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Unsteady hands at the helm

The recent article, What advisers think of Sandler, gave us comments from the usual people who see themselves steadying the ship while at the same time creating all the turm-oil that makes for bigger waves.

Advice is already separated from the product purchase, otherwise IFAs would be paid commission whether they sold a product or not.

We do not need to convince the public of anything. We are still selling plans by the bucketload despite this alleged concern regarding “lack of confidence”. If there are unsuitable plans, why does the FSA let “saving plans” produced by bankers be called endowments? I see no fingers pointed in that direction.

Remuneration of advisers was the subject of three years of debate (Rolac, Miboc, the MCA). I could go on.

Comments from those with vested interest are of little use. Treat the disease, not the symptoms.

Terence O&#39Halloran

Newland, Lincoln


UCB Home Loans – 2 Year Discount

Thursday, November 22, 2001.Type: Discounted rate self-certification mortgage.Discounted term: Two years.Discount: 1.65 per cent.Payable rate: 5.44 per cent.Minimum loan: £25,000.Maximum loan: Loans of up to 50 per cent of valuation subject to amaximum of £750,000, 51-70 per cent subject to a maximum of£500,000, 71-80 per cent subject to a maximum of £300,000, 81-85per cent subject […]

Product matters

Religion and capitalism make uneasy bedfellows and by and large the two would much rather have nothing to do with each other. However, deities are nothing if not unpredictable and even the most devout of followers may want to make provision against an inconveniently prolonged sojourn in this temporal realm. There are around two million […]

Edinburgh Portfolio appoints investment head

Edinburgh Fund Managers has appointed Mark Harris as the new head of investment management for its multi-manager business, Edinburgh Portfolio. Harris joins Edinburgh Portfolio from HSBC Asset Management where he had worked in the funds of funds business since 1995, and was responsible for around £600m of assets. Prior to HSBC he worked at Schroders […]

Zurich rolls out latest MPPI package

Zurich Financial Services is launching a new mortgage protection package, providing a range of cover under one plan. The Allied Dunbar Mortgage Protector plan is available as a single life or joint life policy. It combines within one product wrapper protection benefits that previously had to be arranged separately, such as level term cover, critical […]

Pensions - thumbnail

Preparing for the changes to the pensions market

As more and more providers start to reveal their stance on the charge cap and removal of commission and active member discount pricing, we thought it would be worthwhile to look at what these are, and the steps businesses should be taking to prepare for this.


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