Money Marketing
8 December 2004
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77% of investors say restore Isa tax concession
9 Dec 2004
HSBC is revamping its asset management business, with plans to close poorly performing funds and expand better-performing investments.
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A class act
9 Dec 2004
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Abbey and Standard clash on A-Day plans
9 Dec 2004
Prestbury Financial is launching a whole-of-market IFA business in January, which aims to double its number of RIs from 200 within a year.
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Adviser is jailed for 1.8m theft
9 Dec 2004
A senior financial adviser with a leading East Anglia firm has been jailed for six years for stealing 1.8m from clients over a 12-year period.
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Another turn of the screw
9 Dec 2004
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Artemis get an early Christmas present
10 Dec 2004
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Bank of Ireland keeps loan in the family
9 Dec 2004
Bank of Ireland Mortgages' first start loan will be sold through sister company Bristol & West by the end of the first quarter of 2005.
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Berkeley Morgan Group sold to Personal Group in 12.3m cash deal
10 Dec 2004
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BoE chief King backs longevity-linked bonds for annuities
9 Dec 2004
The Government could provide a more buoyant annuity market through the launch of bonds linked to mortality indices, according to Bank of England governor Mervyn King.
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Britannia reduces its ten-year fix rate mortgage
10 Dec 2004
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Can Severn bridge the divide?
9 Dec 2004
Aifa has made the hugely controversial decision to select the architect of depolarisation as its new director general.
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Cancer charity in attack on ABI
9 Dec 2004
The ABI is failing to force private medical insurance providers to be transparent over cancer treatment, says charity CancerBacup.
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Capital crunch for mortgage brokers
9 Dec 2004
Are mortgage intermediaries under-capitalised? The FSA is pondering this question and if it decides to take action, a rise in professional indemnity cover or changes in capital adequacy requirements could have a big impact on mortgage firms and networks.
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Carr in call to axe TPD from CI lists
9 Dec 2004
Total permanent disability should be scrapped from critical-illness insurance policies as it is a flawed concept, says Lifesearch senior technical adviser Kevin Carr.
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Cathedral widens property horizons
9 Dec 2004
Cathedral Independent Financial Planning has joined with overseas property network Blue Horizons to offer advice on buying property abroad.
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Catherine McGrath
9 Dec 2004
PruHealth's chief executive is determined to change the private medical insurance market with innovative products such as offering lower premiums for healthy lifestyles
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Cavanagh Group issues profit warning
8 Dec 2004
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Charcol draws up a new cast for the passion play
9 Dec 2004
The return of John Garfield and Charles Wishart to Charcol 30 years after they helped to set up the firm will bring back the passion that made the company renowned, says the new board.
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Chelsea Building Society - Five Year Fixed Rate
14 Dec 2004
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Chelsea Building Society - Two Year Fixed Rate
10 Dec 2004
Chelsea Building SocietyTwo Year Fixed Rate
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Clerical criticised for enhanced commission offer on WP bond
9 Dec 2004
Clerical Medical has been criticised for offering enhanced commission and allocation rates on its with-profits bond at a time when its bonus rates have been largely falling.
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CML says HIPs need more work before implementation
8 Dec 2004
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Commentary: The realities of regulation
9 Dec 2004
Recent estimates by the Building Societies' Association suggest that the cost of mortgage regulation for lenders may reach 500m. However, little work seems yet to have been done on the similar likely costs for those parts of the industry that will have to comply with Icob from January next year.
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Correspondent's week
9 Dec 2004
With just two weeks of being a consumer journalist under my belt, I realise there is life beyond regulation.
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CTFs get top-up
9 Dec 2004
The Chancellor's pre-Budget report introduced measures to end abuse of tax relief for UK film production. The Treasury says the move, which takes immediate effect, is designed to ensure that the reliefs operate as intended.
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Cummings in pledge that his Aifa role will not affect AMI
9 Dec 2004
Association of Mortgage Intermediaries director Chris Cummings has assured mortgage intermediaries that the AMI will keep its independence despite his appointment as deputy director general of Aifa.
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Dance of the Severn veils
9 Dec 2004
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David Severn - from the regulator to the relegated REGULATED
9 Dec 2004
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Defaqto report says wrap propositions do not offer fully integrated pension facilities
8 Dec 2004
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Depolar bears
9 Dec 2004
It has been two years since the FSA doomed polarisation and now the industry finally knows just what what the future holds.
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Depolarisation edge: Gareth Marr
9 Dec 2004
Independent advice is a product in itself that ought to be viewed as a stand-alone commodity. It is not a means to sell products to customers, it is advising them on everything that they need to organise their finances.
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Depolarisation edge: Stephen Ingledew
9 Dec 2004
The term multi-tie has no real meaning in the current world of financial advice - it is like referring to a sixpence in a post-decimalisation world - so can we stop using the term as it certainly does not help consumers.
