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Not such smooth operators

Dianne Hayter’s Viewpoint seems to be entirely from her own perspective.

My observations of her supposed successes measure in percentage influence rather than actual achievements.

Perhaps she should return to her medically-based heritage because if she really thinks that “mystery shopping” and “the removal of the smoothed investment product” from a range of products the quality of Sandler’s are two great achievements, along with the others that she lists, she is blind to the realities of the market.

Having had some experience of consumer panels in one form or another, I conclude that the world and particularly consumers, such as myself, would be better without them. Her band have wrought havoc and created chaos in the name of consumerism.

Defined-benefit pension schemes have disappeared. With-profits endowments have disappeared. Compen-sation has been paid to thousands of people who really do not deserve a penny because their contracts have not yet matured and, therefore, any loss has not yet been determined.

Consumerists? I think not. Rather, self-serving, highly paid, self-aggrandising people who really should get a proper job and leave those of us who already have one to get on with ours.

Terence O’HalloranO’Halloran & Co,



Key opens the market

Nicola York finds that the affordable housing sector is thriving despite media confusion about covenant conditions

Structured value

German bank West LB which trades under the name Structured Solutions Group in the UK structured market, has started to increase its market share with good value products such as the latest offering, the early bonus plan three.While rival products are having to incorporate two indices or put the original capital at risk to offer […]

RBS seals 0.9bn stake in Bank of China

Royal Bank of Scotland and Bank of China have established an exclusive strategic partnership after 18 months of negotiations. RBS will nominate a director to sit on the BoC’s board and will lead an investment of 10 per cent in BoC for 1.7bn. Of this, RBS itself will invest 0.9bn, with no plans to increase […]

Women’s group opens to all types of adviser

The Women’s IFA Group is opening its membership to all types of adviser following depolarisation and changing its name to the women’s financial adviser group. Wig has around 1,000 members but founder Fiona Price believes numbers could triple in five years as it brings whole of market, multi-tied, tied and mortgage advisers into the fold. […]

Seeking quality in uncertain markets

By Ewan McAlpine, Senior Client Portfolio Manager In uncertain times, investors naturally seek safety. But in fixed income markets, what does that really mean? Ewan McAlpine outlines the approach RLAM’s Fixed Income Team will be adopting across its credit funds in response to potentially volatile markets this year. Click here for full article


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