5 May 2016


Why small-cap investing can be beautiful

Exposure to the UK small-cap market can provide investors with additional spice to their wider portfolios. Like any good chef, however, fund managers have to consider a broad range of ingredients in order to make the end result a tolerable experience. Providing investors with a dish that could leave them with heartburn would not be […]

Robert Reid: Why having the risk conversation is vital

With all the discussion around due diligence, much of it has centred on products, platforms and providers, with the client sitting firmly to one side. But just as important as due diligence on providers is making sure there is a robust process in place to determine a client’s risk profile. There needs to be more […]


Malcolm Kerr: Competing in the digital world is not for the faint hearted

I was encouraged to read in the FCA Business Plan that it will launch a sandbox, creating a safe place for businesses to test new propositions that meet certain criteria, in order to ensure they will meet regulatory requirements. It expects this will accelerate the development of genuinely novel products that benefit consumers and provide leading examples […]

Profile: CISI chief on the ‘parallel universe’ of financial regulation

If there is one thing in financial services Simon Culhane just cannot fathom it is the idiosyncrasies of the regulatory system. The chief executive of the Chartered Institute for Securities & Investment, now encompassing the Institute of Financial Planning, is baffled at the over-regulation of financial services relative to other industries. Take gambling, for example. […]


Providers plan mass transfer out of outdated lifestyle funds

Providers are eyeing a mass transfer of workplace pension customers from out-of-date lifestyle funds. Last week Scottish Widows announced it would be moving “hundreds of thousands” of customers from annuity-targeting strategies to flight paths that assume they will stay invested into retirement. The firm said it found only 25 per cent of customers had bought an […]


Steve Bee: Time to revolutionise pensions and let staff choose their auto-enrol scheme

I was really very pleased to read about the Government’s interest in allowing employees that are automatically enrolled to choose where their pension is invested. Alongside many others, it is something I wholeheartedly support. In the old days of defined benefit company pensions it was right for employers to choose where that scheme was invested. After all, the employer […]


Chris Gilchrist: The rights and wrongs of IFA forecasts

I do not question for a minute the predictions of the EY team Money Marketing recently reported on about the future of independent versus restricted advice. EY’s Malcolm Kerr knows more about this market and its economics than anyone. But I want to agree to disagree and focus on where IFAs will not only be […]

Back to the drawing board: Industry takes Govt to task over Lifetime Isa

The Government’s Lifetime Isa could be knocked off course just two months after being unveiled as the industry challenges key features of the flagship product. The Association of British Insurers and firms acting independently are lobbying the Treasury to drop aspects of the Lifetime Isa, due to launch in April 2017. Money Marketing understands potential providers […]


FCA under fire over lack of transparency following opaque reports

The FCA is under fire after a series of publications perceived as lightweight has left the industry guessing what action has been taken behind the scenes. Following its report on due diligence report in February, commentators expressed surprise at the brevity of the six-page document and called for the regulator to be clearer about the consequences for […]