Money Marketing
3 November 2004

1% cap stays for policies in force

5 Nov 2004

James Phillipps
1% charges on new Interactive funds

5 Nov 2004

Alison Bone
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.
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.
Aberdeen Asset Management - Aberdeen Growth Opportunities 2 VCT

4 Nov 2004

Aberdeen Asset ManagementAberdeen Growth Opportunities 2 VCT
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).
Artemis Investment Management - Artemis Aim VCT 2

4 Nov 2004

ARTEMIS INVESTMENT MANAGEMENTArtemis Aim VCT 2
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.
Axa deals in dividends

8 Nov 2004

AXA INVESTMENT MANAGERSCapital Protected Fund Series 2
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.
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.
Bates 'devastated' by sudden sacking

5 Nov 2004

James Coney
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.
Bond from B&W links equities and property

5 Nov 2004

Angela Henshall
Bristol & West Mortgages - Super Light Standard Stepped 36 Month Discount

5 Nov 2004

Bristol & West MortgagesSuper Light Standard Stepped 36 Month Discount
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.
Broker Talkback

8 Nov 2004

Should personal finance be taught in schools as part of the national curriculum?
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.
BSA figures show boost for cash Isas

5 Nov 2004

Figures from the Building Societies Association show that not all areas of the Isa market are performing badly.
Burns Anderson offers route to GI market

3 Nov 2004

Burns Anderson is offering its members an independent route to the general insurance market through a strategic partnership with Berkeley Alexander. Burns Anderson says the agreement will offer members two service propositions: independent advice through a web based quotation system or an introducer service.
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.
Chelsea Building Society - Two Year Fixed Rate Buy-to-Let

3 Nov 2004

CHELSEA BUILDING SOCIETYTwo Year Fixed Rate Buy-to-Let
Chelsea races against buy-to-let leaders

9 Nov 2004

CHELSEA BUILDING SOCIETYTwo Year Fixed Rate Buy-to-Let
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.
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.
Close Property Investment - Sixth Special Opportunities Fund

3 Nov 2004

Close Property InvestmentSixth Special Opportunities Fund
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.
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.
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.
CTF approval for Homeowners Friendly Society

5 Nov 2004

Homeowners Friendly Society today has gained accreditation as a provider of the Governments new child trust fund.
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.
Directors' protection on pension regulation

5 Nov 2004

James Phillipps
Downing Corporate Finance - Pennine Aim VCT 5

5 Nov 2004

Downing Corporate FinancePennine Aim VCT 5
Duffy 'discrimination' claim over FSCS levy

5 Nov 2004

The way that the Financial Services Compensation Scheme levy collects from the mortgage sector discriminates against firms with a blue-chip client base, says Hamptons International managing director Kevin Duffy.
Economists clash over property prospects

5 Nov 2004

Andrea Tryphonides
First Active steps in with fixed and discount deals

5 Nov 2004

Andrea Tryphonides
First decline in house prices for three years

5 Nov 2004

Andrea Tryphonides
Freedom Finance changes name of mortgage arm

8 Nov 2004

Freedom Finance is changing the name of its mortgage lending business to Freedom Lending to avoid confusion among mortgage intermediaries.
Friends in extranet warning

5 Nov 2004

IFAs risk contravening the Data Protection Act by sharing passwords for life office extra-nets, warns Friends Provident.
FSA praised Aaron marketing material

5 Nov 2004

James Coney and Bruce Love
FSA unveils final rules for basic advice

4 Nov 2004

The FSA has unveiled its final regulations for the new basic advice sales process.
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?
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.
'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.
Gummer says advisers are being made scapegoats

5 Nov 2004

Aifa chairman John Gummer has attacked the media for assuming that all financial advisers are out for themselves.
IFA of the Year

8 Nov 2004

1st Advisory & Brokerage Services 2nd Cavanagh Group 3rd Hargreaves Lansdown...
IFA takes lead with specialist directory

8 Nov 2004

A Surrey IFA is offering a new lead-generation business that will rival IFA Promotion.
IFAs urged to target small firms with offshore deals

5 Nov 2004

John Greenwood
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.
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.
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?
JO Hambro Capital Management - JOHCM UK Equity Income Fund

9 Nov 2004

JO Hambro Capital ManagementJOHCM UK Equity Income Fund
Keydata - Defined Growth Plan 2

