Money Marketing
3 November 2004
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1% cap stays for policies in force
5 Nov 2004
James Phillipps
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1% charges on new Interactive funds
5 Nov 2004
Alison Bone
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A Consumer's view
8 Nov 2004
Among the many inconsistencies in this Government's policies, one of the most glaring is the exhortation that we must all save more for retirement while at the same time the Chancellor is refusing to reconsider the reduction in the amount that investors can put into an Isa.
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A gifting gaffe
5 Nov 2004
This week, I am looking at one of the most popular areas of inheritance tax planning, namely the use of potentially exempt transfers.
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Aberdeen Asset Management - Aberdeen Growth Opportunities 2 VCT
4 Nov 2004
Aberdeen Asset ManagementAberdeen Growth Opportunities 2 VCT
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AIFA's View
8 Nov 2004
I think this is my penultimate column for this esteemed organ. It is about time I threw all my toys out of the pram and let off a bit of steam. So let's hear it for Smee's gripes and groans (episode one).
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Artemis Investment Management - Artemis Aim VCT 2
4 Nov 2004
ARTEMIS INVESTMENT MANAGEMENTArtemis Aim VCT 2
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Artemis takes aim again
5 Nov 2004
Artemis Investment Management has introduced the Artemis Aim VCT 2, a venture capital trust aiming for growth and income by investing mainly in companies listed on the Alternative investment market.
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Axa deals in dividends
8 Nov 2004
AXA INVESTMENT MANAGERSCapital Protected Fund Series 2
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Axa leaves protection open-ended
3 Nov 2004
Axa Investment Managers has established the second series of the Axa capital protected fund, an Oeic that is linked to the performance of the FTSE 100 Total Return index.
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Bad timing
5 Nov 2004
In its Market Timing Guidelines, the Investment Management Association makes a case for all investors, whether they are fund managers or private investors, to receive the same level of information about a fund's portfolio at the same time lag.
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Bates 'devastated' by sudden sacking
5 Nov 2004
James Coney
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BIA books coach to boost members' businesses
8 Nov 2004
Berkeley Independent Advisers is setting up a one-year coaching programme for its members with international business coach Anthony Morris.
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Bond from B&W links equities and property
5 Nov 2004
Angela Henshall
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Bristol & West Mortgages - Super Light Standard Stepped 36 Month Discount
5 Nov 2004
Bristol & West MortgagesSuper Light Standard Stepped 36 Month Discount
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Bristol & West teams up with Mortgages plc
9 Nov 2004
Bristol & West mortgages is offering mortgage intermediaries a new adverse credit range with Mortgages plc.
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Broker Talkback
8 Nov 2004
Should personal finance be taught in schools as part of the national curriculum?
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Brown will not restore earnings link
9 Nov 2004
Chancellor Gordon Brown has again resisted calls to link pensions to earning. Speaking at the CBI conference in Birmingham Brown stood firm on pension policy saying the Government will not respond to the long term savings and investments issues raised by Adair Turner until next year.
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BSA figures show boost for cash Isas
5 Nov 2004
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Burns Anderson offers route to GI market
3 Nov 2004
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Buy to let set for decade of further growth - Charcol
8 Nov 2004
As many as 300,000 more properties will be bought as buy to let investments over the next decade, according to a report from Charcol in conjunction with independent research agency, Mintel.
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Chelsea Building Society - Two Year Fixed Rate Buy-to-Let
3 Nov 2004
CHELSEA BUILDING SOCIETYTwo Year Fixed Rate Buy-to-Let
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Chelsea races against buy-to-let leaders
9 Nov 2004
CHELSEA BUILDING SOCIETYTwo Year Fixed Rate Buy-to-Let
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Chelsea starts work on new UK call centre
5 Nov 2004
Chelsea Building Society today started building work on its new call centre in Cheltenham.
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Chilton on Mortgages
5 Nov 2004
It is Monday, November 1, the day after M-Day. Since first thing this morning, the phone lines have been going flat out with journalists enquiring on how it is going.
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Close Property Investment - Sixth Special Opportunities Fund
3 Nov 2004
Close Property InvestmentSixth Special Opportunities Fund
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Collins Stewart's total return fund sparks interest by multi-managers
5 Nov 2004
Collins Stewart says a total return bond fund built around demand from private clients is also proving popular with multi-managers.
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Commodities cycle to front of the pack
5 Nov 2004
Retail investors are being warned about having too much exposure to the long bull run that the commodities market could be about to enter.
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Credit record was 'stolen' on holiday
5 Nov 2004
Concern is growing over the way that lenders' IT systems deal with credit checks after an IFA's client was mistakenly branded with a poor credit record after remortgaging her home.
