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Do you agree with Alan Pickering that Isas are better than pensions for people who think that they may receive meanstested benefits in retirement ?

“Yes, because of their flexibility and higher income potential.”

Nigel Sanders, Choice Investment Services

“Yes. When the stockmarket picks up, Isas could be preferable.”

Alan Downs, Collingwood Financial Consultants

“Yes, because of the taxation position.”

John Collier, Mr J S Collier

“Yes, because your pensions will end up being means-tested.”

John Dixon, John Dixon Financial Services

“Yes. For a majority of people, that could be the case.”

Paul Badman, Harold Haynes Insurances

“It depends on the individual you are talking to.”

Paul Stokes, Jack Lawrence Financial Services

“Yes. Pensions are poor value.”

Malcolm Jones, Malcolm Jones and Co

“No. As a statement, I would not agree. It is too general. In certain circumstances Pickering is right but in other circumstances he is wrong.”

Brian Keates, Brian Keates Tax & Financial Planning

Yes 75%

No 13%

Don&#39TKNOW 12%


Aifa to lobby on protection regime

Aifa director general Paul Smee is planning to lobby the FSA and the Treasury to ensure the regime being designed by the FSA for the protection market is proportionate. It has formed a protection working party of providers and intermediaries, which will be keeping a watching brief on the FSA as it prepares for the […]

Double hit for Xmas as L&G fund charge to rise by 50%

Legal & General is set to hit investors in its £1bn fixed-interest fund with a double whammy this December when it hikes its income-deducted annual management charge by 50 per cent. It is warning IFAs it is raising the charge to 0.75 per cent from 0.5 per cent in a bid to cover the cost […]

Latin lessons

How considerate of Sir Howard Davies to start communicating to the public in Latin. This can only clarify even further the already simple, transparent and market-friendly utterances of the FSA over the recent past. My only misgiving is that maybe he has got it wrong. From my legal and insurance studies (albeit many years ago, […]

Insight offers two in one growth plan

Insight Investment has established the Insight investment growth plan, a capital-protected bond that caters for two risk profiles within one product. The accelerated growth option is designed for investors who are prepared for less capital protection in exchange for higher returns than the capital protected option, which is aimed at more cautious investors. Under the […]


Case study: administration — implementing a management log

Our client is a leading video game and publishing company best known for its console role-playing game franchises. The client provides a number of benefits, at varying levels and cost that attract a P11d liability. With the absence of a management log to track data for benefit movements, enormous administrative and therefore cost implications were occurring each year just to comply with P11d reporting requirements.


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