Money Marketing
5 December 2007
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Elderly to be given allowance for care
11 Dec 2007
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Put off protection
11 Dec 2007
It is a sad state of affairs when consumers are so put off protection that they offer inducements to advisers to avoid buying cover.
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"Personal accounts will not increase pension saving rates"
11 Dec 2007
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66% Leave retirement planning to their 50s
6 Dec 2007
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A festive rate cut for you all
7 Dec 2007
This week has been another busy one for the mortgage market with the FSA sending out yet another warning, the battle for Northern Rock continues to be played out and at last, a very welcome base rate cut.
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A shaw thing
6 Dec 2007
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Adviser Fund Index
6 Dec 2007
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Advisers backing T Bailey's move on institutional units
6 Dec 2007
T Bailey says the institutional share classes on its funds of funds are seeing increased take-up among fee-based advisers and intermediaries investing Sipp money for their clients.
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Advisers want innovative protection products says PruProtect
6 Dec 2007
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Aifa confident of defusing VAT bombshell for advisers
6 Dec 2007
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Aifa in 11th hour bid to stir up RDR responses
6 Dec 2007
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Ashcroft takes stake in Arc
6 Dec 2007
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Assure thing
6 Dec 2007
In my opinion, Assureweb seriously needs to raise its game to compete with other portals. I have been increasingly concerned about delays to software being launched in partnership with Assureweb.
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Axa piloting medical tests at chemists
6 Dec 2007
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Axa tests enhanced annuity deal
6 Dec 2007
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Axa trials enhanced annuity product with Hargreaves Lansdown
7 Dec 2007
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Bailiff threat in commission battle
6 Dec 2007
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Bank of England cuts rates to 5.5%
6 Dec 2007
The Bank of England’s monetary policy committee today voted to reduce interest rates from 5.75 per cent to 5.5 per cent.
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Bill set to detail personal accounts
6 Dec 2007
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Bland ponders the known unknowns of the review
6 Dec 2007
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Briault warns lenders to draw up emergency plans
6 Dec 2007
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'Bribes' aimed at avoiding cover
6 Dec 2007
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Broker Talkback
6 Dec 2007
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Brokers back Cameron's calls for lenders to cushion borrowers
11 Dec 2007
Brokers have backed David Cameron’s calls for lenders to help borrowers who are struggling to meet higher repayments.
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Brought to book
6 Dec 2007
I cannot say I minded being regulated. Not in the beginning. I had been in the business for 33 years and the little IFA outfit I had formed 10 years before in 1976 was doing quite nicely. It would be worth coughing up 400 to 500 to see the back of a few crooks who lurked in our industry.
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Brown facing pension battles on all fronts
10 Dec 2007
Political rows within Government over providing additional help for pension victims and with the Opposition regarding a rather loose-lipped civil servant and European GPP issues have over-shadowed the publication of the Pensions Bill.
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Buckles acquires Jennings Insurance and Investment Services
10 Dec 2007
Welsh IFA firm Buckles has acquired Jennings Insurance and Investment Services following the retirement of its principals.
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Burrows in business switch to MPL
6 Dec 2007
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Capita taking over Pru's admin in outsource deal
6 Dec 2007
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CII calls for single standards structure and mandatory prof membership
10 Dec 2007
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CML calls for review of bank's role
6 Dec 2007
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CML urges Conservatives to improve state support for home owners
11 Dec 2007
The Council of Mortgage Lenders has urged the Conservatives to consider policies to improve the “woefully inadequate level of state support” that currently applies to home owners, compared with tenants.
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CML warns of £30bn funding shortfall in 2008
5 Dec 2007
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Collins Stewart launches fund management business
5 Dec 2007
Collins Stewart has announced the launch of its stand-alone fund management business, Collins Stewart Fund Management.
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Commercial breaks
6 Dec 2007
There was a growing consensus at the start of 2007 that after three years of double-digit returns, the commercial property sector was likely to face a slowdown.
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Cooper for pension role at Zurich
6 Dec 2007
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Corporate raiders
6 Dec 2007
Cavanagh Group became the latest company to raise its profile in the corporate advisory market last week when it acquired employee benefits specialist JRG Financial Consultancy.
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Courts approve EqLife transfer
6 Dec 2007
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Credit Suisse pays managers to win
6 Dec 2007
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Devil's cauldron
6 Dec 2007
When friends from outside financial services ask me about the retail distribution review, I explain that the regulator is trying to raise the standard of financial advice in the UK while giving light-touch regulation to the banks to unleash their mighty brands and flog financial services products over the bank counters.
