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Timetable for depolarisation

December 1, 2004Depolarisation rules take force. Transition period beginsFirms wanting to depolarise must inform the FSADepolarised firms must implement all rules simultaneouslyJanuary 14, 2005FSA rules for general insurance and protection beginNew disclosure documents and statements of client needs and demands implementedAll firms must have procedures for referring complaintsJune 1, 2005Transition period ends. All firms must comply with new rulesIFAs must use menu and new initial disclosure documentIndependent firms must offer fee-based advice and provide whole-of-market service

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Menu costs will be passed back to consumer- Which

Consumer group Which has slammed depolarisation as an expensive waste of time for customers. Which senior policy adviser Mick McAteer says the costs of bringing in the menu, which the FSA now estimates will at 28m a year for tied firms and 13m for independent firms, will inevitably be passed back to the customer. McAteer […]

Derek Stuart: where to find value in the UK?

Derek discusses a number of Œself-help stories as examples of where he is finding good opportunities in the UK With the FTSE trading at historically high levels, many investors have questioned whether UK equities continue to offer value. But, as Derek points out, the headline figures mask many opportunities at a sector level. He has […]

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