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Money Marketing - Previous analysis
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http://www.moneymarketing.co.uk
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Case study: Dividing pensions after divorce
A couple are in the process of divorcing but the husband, with the significantly higher pension, is thinking of early retiring before thedivorceprocess is finished.
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Brave new world
Gregor Watt reports on the market turmoil from the Greek deadlock after the country’s general election but says fund managers are looking ahead of the crisis and see a glittering chance for intrepid investors
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The Technical Quiz- May 17
To help you to keep up with the fundamentals of tax, retirement and financial planning, try answering these five questions.
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MM Profile: Andrew Whiteley
Spurred by the early discovery that he did not like selling other people’s products, the director of Provisio and partner of Assetfirst has gone on to prove that an independent streak can stand you in good stead Interview by Rachael Adams
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Solvency test
Could regulation coming out of Europe ultimately restrict mortgage availability? Paul Thomas reports
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FE Adviser Fund Index
By Shaun Cumming
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Prison break
Much has been written about the plight of the so-called mortgage prisoners and there will be much more to come. Consumers could be forgiven for not being aware of the problem that is storing up and it will hit hard unless something radical changes in the short term.
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What Advisers Are Saying: Who owns the client?
That 81 per cent of advisers love what they do would hardly constitute a sparkling disquisition of the status quo.
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The real protection gap is between knowing and doing
Martin Werth welcomes growing support for his push for consumer protection awareness and now is hoping for action
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Is emerging market debt worth the risk?
Emerging market debt is gaining popularity among fund managers but as the asset class is linked to currency, Joanne Ellul asks if it is too volatile for the average investor
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Dealing with FSCS Keydata letters
FSCS is moving in on IFAs that sold Keydata Lifemark plans.
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NewBuy flawed
Paul Thomas reports problems are already starting as rates rise on the Government’s much heralded scheme
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L&G interview: The fixed-term annuity is not a good product for consumers
Legal & General is warning that fixed-term annuities could create a misselling scandal and has hit out at rival providers’ price-matching tactics.
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Financial planning case study: Building up nest Egg
A SSAS is the right choice for directors to restart pension saving
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Phil Wickenden What Advisers Are Saying
So, what’s your telephone strategy? is a question Seth Godin recently posed.
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MM Profile: James Dean
By working alongside IFAs wanting to service clients who fall outside their business model, Decide2 managing director explains how the firm’s brand of focused or flexible advice presents the advice gap as an opportunity Interview by Natalie Holt
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Into Africa
Emerging market pioneer Mark Mobius is convinced that Africa has great long-term potential, reports Joanne Ellul
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Point of difference
The absolute return category is growing in popularity but also in complexity, making it difficult to compare funds like for like, says Gregor Watt
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Sting in the QE tail
The Treasury select committee has asked the Bank of England to provide detailed analysis of the effect of quantitative easing on pension schemes and savers amid warnings that the policy is hitting retirees hard.
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A bridge too far
Paul Thomas reports on why mortgage distributors are increasingly shying away from unregulated bridging loan providers
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The Technical Quiz - May 03
To help you to keep up with the fundamentals of tax, retirement and financial planning, try answering these five questions. Answers can be found at: www.moneymarketing.co.uk/technical
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Financial planning case study: Hold over the IHT liability
Estate planning and referring specialist needs to a solicitor will pay off for a couple
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What Advisers Are Saying: Indy Vs restricted
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FE Adviser Fund Index
The search for yield always raises the question of how much investors can get from equities versus bonds. The argument that you get a good overall total return from a combination of dividend yield plus capital appreciation from equities is a strong and proven one over time. But there are also times in the cycle when it can pay to have a bigger allocation to fixed income when seeking investments that will give a decent yield.
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Absolute return
Deleverage climate yields prospects
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MM Profile: Steve Martin
Smart Financial Planning managing director and head of the North-west branch of the IFP on why the world is finally coming round to his way of thinking.
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MM Profile: Stephen Gay
The Association of British Insurers’ new director of life, savings and protection believes the industry must learn lessons from the past and be prepared to act quickly when important issues appear on the radar Interview by Tom Selby
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Fast track
An increased focus on fund management charges could see the UK follow in the footsteps of the US, which has seen a surge in low-cost trackers. Gregor Watt reports
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Energy meter
Oil prices look set to stay high but there are still problems to face for global energy funds, reports Joanne Ellul
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Quality control
As lenders are increasingly putting quality of business before volume, Paul Thomas asks if this is a way of introducing proc fee cuts by the back door
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The Technical Quiz - April 26
To help you to keep up with the fundamentals of tax, retirement and financial planning, try answering these five questions.
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What Advisers Are Saying
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Financial planning case study: Understand your client
It is important to find out why a client has strong views on portfolio composition
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FE Adviser Fund Index
As we close in on the next rebalancing of the three Adviser Fund Indices, panellists are considering what changes, if any, they want to make.
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Obstacle course
Controversy surrounding the proposed ban on non-advised sales - viewed by many advisers as an attempt to solve a problem that does not really exist - means a line cannot be drawn under the MMR just yet. Rachael Adams reports
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Proc and roll
Our panel consider the merits of a ban on non-advised sales and a plan for procuration fees based on business quality
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Are your cookie processes ready for new European rules?
Marilyn Cole, founding partner of Space01, sets out how a new European directive on internet privacy will affect financial services firms in the UK
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The Legal Services Act- opportunity or regulation nightmare?
A change in the law governing the ownership of law firms came into effect this year which could offer IFA firms opportunities to expand their businesses.
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Are tech stocks fit to burst?
Is Facebook’s startling $1bn purchase of two-year-old company Instagram proof that a technology bubble is about to pop? Joanne Ellul reports
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The prisoner of lender
Paul Thomas looks at plans from lenders and the FSA to help borrowers trapped with their mortgages
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MM Profile: Jon King
The managing director of More 2 Life believes equity release has turned the corner after a grim few years and says a combination of product innovation, new funding sources and Ship’s continued efforts will see the market flourish Interview by Gregor Watt
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What advisers are saying: Relevant life policies
Back when Mad Men stalked Madison Avenue, marketing was something you did last.
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Take a gap year from tax
A client over 55 is looking to take a career break. As a higher-rate taxpayer, she normally has the incomeand the ance to allow her to make a significant pension contribution but as she will not be earning a salary, what isthe most efficient way to use the tax relief available to her?
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The Technical Quiz - April 19
To help you to keep up with the fundamentals of tax, retirement and financial planning, try answering these five questions.
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FE Adviser Fund Index
The debate over the appropriateness of structured products continues but, with the RDR looming, will it force a conclusion?
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Bill Mott: We are in the biggest financial experiment in history
PSigma income manager Bill Mott says the global economy is walking a tightrope and that the current plan of action could result in a black swan event
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DAs lose the case for cash
Paul Thomas reports that lenders are rethinking their distribution strategies in light of the FSA’s new stance and directly authorised firms could suffer
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Defining factors
With the mortgage market review consultation period now over, the horse-trading between the intermediary representatives and the lending community now begins in earnest.
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The Technical Quiz - April 12
To help you to keep up with the fundamentals of tax, retirement and financial planning, try answering these five questions.
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Financial planning case study: Triple effect for long term
Investing an inheritence for three children with different timescales needs careful consideration of risk and return
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