29 September 2016

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Alan Hughes: IFAs need to weigh in on what advice means

Last week HM Treasury opened a consultation into the definition of financial advice: one of the key issues identified in the Financial Advice Market Review. Firms are reluctant to provide any detailed (non-advised) guidance to investors as they are afraid it will be construed as advice under the regulatory system, with the business then held […]

Tony Wickenden: Dividend tax change puts power back with pensions

Previously in this series of articles looking at remuneration planning for SME owners I explained that once minimum pension age has been reached there are greater opportunities in setting the dividend/bonus/pension mix. In relation to that I looked at using pension commencement lumps sums but commented it was also possible to take advantage of the […]

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Martin Bamford: How to make personal finance as popular as Bake Off

I understand there is a bit of a furore right now about something called The Great British Bake Off. My wife enjoys watching Bake Off and, from the little I have seen, it is a harmless enough concept. It is also incredibly popular television, resulting in real commercial success for its owner Love Productions. It […]

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Stephanie Flanders: The world is still looking for a Plan B

The UK will be living the consequences of Brexit for years to come – yet the rest of the world seems to have moved on. At least that is the conclusion you would draw when observing recent moves in global stock markets. That said, there is no getting away from the fact the global recovery […]

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The problem with a standalone equity release qualification

The discussion around whether to introduce a standalone equity release qualification shows just how complex the advice landscape has become. The concern is that advisers are not considering equity release products due to the current qualifications being more linked to mortgage advice. There is a real fear of failure to satisfy the regulator and ombudsman. […]

My three big calls: Barings’ Christopher Mahon  

Despite the jitters of the last few weeks, low interest rates are here to stay. One can quibble about whether the Fed will hike in December but ultimately it is going to go slow. Elsewhere – say in the UK, Europe and Japan – central banks continue cutting rates. The fact of the matter is […]