12 May 2016

Rathbones: Fundamentals are winning the battle over emotions

Do stockmarkets lead the leading indicators? It sounds like a silly question but at the beginning of the year that was exactly what many investors seemed to think. Equities were sold off heavily in the first few months and the lower they went the louder the talk of a global downturn became. The chances of […]

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Martin Werth: Bank the little wins to boost protection

I recently attended an excellent conference, where British cycling coach Sir David Brailsford gave the keynote address. He discussed his transformation of the UK team from just two gold medals in 18 Olympics up to 2000 to 18 in the subsequent three, with eight in both 2008 and 2012. His message? A relentless search for every […]

Time to end stigma on mental health for income protection plans

People have historically been reluctant to discuss mental health problems, given the stigma associated with them. But as we head towards Mental Health Awareness Week – the Mental Health Foundation’s annual campaign to promote awareness of mental wellbeing taking place on 16-22 May – attitudes are changing. In February, the Government responded to the recommendations […]

Fidelity: The value sectors on the brink of a renaissance

The past two years have presented a difficult environment for value investors. The stocks that have powered the market over that period are steady, defensive names, such as British American Tobacco, Imperial Brands and Reckitt Benckiser. They are well run companies but they are also well owned. The prices you are asked to pay for […]

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Family feuds and the impact on trustee choice

All too often, disruption and fighting can be an unhappy by-product of the process of dividing up the estate of a deceased relative. This can cause significant extra stress for family members at an already difficult time. High profile disputes have been common in recent months, with the financial legacy of a number of public […]

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Tom Kean: Suitability system is ruined to the core

Picture the scene if you can. It is the middle of a particularly dull spring and the warmth of summer is long overdue. I am sat here looking at a suitability letter for a very nice client of ours, who is one of those that fits our model of advice absolutely perfectly. He and his […]

Mark Cotter: The Russian doll of platform due diligence

With the news last week that Standard Life has acquired Axa Elevate, I suspect many already overworked advisers are heaving weary sighs. “Not more due diligence on our chosen platforms,” I hear them cry. These kinds of industry developments raise an interesting question: which parts of the platform chain are you evaluating? Is it the […]

Tony Wickenden: What you need to know about trust taxation

This week I am going to look at the taxation fundamentals underpinning trustee investment. For income tax purposes, most relevant is whether there is a beneficiary entitled to the trust income as it arises. Generally, if there is a beneficiary entitled to the income from a trust (and the income is not assessed on the settlor), […]

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Sipp firms impose property managers on savers

Standard Life and James Hay are imposing strict rules, including compulsory property managers, on customers who hold property within a Sipp. The providers require a property manager to be involved even if the Sipp member is also the tenant. A Standard Life spokeswoman says customers must use DTZ, Lambert Smith Hampton or CBRE as manager. […]

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Andrew Tully: Breaking the taboo on final salary pension transfers

Transferring out of a final salary pension scheme has long been seen as a taboo by many in the industry. But the issue has been thrown into much greater focus since the pension freedoms were introduced. This is partly because many schemes are offering transfer values higher than the historical average but also as a […]