund, prime mini- ster Junichiro Koizumi won the Japanese election with a surprising majority.
In this series of articles, I am looking at the main asset classes with regard to their recent, present and short-term future investment returns and volatility. I am also highlighting the use of the various asset classes in different client portfolios.