8 March 2018

Profile: Scottish Widows boss on Lloyds’ commitment to the business

New distribution director Jackie Leiper on increasing confidence and investment from its banking group parent The failed Scottish Widows/Standard Life merger grabbed the headlines last month, as reports linked it to Lloyds’ decision to end a £109bn investment management arrangement with Standard Life Aberdeen. But news just a couple of days later that the banking group is […]

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Scott Gallacher: Targeting millennials is a wasted effort

My fellow advisers and other industry experts often speak about a pressing need for us to engage with “millennials” (roughly speaking, the generation of 18- to 35-year-olds). However, I take a completely opposite view. I am not saying some millennials would not benefit from our advice, but in terms of our own businesses, actively targeting […]

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Tony Wickenden: Making VCT and EIS investment fit for purpose

New rules aim to ensure venture capital scheme investments flow to the right businesses, not just those focused on delivering tax-motivated returns. The tax attraction of pensions has undoubtedly been effective in encouraging investment in them over the years. Influencing people’s behaviour using tax relief and tax freedom has clearly worked. Perhaps too well in […]

Richard Buxton: Three cheers for the return of volatility

A degree of fear and volatility is healthy, as investors have chance of picking up bargains. Market corrections are a healthy part of everyday investing. Make the most of the opportunities they provide. Spring is in the air. Wakened from their cosy lethargy of the long winter months, Mother Nature’s green shoots are starting to […]

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Could mortgage advice reform boost protection? 

A wider discussion around the risks of mortgage debt should increase protection sales. There is no regulatory requirement for mortgage brokers and advisers to discuss protection or go through the wider risks clients face when taking on mortgage debt. However, when advising clients on investments, various steps must be taken to ensure they are taking […]

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Steve Bee: Why still no justice for Waspi women?  

For calls for change to still be falling on deaf ears in 2018 is beyond disappointing There is a serious issue with our pension system today that has been allowed to continue for many years with no resolution. Over 20 years ago, the government decided to require millions of older people in the future to […]

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Nic Cicutti: Enough is enough with FOS arrogance and incompetence

More disappointment ensues from an organisation that supposedly prides itself on transparency and openness How do you deal with responses from regulators and other official bodies to your queries? Do you find yourself becoming livid with anger at their dismissive tone, yet end up letting it go because – let’s face it – their behaviour […]