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Dollar damage
6 Dec 2007
Since 2002, the dollar has depreciated by 32.8 per cent against sterling. Since August, uncertainty over the credit crisis and falling US interest rates have led to the dollar hitting new lows against many currencies which has threatened to turn an orderly decline into a rout.
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Double indemnity deal from Paymentshield
6 Dec 2007
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DWP ministers in battle with Treasury for pensioners' compensation package
10 Dec 2007
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European Commission grants approval of Northern Rock bailout
5 Dec 2007
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F&C appoints Standard & Poor’s MD in governance role
5 Dec 2007
F&C has announced the appointment of Standard & Poor’s (S&P) managing director George S. Dallas as the firm’s corporate governance director.
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Fidelity changes managers for UK aggressive and growth funds
6 Dec 2007
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Firms face action as reps fail on TCF
6 Dec 2007
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Flat chance
6 Dec 2007
Aclient, Mr Smith, has asked me about the effect that the proposed changes to capital gains tax will have on his investments. He has money invested in property, unit trusts and investment bonds.
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Former HSBC duo set up structured products boutique
7 Dec 2007
Former HSBC pair Chris Taylor and Mark Dickson are launching a new structured products boutique in January 2008.
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Four-way junction
6 Dec 2007
The FSA has asked if the retail distribution review might apply to mortgages and protection, which makes a great deal of sense on one hand and is nonsense on the other.
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Fraudsters bullied bank employee to reveal data
6 Dec 2007
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Friends appoints Cracknell to develop distribution strategy
6 Dec 2007
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FSA defends its role in Northern Rock debacle
11 Dec 2007
The FSA has defended its position in the Northern Rock fiasco, rebuffing suggestions that a false market has been created in Northern Rock share trading.
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FSA delays RDR by four months
6 Dec 2007
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FSA turns RDR spotlight on mortgages and protection
6 Dec 2007
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Gary Withers
6 Dec 2007
Few people can match the CV that Credit Suisse's new vice-chairman and head of asset management for EMEA Gary Withers can bring to the table.
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GE looks at wholesale link
6 Dec 2007
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GMAC-RFC revamps partners website
10 Dec 2007
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Goal bonuses
5 Dec 2007
It seems that Credit Suisse is looking to follow some of its peers into the boutique culture by introducing performance bonuses into a number of fund manager contracts in a bid to bolster returns at the firm.
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Goverment's lack of action over Equitable Life report is totally unacceptable, says MEP
11 Dec 2007
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Government must do more to encourage pension saving pre-2012, says Haddrill
6 Dec 2007
The ABI has called on the Government and employers to do more to encourage people to save before personal accounts are introduced highlighting the eight year waiting period before employers have to make full contributions.
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Govt fails to fully align protected rights with non-protected rights
10 Dec 2007
The Government's consultation on protected rights in Sipps has disappointed providers because it will not bring protected rights completely into line with non-protected rights funds.
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Guernsey pensions take £2.25m hit due to ill-timed Northern Rock investment
10 Dec 2007
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Guidance needed on conflicts of interest
6 Dec 2007
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Hain under pressure over disclosure
6 Dec 2007
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Happy talk
6 Dec 2007
Ned Cazalet is always worthy of a decent quote or two. If ever you need to liven up a dour article about insurers, he will be only too happy to oblige, if you can track him down.
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Health management
6 Dec 2007
We are living in the information age and the media makes sure we are kept abreast of developments in every field.
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Homeloan brokers reject suggestions of churning
6 Dec 2007
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House prices fall by 1.1 per cent in November
5 Dec 2007
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IFAs beware of Mifid merger into CF30
11 Dec 2007
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IMA wants HMRC to get tougher on data security
6 Dec 2007
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Insight appoints trio to equity research team
6 Dec 2007
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Investec launches offshore emerging market debt fund
7 Dec 2007
Investec Asset Management has announced the launch of its offshore emerging market debt fund.
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Italy wants EU super-regulator
6 Dec 2007
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JC Flowers pulls out of race for Northern Rock
7 Dec 2007
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Journalist jams protection system
6 Dec 2007
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Keep the heirship flying in France
6 Dec 2007
France has recently been hit by a series of strikes in response to reforms brought in by president Nicolas Sarkozy.
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Knight sees mezzanine opportunity
6 Dec 2007
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Land banker shut after BERR probe
6 Dec 2007
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Last gasp for RDR responses
7 Dec 2007
As the days get shorter and the weather can’t quite seem to make up its mind at the moment, things also seem a little, well, up in the air for all things IFA-related.
