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Which? backs pensions over Isas

Pensions remain a better vehicle than Isas to save for retirement according to research appearing in the latest edition of Which? Magazine.

It found pensions are a more efficient way to save because of the 40 per cent tax breaks they receive.

It shows that £100 a month invested from the age of 40 would give a retirement fund at 65 of £86,000 in a pension, £73,000 in a tracker Isa and £60,000 in an actively managed Isa. The report says Isa funds have to work much harder than pension funds to give the same sort of return over the longer term.


FSA says depolarisation rules will be out by Christmas

The FSA has set itself a deadline of Christmas to publish its consultations the new post polarisation regime.It says it has been deluged by responses to CP121 from the industry and consumers, some of which are large in size and require time to process. The regulator also says it will have to take the reviews […]

HL sparks IFA row as it stops WP sales

Hargreaves Lansdown has put the sale of with-profits products on hold for the next few years in a move condemned by other leading IFAs.The Bristol intermediary says any money going into with-profits will simply be used to repair damage to ravaged funds if markets improve. If markets continue to slump, it says life offices could […]

WorldCon puts the markets on a knife-edge

The news that US telecoms giant WorldCom fraudulently overstated profits by $3.8bn has sent shockwaves thr-ough an industry just beginning to come to terms with the Enron scandal.Although another financial debacle was far from unexpected, it is the scale of the misreporting that has sent markets rocking rather than the fact that WorldCom is the […]

Conundrum of charging for financial advice

There is one aspect of the defined-payment proposal which seems not to have received any airing.Consider the following:Two brothers of similar age live near each other, follow similar careers, earn similar amounts of money and retire at about the same time, each with a retirement lump sum of £60,000.Brother A consults his local IFA for […]


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