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Steady 6% beats a negative 10%

I refer to Peter Hargreaves’ recent holier than thou rant on with-profits bond sales.

Peter’s company has made millions operating mainly as a execution-only discount broker, with a financial adviser arm tagged on for those fortunate to have more than £100,000 to invest, so he has a vested interest in scaremongering over with-profits bond sales.

He claims that IFAs are shovelling in with-profits bond sales while his unit trusts crash and burn on the stockmarkets, so be it.

Surely, some clients right now with or without £100,000 to invest would like a nice steady 6 per cent return rather than a negative 10 per cent on your average unit trust.

As an IFA, I have never sold a with-profits bond and probably never will but I would like my clients to have the choice .

John Miller

Bates Edinburgh


‘Don’t put PF in maths lessons’

The Ifs School of Finance has called on the Government to drop any reference to personal finance from the maths curriculum. It says combining maths and financial education is a flawed approach.

Identifying best-in-class UK stocks — Mark Martin, Neptune UK Opportunities Fund

FE Alpha Manager Mark Martin assumed management of the multi-cap UK Opportunities Fund at the beginning of February. As manager of the highly regarded UK Mid Cap Fund, Martin has begun restructuring the new portfolio to focus on our very best UK stock ideas from across the FTSE All-Share Index. In this video, update Martin addresses:

– Themes informing the UK Opportunities Fund
– The multi-cap structure of the fund
– UK equity valuations


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