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Lawyer warns of more sub-prime action
6 Dec 2007
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Levelling down could wipe five years off GPPs
6 Dec 2007
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Liongate links up for multi tracker note with Barclays Capital
6 Dec 2007
Liongate Capital has teamed up with Barclays Capital to create a tax-efficient structured product around the Liongate multi-strategy fund of hedge funds.
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Lord and Shalton join Thinc in twin takeover
6 Dec 2007
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Mix and match
6 Dec 2007
Life is not getting easier, even if shares are having the odd good day. The sheer size of daily fluctuations is enough to put off all but the most seasoned investor or those who, more through hope than real conviction, believe they can use these swings to their advantage. Although current news is hardly encouraging, there seems sufficient expectation that somehow we will muddle through to bring buyers out on a regular basis.
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Mobile advisers hit the road
6 Dec 2007
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Mortgage mates
6 Dec 2007
The only way for many graduates to get into the property market is to pool resources with a partner, family member or friend.
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Mortgageforce in deal with B&B
6 Dec 2007
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Multi choice
6 Dec 2007
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Neptune adds Asian and Latin funds
6 Dec 2007
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New residence and non-dom rules will cost the economy, says Grant Thornton
10 Dec 2007
Grant Thornton says the Government's consultation on residence and domicile has ignored the cost of the changes to the UK economy.
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New Star reduces value of UK Property Unit Trust by 8.2%
10 Dec 2007
New Star has reduced the value of its £2.1bn UK Property Unit Trust by 8.2 per cent, reflecting increasingly negative sentiment about the commercial property sector.
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Northern Rock bidder drops out
5 Dec 2007
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Norwich Union believed to be missing canoeist's insurer
5 Dec 2007
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Nucleus signs six new firms
10 Dec 2007
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Olivant Group bid gets backing from small shareholders
7 Dec 2007
Olivant Group, led by ex-Abbey boss Luqman Arnold, has revealed the details of its proposed bid which has already received the backing of Northern Rock's small shareholders group.
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Only 7% backing move to fees
6 Dec 2007
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Out in the cold
6 Dec 2007
Most insurers are set to publish their contracting-out guidelines for 2007/08 within the next couple of months. Expect this year's guidance to differ significantly from what you have seen in recent times. The reason for the change is that this tax year marks the start of a new five-yearly rebate period.
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Over 40% of under 35s have no pension, says Endsleigh
5 Dec 2007
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Paragon says it has funding for 10 years
6 Dec 2007
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Pensions Bill out today prompts calls for clarity over GPPs
5 Dec 2007
The Pensions Bill is due to come out later today which has prompted calls from providers for clarity over the position of group personal pensions.
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Pensions Bill provokes further calls for detail and clarification
6 Dec 2007
The long-awaited Pensions Bill containing details of personal accounts came out yesterday and with it a flurry of commentators by turns outraged or encouraged by various aspects of the proposed reforms.
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Pensions Bill: Aifa warns on access to advice and means testing
5 Dec 2007
Aifa director general Chris Cummings says the trade body is supportive of the introduction of Personal Accounts as part of the Pensions Bill but says there are certain issues that still need to be tackled.
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Pensions Bill: Death of stakeholder signalled by repeal of employer law
5 Dec 2007
The Pensions Bill will remove the requirement for employers to designate a stakeholder pension scheme marking the final nail in the coffin for stakeholder schemes.
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Pensions Bill: Exemption test for good schemes "impossible" to comply with
6 Dec 2007
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Pensions Bill: Hain says personal accounts will lead to millions more savers
5 Dec 2007
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Pensions Bill: PADA has conflict of interest over choosing exempt schemes, says Standard Life
5 Dec 2007
A potential conflict of interest exists in the role of the Personal Accounts Delivery Authority if it can set the test by which good schemes become exempt, says Standard Life.
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Pensions Bill: Qualifying scheme tests and means-testing still big hurdles
5 Dec 2007
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Pensions Bill: Regulator given the power to fine employers up to £50,000
5 Dec 2007
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Personal account fear as insurers reject small GPP
6 Dec 2007
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Personal Accounts chairman’s position is "clearly untenable", say Tories
5 Dec 2007
The Conservatives have branded the position of Personal Accounts Delivery Authority chairman Paul Myners “cleary untenable” after he launched a personal attack on the Tories.
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Premier picks triple targets
6 Dec 2007
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Progress satisfies protection advisers
6 Dec 2007
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Property team look for IFAs
6 Dec 2007
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Quarter of financial websites fail FSA's tests
6 Dec 2007
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Regional release
6 Dec 2007
Figures from Key Retirement Solutions paint a regional picture of the popularity of equity release, comparing sales from January to September 2006 with the same period this year.
