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Polarisation predictions

Stakeholder prediction

Assuming that New Labour retains office, I can guarantee that the blame in regard to the failure of stakeholder will be laid squarely on the pension industry and the commission-greedy advisers.

Equitable Life prediction

The story will run on for some years and, rather than blame their own internal departments such as the Treasury and DTI, there will be an inquiry into “with-profits”. The life industry and again the advisers will be blamed for advising with-profits and possibly another inquiry will be launched in regard to misselling by the FSA.

Polarisation prediction

If the Government will have its way , any Cat-standard product will not need advice. This will lead to direct salesforces being able to sell Cat-standard products.

While the increase in Catstandard products and stakeholder means cheaper products for the general public, it will also mean life offices will not be so profitable and there will be far more amalgamations, leading to less choice for the general public.

This Government want an end to the regulations on financial advisers and want the industry to police their own salesforces, leading directly to tied agents, etc.

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Legal & General – Legal & General Stakeholder Pension – Group

Tuesday, 17 April 2001.Type: Group stakeholder pension.Minimum premium: £20.Minimum group size: 1.Minimum-maximum ages: From birth-75.Fund links: Consensus fund, European equity index fund, Japanese equity index fund, UK equity index fund, US equity index fund, global equity index fund, global equity fixed weights index fund, cash fund, distribution fund, equity fund, ethical fund, European fund, Far […]

Bringing company pensions in line

We are purchasing another company and need your advice on dealing with its pension and benefit schemes. As you have discussed with your solicitors, it has now been established that pensions are not covered by the Transfer of Undertaking Protection of Employment Regulations. This means you do not necessarily have to continue with similar or, […]


The annual report from the Financial Services Consumer Panel in March proved it really is an independent voice. The report supplies telling research for IFAs to use in their dayto-day business. The report states “Consumers in general are not proactive in their approach to their finances. As a result, they rely heavily on advisers and […]

David Shelton

Now that it has finally arrived, let us pause and consider what stakeholder is actually about. “Pensions for the people”, “the death of advice” and “provider ruin” are just some of the claims. Many believe it could lead to some significant changes that will hit the industry. Pensions for the people is a laudable aim. […]

Allianz Technology Trust – April 2017

Welcome to the latest update for Allianz Technology Trust PLC from the Trust’s portfolio manager, Walter Price. Portfolio review The Trust’s NAV returned 4.3% , outperforming the Dow Jones World Technology Index return of 2.8%. In US dollar terms, the portfolio gained 4.8%. During the month, stock selection contributed to relative performance, and industry allocation […]


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