Liverpool Victoria is launching an investment bond that allows free switches between three new with-profits funds – cautious, balanced and growth. The All-In-1 investment bond is available for sums between 10,000 and 500,000 and carries an option of a five-year capital preservation guarantee.
Ashley Law has chosen Selestia as its preferred fund supermarket for all its advisers across the UK. Ashley Law follows recent decisions by IFA groups Park Row and SimplyBiz to also use Selestia’s platform. It has 120 registered individuals working out of 70 franchise offices across the UK and says its strategy is more customer-centric […]
What are the arguments in favour of a flat rate of income tax and how likely is it to be adopted in the UK?
US-owned life office The Hartford has put together a with-profits review guide for advisers with clients in the asset class. The Hartford has consistently targeted with-profits money since launching into the UK last year. Its latest with-profits review guide includes key questions and issues to consider, template letters for approaching clients and providers and a […]
Scottish Equitable Protect is making changes to its online protection underwriting service, including single data entry and better commission. The system now allows single data entry, with pre-population of quotation data and gives 10 per cent commission for online applications. The changes go live on October 24 and Scottish Equitable says IFAs will now be […]
The National Association of Pension Funds (NAPF) recently published its 40th annual survey of workplace pensions. The survey looks at both defined benefit and defined contribution schemes.
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Another investment manager offering enterprise investment schemes has alerted clients of a 10 per cent drop in value for one of its portfolios following new Mifid rules. Mifid II, which came into force on 3 January, requires firms to notify clients when the overall value of their portfolio, relative to its value at the beginning of each reporting […]
The recent enquiry by the work and pensions select committee has reignited the debate about the future of collective defined contribution schemes. Whether these sort of schemes can be incorporated into the current UK pensions landscape is a moot point. Let’s consider some of the arguments for and against CDC. First of all, it is […]
Retirement interest-only mortgages are set to become more popular following the FCA removing hurdles to selling them. The regulator sees RIO mortgages as a possible aid to the waves of maturing interest-only loans with no repayment strategy. However, the FCA also wants RIO mortgages to be sold more widely, for example as an additional option […]