Goodfellows has established IncomeInsurance, an accident, sickness and unemployment policy for a mortgage or any other purpose. IncomeInsurance was designed in response to a survey by the British Association for Protection Brokers. It found half of UK workers do not have savings or insurance to fall back on if they were unable to find a […]
Last week, I looked at a simple piece of tax planning for a couple aged under 65. Here's another which applies when both spouses are aged 65 or over. A few bullet points will help us.When both spouses are aged 65 or over, it is beneficial if the total income of each is kept below […]
Sub-prime packager Advantage Mortgage Services is starting a national network for mortgage packagers.The network will provide a range of products for members along with mortgage processing software and a training and development programme.Advantage has already signed up one packager, Derby-based Future Finance, and hopes that 50 others will join. It says it has 20 further […]
By the time you read this, we will have heard the result of the Bank of England's August interest rate deliberations and the betting is on no change. Indeed, I believe the base rate may be in for another relatively long period of stability. This will inevitably lead to a wringing of hands among personal […]
Do macro headlines create white noise which impacts market prices? Portfolio Manager at Harris Associates, David Herro, discusses how market volatility can create opportunities to buy good business at a discount.
Banks are heading back into the world of advice but a culture clash means IFAs should not feel threatened It is interesting to see how many banks, asset managers and discretionary fund managers are moving into the advice space. Some for the first time. Others, with hope winning over experience, for the second or even […]
Baillie Gifford is lowering the annual management charge on four of its investment trusts from 1 January 2019. The Edinburgh Worldwide Investment Trust, Pacific Horizon Investment Trust, The Baillie Gifford Japan Trust and Baillie Gifford Shin Nippon all allow a tiered approach based on its total assets, and the group will reduce fees for the […]
FP Wealth Management director on helping other advice firms reap the benefits of taking on students If the future of advice makes you think of technology, think again. It is really all about people. A business cannot function without good people – something FP Wealth Management director Ian Bentley is well aware of. For the […]