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Can advisers really beat the market downturn?

This summer saw the S&P 500 rule headlines for enjoying the longest-running bull market in history. Yet, as per the old adage, what goes up inevitably comes down, and it is the job of advisers to manage clients’ portfolios accordingly – either directly or via the third-party investment services they use. A crude assumption might […]

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Tom Hegarty: Should paraplanners be Level 4 qualified?

There is currently no minimum qualification level, but the majority of advisers think this needs to change The role of the paraplanner is a relatively new one and its definition and responsibilities can differ hugely between firms. According to the Chartered Institute for Securities and Investment, the role can be broken down into four key […]

Court ruling opens door for higher IHT bills

Pension savers in ill-health are at a greater risk of being hit with a 40 per cent inheritance tax bill after a Court of Appeal ruling in favour of HM Revenue & Customs, experts have argued. Currently anyone who is in ill-health, transfers their pension and then subsequently dies within two years could see their […]

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Equity release breaks £1bn mark in Q3

Homeowners released £1.02bn of property equity from July to September, according to The Equity Release Council’s newest figures. This compares to the £971m released in Q2 of this year, and £824m in Q3 2017, a yearly increase of 24 per cent. In contrast to this sharp growth, the Council points out that the average amount withdrawn […]