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CA, Help the Aged and TUC in joint call for pensions solutions

The Consumers&#39 Association, Help the Aged and the TUC have all urged the Government to meet the pensions challenge with radical reforms and take pensions out of the political arena.

Consumers&#39 Association director Sheila McKechnie says: “The Government needs to remove policy decisions on pensions from political interference and work with all stakeholders to build a new pensions structure for all consumers.”

Help the Aged head of public affairs Mervyn Kohler says: “The Government’s Green Paper must take major positive steps towards creating the foundations of a more secure future for all.’

John Monks, TUC General Secretary, said: “Britain&#39s pensions crisis runs deep, and requires urgent action. The Government must take notice of this wide coalition with so much in common.”


Options on endowments

It would appear that mortgage endowment policyholders have several options open to them to address any projected potential shortfall in their plan&#39s targeted maturity value:•Increase their endowment&#39s premium.•Convert all or part of their loan to a capital and interest basis.•Make separate alternative provision for any anticipated shortfall.•Do nothing.•Complain, alleging that they were missold the endowment […]

Product matters

Gartmore&#39s cautious managed fund is a good example of the type of fund that I expect to be widely used next year. The appetite for cautious funds is huge and there is a growing recognition among IFAs that ach-ieving a balance bet-ween equities and bonds is a significant part of giving best advice.Gartmore is making […]

Premier Asset Management – Premier Extra Income Plan

Thursday, 12 December 2002 Type: Capital protected bond Aim: Income or growth linked to the performance of the Dow Jones Eurostoxx index Minimum-maximum investment: £7,000-£1m Term: Five years Guarantee: Original capital returned in full provided the index does not fall by more than 30% Return: 6.25% income a year, 0.5% income a month or 34% […]

Patrick Gale

Leading a quarter of Britain&#39s IFA population to flotation within 18 months under the newly merged Misys network is surely a task that few would relish, yet Misys IFA chief executive Patrick Gale is convinced he has the answers.Unsurprisingly, for a man with a software background, Gale believes the future of the industry lies in […]


Guide: day-to-day tasks ​— can your system manage?

This guide from Johnson Fleming will take you through the required communication and also give ideas for additional actions that will ensure your auto-enrolment project is a success. As well as highlighting what is required from a system to ensure it is up to the tasks, an overview of the following is also provided: data validation; data categorisation; employee communication; opt-in process; opt-out process; produce contribution schedule; contribution reconciliation process; upload of member data to pension provider; upload contribution to pension provider; manage salary sacrifice process; enrolment process; re-enrolment process; and management of increased employee queries.


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