22 November 2006
Early responses to Legal & General’s mailing to contracted out customers show that 83 per cent have chosen to remain contracted out of the State Second Pension.
'The knowledge that your pension fund will no longer die with you is a great incentive for people to fund a pension'
Clare Bettelley looks at the requirements for companies and individuals introduced by the recent age discrimination legislation
Clients know they have to put an inheritance tax strategy in place and loan trusts are the answer
The managing director of Helm Godfrey believes in zen and the art of financial happiness, saying that sharing wisdom with clients is far more important than just selling products. Interview by Helen Pow
The growth in Sipp business means now is the time for a remuneration overhaul
Efficient complaint handling can add value to a firm by keeping its clients - and the FSA - happy, says Mark Roberts, head of faculty financial regulation and corporate & academic relationship management at the IFS
It is difficult not to feel buoyed by the better tone of markets worldwide. Economic data supports the contention that the US is heading for a soft landing, removing the need for further monetary tightening.
Increasing pressures on the middle generations to support their children into their 20s while providing for their parents in old age mean we must begin to think in terms of family finance rather than personal finance, says Engage Mutual Assurance chief executive Andrew Haigh
Reits are ready to go in January with property companies lining up to convert but, asks Gregor Watt, can the initial momentum continue??
The latest villain of the mortgage industry - at least as far as the national media would have us believe - is Abbey. Not for overcharging customers, imposing swingeing fees or randomly repossessing property but for introducing previously unheard of income multiples to help people buy a home.
Helen Pow analyses the prospects for a new 125 per cent mortgage
The industry may deny product bias but sales figures suggest otherwise
A father seeks advice on the best way to provide a home for his errant son
How combining tax wrappers can fulfil individual needs for flexibility
Liverpool Victoria has re-launched its with profits pension annuity and has reduced the smoothing period for new annuity business from five to two years for top-up bonuses.
Paradise regained. Perhaps. Perhaps not, on reflection. Having been at an extreme of bearish sentiment in the early summer, investors now seem to have donned rose-coloured spectacles, believing the world's central banks have engineered the perfect soft landing for the US and global economies, with equities almost celebrating the prospect of slowing growth and slowing earnings' growth.
Employers are paying an average of 6.9 per cent of employee pay into DC schemes for new employees, according to Towers Perrin.
Imagine for a second that you need financial advice on your pension and post-retirement options. What would you be looking for from your prospective IFA?
In today's markets, it is important to have a major part of a growth portfolio in trusts, where the manager can choose shares from all over the world and in any sector.
Boulding urges FSA to focus on older clients as he says widespread misselling appears unlikely
The older you get, the more you reflect on life and events. Perhaps that is just the transition towards becoming the archetypal grumpy old man.
CML says new entrants to market may be underestimating the risks in adverse lending
Matt Goodburn looks at how Credit Suisse is tackling its domestic difficulties
A city analyst has accused consultant Ned Cazalet of exaggerating the level of churning in financial services, arguing that persistency problems lie primarily with life products rather than pensions.
What use are warnings when they are routinely ignored by the public?
With an estimated two weeks to go before what will be this Chancellor's last pre-Budget report on December 6, it seems that much of the thunder, at least with respect to saving, has been stolen from him by Treasury Economic Secretary (and future Chancellor?) Ed Balls.
Earlier in the year, Standard Life attracted criticism in some quarters over the transparency of its charging model.
There is only room for three to five players at the top of the term league
As Christmas approaches, so the great spending spree is upon us. Lights are now adorning every high street across the country and all those annoying festive songs will start to ring in every pub, club and town centre the land-over.
I have been advised by a certain PR whose surname almost rhymes with rude not to faff around in my web blogs and kid myself there is anything remotely creative about my job.
After a year of rows, speeches, White Papers, consultations, self-serving surveys and roundtable arguments over who should run the NPSS the decision could now fall to a body potentially comprised of those that have been taking part in these same arguments.
History tells us that a change of Congress in the US points to above-average performance for stocks
Guy Anker looks at proposals that could help mutuals with funding