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Money Marketing Cover

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The technology revolution: Plenty of disruption to come

24 April 2014 | By Paul McMillan

Wearable technology is already in use but the pace at which it is developing will lead to a transformation of the protection market.

Comments (2)

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Nic Cicutti: Steve Webb needs to be more radical on pension tax relief

24 April 2014

Pensions minister should also look at tax-free lump sum benefits.

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Steve Bee: Isn't it time we started trusting savers?

23 April 2014

There was a time when I was not very popular with the great and good of the pensions industry.

Comments (2)

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Standard Life: How we decided our auto-enrol charging structure

23 April 2014

Provider says a shared cost model between employer and member avoids disparity between members.

Comments (2)

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New platform world appears anything but clean and simple

22 April 2014 | By Paul McMillan

Huge discrepancies highlight the “utterly confusing world which consumers have been ushered into”.

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Robert Sinclair: Damage from inducements crackdown should not be underestimated

22 April 2014

The FCA’s inducement rules risk making product providers withdraw a lot of their training support and make it harder for providers and distributors to work together to make a better industry.

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Tom Kean: The tyranny of change

22 April 2014

The Budget reforms are good for financial advice but the business needs a period of calm to let all the recent changes bed in.

Comments (2)

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Robert Reid: Solving the independence mess

22 April 2014

This could end up as a judicial review as some major players seek to protect their status

Comments (2)

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Phil Young: Crunching the numbers on adviser profits

17 April 2014

Higher revenues are tied to a percentage of assets charging structure.

Comments (2)

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Ian McKenna: Advisers are not immune from the rise of online

17 April 2014

Advisers need to ensure they are meeting their clients’ demands when it comes to communicating and interacting and increasingly this means using the latest technology.

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Alan Lakey: The fatal flaws of pandering to consumers

17 April 2014

Regulators and politicians trying to play to consumer interests just end up making access to financial services worse

Comments (11)

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Nic Cicutti: Advisers seem unable to provide basic info on costs

17 April 2014

Advisers should be aspiring to deliver the best possible clarity on fees

Comments (2)

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Mark Dampier: Aberdeen's steady approach to Latin America

17 April 2014

The Aberdeen Latin American Equity fund’s performance suffered last year due to its exposure to Brazil but the manager used this as a buying opportunity and it is well placed to benefit from long-term growth.

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Brian Tora: The Budget should provide a boost for fund managers

16 April 2014

Not so long ago pundits were predicting the end of the cult of equities as baby-boomers moved into retirement but the Budget pensions changes mean many people will remain invested into retirement.

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David White: Pension charge cap does nothing to boost employer engagement

16 April 2014

The charge cap is good news for pension savers but a failure to get employers to engage with auto-enrolment is putting the whole project at risk.

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Simon Willoughby: What is behind the boom in platform offshore bond sales?

16 April 2014

Last year saw offshore bonds written on platforms double and they are likely to account for 50% of sales by the end of 2015.

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Linda Smith: Understanding the FCA's independence definition

15 April 2014

There is still confusion over what is and what is not independent.

Comments (2)

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Martin Werth: Budget is shot in the arm for protection

15 April 2014

The Budget should encourage a much more favourable view of long-term saving and by blending protection products with investment we have a chance to offer real innovation that will benefit consumers.

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Billy Burrows: What will good advice look like post-Budget?

15 April 2014

The challenge is finding a way of explaining the complex options for many people who still want an income in retirement.

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Dennis Hall: Why we've changed our model to target £1m+ clients

14 April 2014

After looking at our business numbers, we realised something has to change.

Comments (16)

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IMA: Axing double stamp duty is long overdue

14 April 2014

The abolition of double stamp duty for UK-domiciled funds is long overdue and will help level the playing field.

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How state pension top-ups compare with buying an annuity

11 April 2014

New Class 3A National Insurance contributions appear to be odds with Government’s annuities claims.

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Should pension providers stop talking to their customers?

11 April 2014 | By Tom Selby

It would be unreasonable and counter-productive to prevent pension companies from speaking to savers.

Comments (2)

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Martin Bamford: A history of misselling does not help insurers

11 April 2014

The insurance sector has taken something of a hammering during the last few weeks.

Comments (1)

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Chris Gilchrist: Zombies win, clients and advisers lose

11 April 2014

The furore over the FCA review of zombie fund charges is a red herring, the real issues is the appalling standards of service.

Comments (3)

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Nick Bamford: Why aren't advisers explaining their charges properly?

10 April 2014

If an adviser cannot answer client questions on costs, perhaps they are in the wrong job.

Comments (20)

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Tim May: Priips shows the problem with EU rule making

10 April 2014

Too much of this was agreed right at the finish, when the process is at its most opaque.

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Are George Osborne's guidance plans unravelling?

10 April 2014 | By Paul McMillan

The service won’t be free, may not be impartial, probably won’t be face-to-face and definitely won’t be advice.

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Nic Cicutti: It'd be mad to leave Budget guidance to insurers

10 April 2014

Are ABI members really “at war” with each other over the issue of how to deliver face-to-face “guidance guarantee”?

Comments (3)

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Tony Mudd: Take care advising clients who want full pension withdrawal

10 April 2014

Following the Budget pension changes, advisers need to be careful that clients that opt to take their entire pension fund in cash cannot come back in later years to complain they were poorly advised.

Comments (1)

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Keith Richards: What Budget guidance could look like

9 April 2014

A small percentage of the FCA’s annual fines could pay for dedicated, specialist and professional advice for everyone at the point of retirement

Comments (4)

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Brian Tora: Investment sentiment is fragile as world watches Putin

7 April 2014

Gold has rallied slightly in recent weeks on the back of the Ukraine crisis while equity markets look positive but fragile as we wait for a political resolution

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Past liabilities cast long shadow over networks

7 April 2014 | By Michael Glenister

Given the extent of network liabilities, it is surprising Tenet’s long-stop petition has so far failed to reach 10,000 signatures.

Comments (5)

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Ian McKenna: The Govt data scheme that could shake up pensions switching

7 April 2014

A Government initiative to improve competition could be extended to financial services and could prove a real benefit in helping advisers with pension and investment transfers

Comments (2)

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Pete Matthew: Does the FCA need to tighten the definition of 'adviser'?

7 April 2014

If someone asks what I do, I say that I’m a financial planner.

Comments (6)

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Robert Reid: A month of reckoning for pension providers

4 April 2014

Budget pension changes, charge cap and the closed book review all add up to a month to forget for providers.

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Neil Liversidge: A common sense approach to regulation

4 April 2014

A lifetime working as a coal miner left my father with little time for petty regulations. We should follow his example and ensure it is an industry to aspire to, rather than one strangled in red tape.

Comments (2)

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Phil Loney: Steve Webb's pension charge cap is bad economics

3 April 2014

We have seen the good, the bad and the ugly of pensions policy in recent weeks.

Comments (1)

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Your new look Money Marketing...... let us know what you think

3 April 2014 | By Paul McMillan

Welcome to the new-look Money Marketing. You may have noticed a few changes.

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Nic Cicutti: Otto Thoresen should save his anger for his members

3 April 2014

Otto Thoresen is an angry man. Or at least, he is a determined man

Comments (7)

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