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Deutsche Asset Management European head sacked following HQ transfer
8 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Digest
9 Dec 2004
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Double tax shock for with-profits
9 Dec 2004
With-profits policyholders face a double tax whammy on their savings with Chancellor Gordon Brown planning changes to how life funds are taxed.
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DWS Investment Trust Managers launching China investment trust
8 Dec 2004
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Dynamic entrance
9 Dec 2004
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Example of initial disclosure document
9 Dec 2004
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F&C's VCT team to set up small companies boutique
9 Dec 2004
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Fantasy league
9 Dec 2004
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Farrow's view
9 Dec 2004
New products are coming that claim to beat deposit rates but they also have a high bafflement factor.
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Feed the mortgage brokers
9 Dec 2004
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Fidelity in white-label talks with banks
9 Dec 2004
Fidelity is in talks with high-street banks about white-labelling funds as it looks to take advantage of depolarisation distribution opportunities.
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FOS wants endowment chasers to be regulated
9 Dec 2004
The Financial Ombudsman Service is calling for the regulation of mortgage endowment claims management firms.
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Freedom Finance appoints operations director
13 Dec 2004
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Friends Provident International peaks with bond
9 Dec 2004
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Friends reach the Zenith point
9 Dec 2004
Friends Provident InternationalZenith
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FSA gets ready to scrap RU64
9 Dec 2004
RU64 could be set to be scrapped, with the FSA to consult on its abolition in the New Year.
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FSA to look at cross-subsidies and KFIs
9 Dec 2004
The FSA will review crosssubsidies of customers on mortgage provider books and look at shortening KFIs.
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FSA warns 4,500 firms have not applied for general insurance regulation
10 Dec 2004
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Fund for thought
9 Dec 2004
IFAs are concerned about being blocked out in the distribution chain but some fund firms are determined to keep independent advisers in the forefront of their business.
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Growing pains
9 Dec 2004
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Halifax house index shows 0.4% fall in prices in November
9 Dec 2004
The CII has revealed its new exam structure which introduces a module on investment and risk.
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Hanging on the telephone
9 Dec 2004
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Harris on mortgages
9 Dec 2004
Competition is definitely a good thing - and nowhere is this more true than when it comes to mortgages but herein lies the problem - HBOS. Don't get me wrong, this is not have-a-go-at-HBOS time.
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High point
9 Dec 2004
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IFA brands brought under Origen name
9 Dec 2004
Well-known IFA brands Advisory & Brokerage Services, Wentworth Rose, Aurora Financial Group, Momentum Financial Services and Elliott Bayley will disappear early next year.
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IMA calling for fund harmony across Europe
9 Dec 2004
The Personal Finance Society is planning to run specialist programmes for personal and corporate financial advisers.
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Independent view
9 Dec 2004
Young people are leaving the industry, disillusioned by the constant barrage from the media and the FSA.
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Inherit careful approach
9 Dec 2004
It is well known that a married couple can save up to 105,200 of inheritance tax by leaving assets to persons other than the surviving spouse on the first death and a typical IHT planning strategy for married couples is for each will to include a clause stating that an amount up to the nil rate band at the date of death will be left subject to a discretionary trust.
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Investment view
9 Dec 2004
The is a dangerous degree of consensus among investment houses over expectations for 2005.
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Julian Gibbs
9 Dec 2004
Close Finsbury has come up with an innovative new fund called the Multi Asset Portfolio.
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Keep the watchdog at bay
9 Dec 2004
We all have to be responsible for our actions in life. Well almost all, two related groups appear to have the ability to make irresponsible decisions without fear of being called to account. I refer, of course, to the FSA and the Financial Ombudsman Service.
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LIA's view
9 Dec 2004
This is the last article I shall write for Money Marketing before the Personal Finance Society comes into being on January 1. It is an interesting time of transition for both the LIA (32 years old) and Sofa (12 years old).
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LifeSearch to offer Red Arc services to all protection policy holders
8 Dec 2004
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Liontrust - Liontrust Distribution Fund
9 Dec 2004
LiontrustLiontrust Distribution Fund
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Manor Park - Guaranteed Global Growth - January 2005 Series
13 Dec 2004
Manor ParkGuaranteed Global Growth - January 2005
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Millfield boosts business and slashes branch offices
9 Dec 2004
Berry Birch & Noble Financial Planning is setting up a financial advisory service aimed at UK medical professionals.
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Millfield expects significant proportion to multi-tie
14 Dec 2004
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Millfield reveals multi-tie structure
14 Dec 2004
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MLC repricing Mom in bid to gain Sipp sales
9 Dec 2004
The world's third-biggest manager of manager provider MLC has revealed a new pricing structure which is aimed to tap into a growing self-invested personal pension market.
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MLP is aiming to double IFAs to 100
9 Dec 2004
Bestinvest has acquired pension specialist SMA Group in a move that almost doubles its staff.