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CTF approval for Homeowners Friendly Society
5 Nov 2004
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D-Day dodgers
5 Nov 2004
With the approach of D-Day - December 1 - the minds of tied and independent advisers should be straying towards the consideration of their regulatory status in the newly depolarised world. Depolarisation offers advisers the options of being whole of market, limited choice or single provider. Currently, of course, there are only two choices -IFA or tied adviser.
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Directors' protection on pension regulation
5 Nov 2004
James Phillipps
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Downing Corporate Finance - Pennine Aim VCT 5
5 Nov 2004
Downing Corporate FinancePennine Aim VCT 5
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Duffy 'discrimination' claim over FSCS levy
5 Nov 2004
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Economists clash over property prospects
5 Nov 2004
Andrea Tryphonides
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First Active steps in with fixed and discount deals
5 Nov 2004
Andrea Tryphonides
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First decline in house prices for three years
5 Nov 2004
Andrea Tryphonides
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Freedom Finance changes name of mortgage arm
8 Nov 2004
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Friends in extranet warning
5 Nov 2004
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FSA praised Aaron marketing material
5 Nov 2004
James Coney and Bruce Love
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FSA unveils final rules for basic advice
4 Nov 2004
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Game, asset and match
5 Nov 2004
My financial adviser has told me that asset allocation is more important than fund selection when investing capital. What does he mean by this and is he right?
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Genesis clashes with lenders over contracts sent days before M-Day
5 Nov 2004
Genesis mortgage network has blasted lenders for sending out complex legal contracts just days before M-Day.
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'Govt discriminating against homeowners'
8 Nov 2004
Homeowners now only get 6 per cent of the Government's help with housing costs, according to the UK Housing Review 2004/2005.
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Gummer says advisers are being made scapegoats
5 Nov 2004
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IFA of the Year
8 Nov 2004
1st Advisory & Brokerage Services 2nd Cavanagh Group 3rd Hargreaves Lansdown...
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IFA takes lead with specialist directory
8 Nov 2004
A Surrey IFA is offering a new lead-generation business that will rival IFA Promotion.
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IFAs urged to target small firms with offshore deals
5 Nov 2004
John Greenwood
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Independent view
8 Nov 2004
So the advent of mortgage regulation is upon us.As I pondered the changes that we may have to make as advisers to remain compliant (if we have to change at all),I wondered how much the mortgage industry as a whole will evolve.
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Independents' day after depolarisation
8 Nov 2004
The next big issue is depolarisation - or, as it is held to apply to IFAs, the choice between multi-tie and remaining independent.
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Investment view
5 Nov 2004
I hope I can be forgiven for largely ignoring the US presidential election as by now we will all know the result. The problem I face is that the outcome, as I write, is in the future. Does it matter?
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JO Hambro Capital Management - JOHCM UK Equity Income Fund
9 Nov 2004
JO Hambro Capital ManagementJOHCM UK Equity Income Fund
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Keydata - Defined Growth Plan 2
9 Nov 2004
KeydataDefined Growth Plan 2
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Klonowski caters for different needs
8 Nov 2004
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Launch of the Legal & General Partnership
9 Nov 2004
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Letwin nails the three hammer blows against pension saving
5 Nov 2004
John Lappin
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Liverpool Victoria launches into child trust fund market
3 Nov 2004
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Management offer for Liontrust
5 Nov 2004
A management initiated offer for Liontrust fund managers has been tabled.
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Marlborough fixes on high yield
9 Nov 2004
Marlborough Fund Managers has introduced the Marlborough high yield fixed interest fund, a unit trust that will invest mainly in sterling and euro-denominated high-yield bonds.
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Matrix keeps eye on technology
4 Nov 2004
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M-Day brings a new world for mortgages
5 Nov 2004
Sally Laker,Managing director,Mortgage Intelligence The FSA has decided that brokers or networks who do not initially get auth orised by October 31 can trade as "interim-authorised" while they appeal against the FSA's decision.
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Melton Mowbray and Stafford Railway Building Societies complete cost-free computer updates
9 Nov 2004
Melton Mowbray and Stafford Railway Building Societies have completed a cost-free system update to comply with mortgage regulations.
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Moneyfacts launches KFI hub
8 Nov 2004
Moneyfacts has launched the Mortgage KFI Hub to provide intermediaries with access to accurate, compliant KFIs.
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Mortgage Express hits KFI hitch
5 Nov 2004
Mortgage Express is unable to offer KFIs online as it still preparing its system in the first week of statutory mortgage regulation.
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Mortgage Trust - Buy-to-Let Discounted Remortgage Cashback
8 Nov 2004
MORTGAGE TRUSTBuy-to-Let 2 Year Discounted Remortgage Cashback
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MPC decides base rate will remain the same
4 Nov 2004
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Multi-Manager View
5 Nov 2004
We have a growing range of multi manager offerings which, once you have scraped off the label, all seem to look exactly the same. Apart from their charges and funds, they all appear to have a very similar style.
