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IFAP publishes survival guide

IFA Promotion is releasing a free guide to help consumers survive an economic downturn, which includes cost-cutting tips and a list of “recession-friendly” financial products.

The guide suggests that savers take out unemployment and mortgage payment protection insurance to safeguard mortgage payments in the event of job loss or illness.

It says remortgaging may be a way to raise much-needed spare cash and flexible loans often allow payment holidays throughout the term.

But stopping investing completely can often be a poor move, according to IFAP. It says: “Pouring spare cash into the markets for the long term can end up being very profitable as the markets tend to rebound after a downturn before the real economy does.”

The guide says safe investments such as Government gilts or corporate bond funds provide reasonable returns without exposing the investor to the full risks of equities.

Chief executive David Elms says: “While we are unlikely to experience the problems of 10 years ago, it is worthwhile making an effort to protect yourself should the worst happen, even it just means cutting down on what you spend in the pub.”


Zurich in Deutsche Bank talks but will keep Threadneedle

Zurich has said that Threadneedle — its UK asset management arm — will remain part of the group desdpite confirming plans to sell the rest of its asset management businesses, its Zurich Scudder Investment arm, to Deutsche Bank.Zurich may also acquire several insurance subsidiaries of Deutsche Bank as part of the deal.

Independent view

We have all seen clients become more savvy when it comes to their finances. Their expectations have resulted in the multi-channel complexities we see today. But what role does the internet play and will the service ever meet client demands? Multi-channel deployment is not completely new but added features are moving at a fast rate. […]

Julian Gibbs

High-income products have come under increasing scrutiny following warnings from the FSA over the true levels of risk and high-profile examples of products falling through their protection barriers early in the term. The FSA is to be applauded for its stance. The attitude towards risk is one of the first questions that needs to be […]

Pension fund reform driving demand for corporate bonds

Pension fund reform in the UK is driving demand for corporate bonds, according to SG Asset Management. It says that the scrapping of the minimum funding requirement for pension schemes under the Myners report has led to asset allocation switch away from gilts towards higher yielding corporate bonds.

Key themes for 2017

Capital Market Notes, December 2016 Dave Lafferty, chief market strategist at Natixis Global Asset Management, assesses the accuracy of his 2016 outlook and provides his thoughts and outlook for 2017. Click here to read the full article


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