Which? has published a guide for consumers to protect themselves from unscrupulous advisers by becoming more financially aware. It says the commission system is a less than ideal way of paying advisers and that consumers should arm themselves with relevant information to cut through sales patter. The Be Your Own Financial Adviser guide looks at all-in-one mortgages, the new state pension scheme and buy-to-let mortgages.
Fund research company Fitzrovia is calling for total expense ratios to be used as an indication of true fund costs across the industry as fund firms continue to increase annual charges on Oeics and unit trusts.Fitzrovia wants investment houses to be more open about their total expense ratios after its research found that annual charges […]
The equity markets will show no significant returns for a long time as disillusioned investors opt for alternative investments, according to leading economist Roger Bootle.Bootle, an adviser to the last Conservative Chancellor Ken Clarke, told PIMS 2002 delegates that poor stockmarket performance over the last two years and scandals such as Enron have driven cautious […]
The Faculty and Institute of Actuaries is urging companies to consider alternative defined-benefit schemes that allow employees and employers to share investment risk. It says companies can bear some or all of the investment risk before retirement but pass the risk to employees at retirement. This is done by giving benefits as a lump sum […]
What is it about pigs and financial services? It's bad enough for Zurich to try and persuade us that pigs can fly but now Barclays is trying to woo us with fairy tales about pigs, bulls and bears. So are greedy pigs ruining the property market?The press is full of tales of potential house price […]
Jelf Employee Benefits focuses on Ebola Virus Disease (EVD) and what this means for businesses with operations in West Africa. This will be of particular interest to those with employees either travelling to, or living within, West Africa, the area affected by the most catastrophic outbreak of Ebola to date.
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Three advice firms have stopped giving pension transfer advice following work by the FCA over the future of the British Steel Pension Scheme. A statement this afternoon details the FCA’s “information gathering exercise” to identify the firms that have been most active in advising people to transfer out of the scheme. The regulator got information from […]
The FCA has launched a consultation on its approach to authorisation and competition, which will be open to responses until March next year. Following the launch of the FCA’s mission in April, the approach documents are the second and third in a series of papers explaining how the watchdog tackles regulation. The first document, the […]