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A matter of trust

Lorna Bourke now seems to understand that contributions to a pension scheme, be they occupational, personal or stakeholder, could be a total waste of money (Money Marketing, September 12).

If the emerging benefits are below the future equivalent of the minimum income guarantee, then no added value to the pensioner will be present despite his or her contributions.

The choice that all clients, advisers and journalists have is what do we distrust more – the fortunes of the market or the promises of politicians?

Alex Postan



Cirencester, Glouc


Standard Life flexes its group muscle

Standard Life – Group Personal Pension Flex Type: Group personal pension Minimum premium: £6,000 a year a scheme Minimum group size: 5 Minimum-maximum ages: 1 &#45 75 Fund links: Sterling one, fixed interest one, index linked one, property one, protection one, structured one, managed one, ethical one, stock exchange one, international one, European one, Japanese […]

Severn says FSA wants to drop plans for AFA

The FSA would like to drop the Authorised Financial Adviser model and implement a payment system more palatable to the majority of IFAs, according to head of polarisation review David Severn.Speaking at the Distribution Strategies Post-Sandler conference in London last week, Severn said that if there was an alternative to the defined-payment system which would […]

Sweet VCT takes second bite of the cherry

Teather & Greenwood is issuing further shares in its Alternative investment market (Aim) venture capital trust (VCT). The company expects thus year&#39s VCT season to be slow, so it is issuing C shares early in an attempt to raise a maximum of £10m. This VCT invests mainly in companies quoted on Aim that have above-average […]

Down to business

I am a Dutch national who has been resident in the UK for the past 25 years and is now within six years of retirement age. Having built up substantial pension fund assets in the UK, I am concerned about the currency risks I face. Should I return to the Netherlands at retirement? During our […]


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