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“Yes. In the Eighties and Nineties, getting a mortgage endowment was the done thing to do but now that the problems are clear, everyone has had plenty of time to complain.”

Malcolm Morris, Premier Independent Investments UK

“No. It is not a particularly open and transparent way to behave. It is not the right thing to do.”

Antony Ransom, IFA

“Yes. The complaints that are coming in now are likely to be fuelled by adverse advertising in the local papers. It should not go on for ever. If you have missed the deadline, you have missed it.”

Trevor Martin, Martin Financial Services

“No. I do not think they will get away with imposing this time bar. I think that when the time comes that people find they have lost out and want to complain, Norwich Union will be challenged in court.”

Ian Entwistle, Bentley and Co Financial Advisers

“Yes. Individuals need time to consider their complaints but provided that they are given sufficient warning, they have to accept that there needs to be a time limit.”

Brian Murphy, London Centre

“No. I can&#39t see any reason for it. If it has been inappropriate advice, why should you put a time bar on it?” David Locke, Tamar IFAs

Yes. If it is going to be two years before the time bar, then there is plenty of time for people to file a complaint if they have got one.”

David Robb, Ashdale Investments

Yes 57%

No 43%


PruFund clears with-profits fog

The PruFund investment plan is a single premium with-profits investment plan with a choice of two funds. The PruFund growth fund aims for growth by investing in global equities, property, corporate bonds, alternative assets such as convertible bonds and hedge funds, and cash. The PruFund growth and income fund invests in the same asset classes […]

This happy breed

A new breed of homeowner is emerging in the UK – 30-somethings who are using the equity in their homes to give up the corporate rat race and do something more meaningful with their lives. Armed with the equity in their property and flexible mortgages, this generation is turning its back on institutions and corporates […]

Clerical Medical – Distribution Fund

Type: Oeic Aim: Income and growth by investing in UK equities, fixed interest securities and cash Minimum investment: Lump sum £10,000, monthly £400, Isa lump sum £3,000, monthly £200 Investment split: 50% UK equities, 25% fixed interest, 15% UK index-linked, 10% cash Isa link: Yes Pep transfers: Yes Charges: Initial 4%, annual 1% Commission: Initial […]

Pension Edge: Christine Hallett

Although the Inland Revenue restricts the types of investments available to self-investment personal pensions, holders can still choose from a wide variety when building up a pension fund. The range of investments which can be sheltered within a Sipp is so wide that it includes some fairly exotic investments. Once investors choose a Sipp, the […]

How to balance bottom-up with top-down research in constructing multi-asset credit portfolios

In this short video, Azhar Hussain, head of global high yield at Royal London Asset Management, explains how his team balance bottom-up with top-down research in constructing multi-asset credit portfolios. Watch the video in full The value of investments and the income from them is not guaranteed and may go down as well as up […]


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