9 Nov 2004

KeydataDefined Growth Plan 2
Klonowski caters for different needs

8 Nov 2004

I need to set the record straight following last week's story in Money Marketing headlined, Klonowski follows in Australian's footsteps.
Launch of the Legal & General Partnership

9 Nov 2004

Legal & General launches its new partnership. It will act as a principal for firms who are L&G's appointed representatives for mortgage, protection and general insurance sales.
Letwin nails the three hammer blows against pension saving

5 Nov 2004

John Lappin
Liverpool Victoria launches into child trust fund market

3 Nov 2004

Liverpool Victoria has announced plans to launch into the child trust fund market. Th friendly society intends to launch two trust funds when the Government's new savings initiative goes live in 2005. The range will consist of a with profits product investing in the society's fund, and a stakeholder trust fund. Liverpool Victoria already offers a range of regular savings products for children.
Management offer for Liontrust

5 Nov 2004

A management initiated offer for Liontrust fund managers has been tabled.
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.
Matrix keeps eye on technology

4 Nov 2004

MATRIX MONEY MANAGEMENT
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.
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.
Moneyfacts launches KFI hub

8 Nov 2004

Moneyfacts has launched the Mortgage KFI Hub to provide intermediaries with access to accurate, compliant KFIs.
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.
Mortgage Trust - Buy-to-Let Discounted Remortgage Cashback

8 Nov 2004

MORTGAGE TRUSTBuy-to-Let 2 Year Discounted Remortgage Cashback
MPC decides base rate will remain the same

4 Nov 2004

The Bank of Englands Monetary Policy Committee today announced that Base Rate will remain unchanged at 4.75%, for the third consecutive month.
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.
Multi-ties are a step back to the bad old days

8 Nov 2004

Nick Bamford hits the nail right on the head when he writes that the multi-tie proposition is all about maximising commission and narrowing the scope of advice given by people who will have become little more than pseudo advisers.
No win, no fee,no ethics

8 Nov 2004

Mystery shopping is all the rage these days so I thought I would do some of my own.
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?
Out of context

8 Nov 2004

"Let's hope too many customers don't fall asleep in their mortgage interview. At least they will have lots of paperwork to make into a quilt to keep warm." - AMI policy officer Ben Stafford on documentation for mortgage customers.
Partnership bill gives gay couples rights to Comps

8 Nov 2004

Gay couples will get pension benefits in contracted-out schemes and the right to pass on survivor pensions following amendments to the Civil Partnership Bill.
Platform - Five Year Fixed Rate Buy To Let

8 Nov 2004

PlatformFive Year Fixed Rate Buy To Let
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.
Portal aiming to set tech standards for mortgages

5 Nov 2004

Angela Henshall
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.
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.
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.
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.
Pru says risk exposure over DB plans stands at 762bn

5 Nov 2004

James Phillipps
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.
Scottish Widows - Multi Manager UK Equity Focus Fund

7 Nov 2004

Scottish WidowsMulti Manager UK Equity Focus Fund
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.
SII creates high-level compliance diploma

5 Nov 2004

The Securities and Investment Institute is setting up a new high-level compliance qualification.
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.
Slowdown fears see New Star slash retailers and builders

5 Nov 2004

James Coney
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.
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.
Strategies that can offer reassurance for advisers

8 Nov 2004

There was unusual consensus in Investment Brief (Money Marketing, October 14) among the experts.
Strongest ever equity release sales - SHIP

3 Nov 2004

Despite a fall in new mortgage business, the 17 members of trade body SHIP have posted their strongest ever equity release sales at 338.4m for the third quarter. This equates to a 30% increase on its second quarter numbers and 13% up on the third quarter last year.
Teachers BS pulls out of intermediary market

5 Nov 2004

Teachers Building Society will only service mortgage customers on a direct business basis after problems with arranging its compliant KFI.
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.
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.
Three-week warning for pensions

8 Nov 2004

Six months before retirement age, I received a comprehensive circular in FSA format from several insurance companies.
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.
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.
Vantis service cracks tax

5 Nov 2004

Vantis Tax is introducing a new electronic tax support service which it says will give IFAs a new revenue stream.
Workplace stress is becoming key issue for investors

5 Nov 2004

James Coney

Money Marketing3 November 2004

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Money Marketing
3 November 2004