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Multi-ties are a step back to the bad old days
8 Nov 2004
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No win, no fee,no ethics
8 Nov 2004
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On the level
5 Nov 2004
For those brokers who have made the transition to the regulated world of mortgages, it is time to get on with business but is it business as usual or a case of increased costs and less business coming through the books due to slowing property prices?
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Out of context
8 Nov 2004
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Partnership bill gives gay couples rights to Comps
8 Nov 2004
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Platform - Five Year Fixed Rate Buy To Let
8 Nov 2004
PlatformFive Year Fixed Rate Buy To Let
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Platform enhances B2L and self-cert product ranges
9 Nov 2004
Platform is enhancing its buy-to-let and self-certification product ranges with the addition of three new two and five year fixed rate products.
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Portal aiming to set tech standards for mortgages
5 Nov 2004
Angela Henshall
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Premier rolls on
8 Nov 2004
Premier Asset Management has brought out the Premier growth plan limited editions no 23. This is a FTSE 100 linked capital-protected bond which has the potential to mature each year during its six-year term.
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Profile - Pam Aurbach
4 Nov 2004
The Pru's head of business development services has crossed the Atlantic to set up a Top Gun academy for high-flying advisers to boost the firm's intermediary business.
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Protection Edge: Jason King
5 Nov 2004
Protection has long been regarded as the poor relation of financial planning. Undervalued by providers and advisers alike in the scramble for market share of pensions and investments to get at funds under management. It is, therefore, unsurprising then that consumers also undervalue protection and that there is an estimated 2.2tn protection gap in the UK.
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Protection Edge: Peter Chadborn
5 Nov 2004
With the protection landscape evolving at an ever-increasing pace, the latest two providers to enter the arena are Axa and Royal Liver. An out-of-date protection product range has led to a new proposition from Axa which is anticipated at the end of November.
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Pru says risk exposure over DB plans stands at 762bn
5 Nov 2004
James Phillipps
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Ratio of approvals that advance is falling, says CML
8 Nov 2004
The Council of Mortgage Lenders says the proportion of approvals leading to cash advances changes significantly with market conditions.
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Scottish Widows - Multi Manager UK Equity Focus Fund
7 Nov 2004
Scottish WidowsMulti Manager UK Equity Focus Fund
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Scottish Widows multi manages life and pensions range
4 Nov 2004
The Scottish Widows multi-manager international equity fund is one of four new manager of managers funds the company has added to its investment solutions life and pensions range.
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SII creates high-level compliance diploma
5 Nov 2004
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Skandia stems the re-registration flow
5 Nov 2004
Skandia's decision to focus on attracting new business and move away from re-registration as a means of asset gathering is indicative of the financial pressures afflicting fund supermarkets.
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Slowdown fears see New Star slash retailers and builders
5 Nov 2004
James Coney
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Snowdonia aims to hit the Fof heights
5 Nov 2004
IFA firm Buckles Investment Services has established a fund of fund range that will be available to retail investors through Skandia and Scottish Equitable.
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Stewart Ritchie on pensions
5 Nov 2004
One way to simplify pensions would be for new employees to automatically join the pension scheme. At the moment, it would not be legal to compel new employees to join or indeed to compel employers to make joining automatic but the Government can get very close to this and probably will.
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Strategies that can offer reassurance for advisers
8 Nov 2004
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Strongest ever equity release sales - SHIP
3 Nov 2004
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Teachers BS pulls out of intermediary market
5 Nov 2004
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That's life expectancy
5 Nov 2004
In my last two articles, I examined two of the main risk factors that must be taken into account in recommending pension drawdown contracts to clients - interest rate risk and the risk of investment performance falling below expectations.
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The personal touch
5 Nov 2004
The future of the individual private medical insurance market may hinge on whether individual products are perceived as being less competitive than group PMI.
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Three-week warning for pensions
8 Nov 2004
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Tories plotting a revolution
8 Nov 2004
The Tories want to revolutionise retail regulation - their plans amount not to reform but to FSA Mark II.Under Shadow Chancellor Oliver Letwin's plans, retail investors and savers would get the information they need to make informed decisions but they would not have a system of regulation that sought to minimise their risk when investing.
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Turner paints a bleak picture
5 Nov 2004
Iain Anderson is director and chief corporate counsel at Cicero Consulting Pension Commission chairman Adair Turner signalled in his interim report that he wanted to spark a major public debate on pensions and, to judge by the headlines over the last few weeks, he has certainly achieved that objective.
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Vantis service cracks tax
5 Nov 2004
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Workplace stress is becoming key issue for investors
5 Nov 2004
James Coney
