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Actuaries call for carry-forward to stay

Actuaries are calling on the Government to reverse the withdrawal of carry-forward as part of proposals designed to improve the returns from personal pensions for low-income savers.

The suggestion is contained in a paper presented to the Institute of Actuaries this week which aims to show how a reinstated carry-forward period of 25 years would enable savers to claim a tax rebate at the basic rate on any wealth or earnings they take as an annuity on retirement.


DBS launches product guide

DBS network has launched a new product guide for its member firms designed to support them in the process of selecting the most appropriate product and provider. It says the guide is in response to requests from members for a revised explanation and presentation of product research material gathered by the network. It also provides […]

Tep-by-Tep guide

The endowment market may help you in more ways than you think. Recent regulatory concerns have caused many IFAs to stop selling endowments but these products still have a role to play for most advisers in the guise of the traded endowment market.An increasing number of endowment policyholders are becoming aware that they can sell […]

Nationwide cuts fixed rates

Nationwide is reducing the rates on its three and five year fixed rates by 0.15 and 0.2 per cent respectively.The changes mean Nationwide&#39s three year fixed rate is now available at 5.3 per cent and five year fixed rate available at 5.45 per cent.Nationwide marketing and commercial director Stuart Bernau says: “Downward movement in the […]


PIA Ombudsman – judge, jury and executioner

I wish to express my sincere thanks to all the IFAs and professionals within the financial services industry who have contacted me offering unanimous support following the publication of my letter (MM, September 27).What is frightening is the colossal number of wholly and utterly illogical and unjust judgments by the PIA Ombudsman.Judgments which only reiterate […]


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