View from

Brexit impacts being felt more strongly

Commenting on recent Purchasing Managers’ Index (PMI) data, Melanie Baker, Senior Economist at Royal London Asset Management believes the impacts of Brexit are beginning to be felt more strongly as respondents flagged subdued business and consumer spending. Read the blog here Past performance is no guide to the future. The value of investments and the […]

Investment Clock Economic report: Cautious, not pessimistic

Cautious, but not pessimistic is the message from Royal London Asset Management’s Senior Economist, Melanie Baker, in her latest Investment Clock Economic report. Although global growth has lost more momentum than expected, lower oil prices are good news for consumers and policy stimulus provides support. Read the report here Past performance is no guide to the […]

Why is Staveley important for advisers when it comes to transfers and switches?

Clare Moffat, Head of Business Development at Royal London, breaks down the recent Staveley case and why advisers should take note. HMRC v Staveley and Piney (2018): the background This case dates back to 2005/2006. So why is it important today? Because there are implications for clients who transfer or switch in ill health, then […]

The changing employment landscape and its impact on saving for the future

Labour markets are in the midst of a seismic shift. Self-employment is rising. Contractor employment is rising. More people than ever are working flexibly, in a booming ‘gig economy’. And, on top of all this, increased life expectancy is seeing people remain in employment for much longer too – even after they’ve taken retirement. With […]

The new breed of paraplanners

Here’s an intriguing question for some of your more historically minded colleagues on a quiet lunchtime. What’s been the biggest change to the industry over the last 20 years? By way of answer, you’ll probably get some mix of: RDR Pension simplification Regulatory body changes (PIA to FSA to…) Pension freedoms The rise of platforms. […]

Scotland’s system of income tax rates and bands: how it works

From 6 April 2017, the Scottish Government were given powers to set a Scottish rate of income tax which applies to any non-savings, non-dividend income for those deemed to be Scottish taxpayers. These rates apply to an individual’s earned income, pension and most other taxable income. However, confusingly, for any savings income and dividend income, […]

Why is relationship management so important for advisers?

It’s easy to see technology as a threat, but it doesn’t have to be; professional advisers, unlike robo-advisers, can excel at the soft skills – valuing clients, respecting them, understanding their investment objectives and feelings. All of these are major contributors to building long-term trust and relationships. Watch the full video and also find out […]