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Early retirement hopes dashed

Early retirement is becoming a dim and distant hope for many people because of poor savings and increasing life expectancy , according to the Institute of Fiscal Studies.

Its research shows pensions and savings are not enough to provide for such long retirements. It found changes to public and private pension schemes are reducing incentives for the vast majority of men and women to retire early.


Product matters – Virgin One

Advisers should take a look at the revamped current account mortgage from Virgin One, now wholly owned by Royal Bank of Scotland.Initially launched in 1997, Virgin One has taken a different approach to banking compared with traditional banks and mortgage lenders. Clients pay a single interest rate on everything they borrow – their mortgage, loans […]

The Exchange launches long term care service

The Exchange is launching a long term care quotation and information service that gives IFAs instant access to detailed company information and product details. The LTC centre includes a comprehensive library of provider literature comprising sales aids, application forms, technical brochures and customer focused material. IFAs can request an LTC quotation by either linking directly […]

Friends thinks positive as new business falls

Friends Provident new business fell by 2.5 per cent to £343m in 2001 from £352m in 2000.But the life company claimed the figures were positive because the 2000 figures partly reflected big volumes of single-premium investment business written in anticipation of possible demutualisation benefits.Friends Provident&#39s new life and pension business increased by 10 per cent […]

Scottish Life – why we didn&#39t pay additional bonus

Strong words were used in last week&#39s Money Marketing art-icle about Scottish Life&#39s bonus declaration but it is important to consider – and to understand – the facts, rather than let emotions and possible “kneejerk” reactions cloud the issues.The easy option, in many ways, would have been for Scottish Life/Royal London to have declared the […]

Is volatility dead? No, sell credit

There are several arguments that one could currently make for why credit markets look unattractive. These include signals that the US economy is in late cycle, the fact that corporate leverage has been increasing (with 2016 setting a record for the amount of global bond issuance), and that US high-yield default rates have risen considerably […]


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