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Mortgage Express - Three Year Discount Buy To Let
9 Dec 2004
Mortgage ExpressThree Year Discount Buy To Let
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Mortgage Express - Three Year Discount Buy-To-Let
8 Dec 2004
Mortgage ExpressThree Year Discount Buy-To-Let
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Munich Re Life appoints head of life development team
10 Dec 2004
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Mystery shoppers will be used in crackdown
9 Dec 2004
The FSA will mystery-shop mortgage firms and lenders following regulation of the sector.
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NAPF wants citizen's pension and an end to means testing
9 Dec 2004
The Treasury has refused IFAs the right to appeal against Financial Ombudsman Service decisions but test cases may be allowed to go to court.
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Neptune teams up with Calculus for VCT debut
10 Dec 2004
Neptune Investment Management has teamed up with private equity manager Calculus to offer the Neptune-Calculus income and growth venture capital trust.
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Noble shows spirit of adventure
13 Dec 2004
Noble & Company UniVen VCT
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North Atlantic Value - Leisure & Media VCT C Shares
8 Dec 2004
North Atlantic ValueLeisure & Media VCT C Shares
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Out of context
9 Dec 2004
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Packager slams claims that the sector is dying
9 Dec 2004
A Professional Mortgage Packagers' Association board member has hit out at claims that depolarisation will mean the death of the packaging industry.
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Pension Scrooges
9 Dec 2004
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PFS looks at dropping fee-based advice term
9 Dec 2004
The Personal Finance Society is considering dropping the term fee-based advice, saying it is misleading.
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PFS wins deal for university pensions
9 Dec 2004
The Personal Finance Society has signed an exclusive agreement to offer advice to members of the biggest pension scheme in the country.
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Pressure grows to boost Isa allowance extension
9 Dec 2004
Advisers have welcomed Chancellor Gordon Brown's U-turn to extend Isa allowances but say he should keep the allowance indefinitely.
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Product matters
9 Dec 2004
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PruHealth
9 Dec 2004
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Raising state pension is only way to solve crisis -Lib Dems
13 Dec 2004
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Reasons to be cheerful
9 Dec 2004
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Resolution Life buys Swiss Life closed book
9 Dec 2004
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Richard Verdin on Protection
9 Dec 2004
With the benefit of hindsight, I guess most mortgage advisers wish they had taken a month's holiday starting on November 1. If they had, they might well have avoided the business issues caused by a number of lenders in dealing with key facts illustrations and adviser registrations, which together with the slowdown in housing transactions combined to make November the worst month on record for many small mortgage and insurance businesses.
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Risk runners
9 Dec 2004
IFAs are calling on fund companies to be clear about what risks managers are taking to achieve returns.
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Road to recovery
9 Dec 2004
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Sarasin eyes up global properties
14 Dec 2004
Sarasin Chiswell, formerly Sarasin Investment Management, has established a fund which provides indirect exposure to global property.
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Scottish Provident CII cover rates are reviewed
14 Dec 2004
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Severn bridges gap to take Aifa top job
9 Dec 2004
Aifa has picked the architect of depolarisation, FSA head of retail investment policy David Severn, as its new director general.
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Standard simplifies IHT plan structure
9 Dec 2004
The Investment Management Association has called for an urgent summit meeting with the Treasury in a bid to save tax breaks for hundreds of funds.
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Take your revenge
9 Dec 2004
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Talkback
9 Dec 2004
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The real thing
9 Dec 2004
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Tilney wins AA rating for hedge
9 Dec 2004
Sarasin Chiswell, formerly Sarasin Investment Management, will include the property investment funds - the proposed UK version of real estate investment trusts - in its new multi-manager global property fund.
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Treasury review will see FSA handbook re-written
8 Dec 2004
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UK interest rate is held at 4.75 per cent
9 Dec 2004
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URL never work alone
9 Dec 2004
There are good reasons why online mortgage delivery has failed to take off in the UK.
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West LB plays weighting game
14 Dec 2004
West LBPerformance Seeker
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When the Poat comes in
9 Dec 2004
As house prices have risen, there is evidence that inheritance tax will affect more people.
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Winds of change
9 Dec 2004
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Woolwich does the splits
13 Dec 2004
Woolwich Plan Managers has established the guaranteed 50:50 deposit account. This combines a five-year FTSE 100-linked guaranteed equity bond with a one-year fixed rate high interest account.
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Woolwich Plan Managers - Guaranteed 50:50 Deposit Account
10 Dec 2004
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YFM VCT easy as ABC
8 Dec 2004
YFM Private Equity intends to raise up to 15m in C shares for its British smaller companies venture capital trust.
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Zurich multi-tie picks ScotEq as its sole pension provider
9 Dec 2004
Zurich Financial Services' multi-tie distribution business launches next year and will be branded Openwork, with Scottish Equitable as sole pension provider.
