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Poles Apart


1: What benefits can multi-ties, product ties, white labelling or dep-olarising stakeholder products bring to consumers which the current system fails to deliver?

2: How much will any change cost to implement, who will pay for this change and by what method?

3: What possible changes to stakeholder and Isas could be made to increase the efficiency of distri-bution without requir-ing changes to the polarisation regime?

4: What evidence is there to demonstrate a new regime will increase savings levels, especially for pensions?

5: What plans are there for a full public debate before any changes are made?

6: What research has been done to gauge public understanding of the current regime and how quickly they will understand the new set-up?

7: Will a change in the regime risk increasing the incidence of misselling and misbuying and, if so, by how much?

8: Who is ultimately responsible for the decision at the FSA and the Treasury?

9: Is this decision being taken purely on competition or economic grounds, as the London Economics&#39 report suggests, or is the consumer interest to be taken into account?

10: What damage will the options for change, that is, multi-ties, multi-product ties, gap-filling or white labelling, and depolarising Catmarked or kitemarked products do to the IFA sector over the next five to 10 years?


PIA board fights in IFAs&#39 corner with vote for polarisation

While its parent regulator, the FSA, dithers and delays its decision on polarisation, IFAs have found an unexpected ally in the PIA board. Following an invitation from the FSA to comment on the misguided London Economics report, the PIA board has given a full and clear endorsement of polarisation.How refreshing that someone over at Docklands […]

Skandia to my art

It is no secret that I believe financial supermarkets represent the future of financial services.So it was very interesting to spend some time recently with a life office that has quietly been operating what amounts to a financial supermarket in the UK for nearly 20 years.This company is, of course, Skandia Life. While the focus […]

Investment view

Two magazines have recently published lists of companies delivering rapid growth – one in the US and one here in Britain. The rather depressing element in both of them, so far as I am concerned, is that I have not heard of any of the companies. Take the top slot in Fortune magazine&#39s 100 fastest-growing […]

ScotLife given Royal assent to strengthen IFA relationships

Scottish Life&#39s deal with Royal London, announced last week, has given us a lot to celebrate and a lot to think about.Of course, it is not yet finalised and depends, among other things, on a vote by our members and on approval by the Court of Session, with the process likely to last until the […]


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