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Regret over loss of trusted brands
6 Dec 2007
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Regulator's winter of discontent
6 Dec 2007
The FSA has been flexing its muscle in the mortgage market by taking action against over 70 firms.
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Resolving conflict
6 Dec 2007
Conflict of interest is good copy for the press and some of it isn't too complimentary. Product and service providers are accused of disregarding their customers and the professional standards of advisers are questioned. This is leading to misgivings about the quality and appropriateness of products and services.
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Richard Brown
6 Dec 2007
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Rivals step up bids for Rock
6 Dec 2007
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Route master
6 Dec 2007
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Scheme option feature in Sipp
6 Dec 2007
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Search lists certified financial planners
6 Dec 2007
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Short story
6 Dec 2007
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Sipp minimums are revealed
6 Dec 2007
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Slipped Disp
6 Dec 2007
In a recent column, I gently probed the lack of accountability at the Financial Ombudsman Service, something best demonstrated by its appetite for "unashamedly making new law", as chief ombudsman Walter Merricks once confessed to the Financial Regulation Industry Group.
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Standard Life quits protection market
6 Dec 2007
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Standish joins Fisher as MD
6 Dec 2007
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Step on the gas
6 Dec 2007
Asia might capture the headlines but investors should not overlook the attractions of Eastern Europe. Exposure to commodities demand and ongoing convergence with developed Europe underpin the case for exposure to these markets in a well diversified portfolio. Add in the rich opportunities to be found around the region on an opportunistic basis and we believe it offers the potential for superior risk-adjusted returns.
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Stock treatment
6 Dec 2007
I am always wary of emerging markets which have had a good run but I think an exception can be made where an investment manager has consistently outperformed the benchmark.
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Stocking fillers
6 Dec 2007
If I write my wish list this Christmas, what should I include to ensure that next year brings the opportunities I hope for?
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Storm over SJP client transfers
6 Dec 2007
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Sudden swing sends house prices reeling
6 Dec 2007
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Sweet smell of succession
6 Dec 2007
Arecent report from PricewaterhouseCoopers reminds us of the importance of the small business market to financial advisers. It is hard to deny the importance of family businesses, which account for more than two-thirds of companies registered in the UK and that is without taking account of businesses constituted as partnerships and sole traders.
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Swiss Life set to swoop for AWD
6 Dec 2007
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There is no alternative to the FSA
6 Dec 2007
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Thoresen will be keynote Protection Review speaker
6 Dec 2007
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Threesixty tells trade bodies to bare their auditing teeth
6 Dec 2007
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Tories demand PM activates emergency pensions package immediately
10 Dec 2007
Shadow Work and Pensions Secretary Chris Grayling has written to the Prime Minister demanding he activates a pensions package immediately to compensate the victims of occupational scheme collapses.
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Tories launch own Home-Buying Review today
7 Dec 2007
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Towry Law aquires Analysis
10 Dec 2007
Towry Law has announced its acquisition of Analysis, a financial advisory firm based in Londonderry, Northern Ireland.
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Treasury to tighten rules on how family businesses pay themselves with dividends
6 Dec 2007
New rules proposed by HM Revenue & Customs could overturn a famous defeat for the Government in the House of Lords that allowed a husband and wife business to take an income in the form of dividends to minimise their tax payments.
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Trustee needs
6 Dec 2007
Estate planning is a growing market and one of the essential tools is the trust, wrapped around various investments including investment bonds.
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Tsars in their eyes
6 Dec 2007
Russia is sitting on a huge fiscal surplus and investors wanting exposure to emerging economies should take stock. This is the message from portfolio managers and advisers after the Russian government unveiled its extravagant spending plans following announcements that the 2014 Winter Olympics will be held at Sochi on the Black Sea.
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UBS reports $10bn writedown
10 Dec 2007
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Watchdog's dinner
6 Dec 2007
Whenever I get really depressed about the capacity of financial services industry regulators to prove to customers how effective they are at protecting their interests, I look at other sectors where levels of protection are still virtually non-existent.
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Widows pulls quotes from portals
6 Dec 2007
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Winterthur shows strength with pension business boost
6 Dec 2007
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Woe begone
6 Dec 2007
Paragon and Kensington are the latest lenders to have had their troubles seized upon and reported widely. Part of the problem is that both are specialist lenders identified with a particular market. Paragon, the third-biggest buy-to-let lender, is one of the most innovative suppliers of loans to landlords. Managing director John Heron is one of the most respected experts on buy to let. If Paragon is in trouble, many journalists have concluded that the buy-to-let sector as a whole must ...
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Woolwich apologises to brokers for backlog
6 Dec 2007
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Yorkshire leads Homebuy with £170m in first year
6 Dec 2007
