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CAB to close final-salary scheme

The Citizens Advice Bureau is to close its final-salary pension scheme for both current and future employees after its deficit doubled in three years. Trade union Unite said the proposed replacement money-purchase scheme would not provide a guaranteed pension for staff when they retire.


Complaints of unlevel playing field on SSAS

Closing a loophole that allowed holders of small self-administered schemes to pass on assets to family members tax-free will create another distortion in the market, says Rowanmoor Pensions director David Seaton.Proposals in the pre-Budget report for an 82 per cent tax charge on unused scheme pension assets were meant to bring SSASs in line with […]

The rules of attraction

As demand continues to outstrip supply, a strategy for hiring staff is crucial

Sole survivors

The dependants of sole traders could face hard times if they don’t mind the gap

Sales shift could see dip in commission

Advisers who rely on up-front commission could see their revenue streams severely dented if insurance bond sales fall off following the pre-Budget report.Many experts predict a shift away from insurance bonds to unit trusts and Oeics because of the adverse tax situation for bond investors under the Chancellor’s proposals.Insurance bonds typically pay 5 to 7 […]

A modern horror story

Every day a quick scan of the news reveals some new horror that will change the lives of those involved forever – the unlucky accident on the way to work, a tragic illness that cuts a young life short or the holiday accident that leaves more than just a scar to cope with. We barely […]


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