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Openwork adds fixed-term annuities

Openwork is the first major retirement adviser firm to include fixed-term annuities in its product range by teaming up with Living Time to offer the plans as an alternative to lifetime annuities.

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Scheme spirit

The March Budget confirmed the clampdown on scheme pensions but it looks like there is still life in the sector.

Life bonds v mutual funds

The changes to capital gains tax have created uncertainty over the relative merits of different investment products. This has reignited the long-running debate as to whether a client should invest via a life bond or a mutual fund.

Fair means or foul

Taking my life as editor of Money Marketing in my hands, I would like to make a suggestion about treating customers fairly which may not be music to the ears of every IFA but may make sense for their businesses. I cannot help wondering if it might be possible for advisers to work with the FSA and strike a less oppositional note.

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