For the average UK consumer, a major disincentive to save through a pension is the perception that they will be forced to buy an annuity at some point.
Annuity rates have fallen in recent years, due to increasing average life expectancy and economic factors such as low long-term …
It’s a sad irony that while China has been single handedly responsible for the strong health of the global economy over the past decade its own state of wellbeing would have even the most optimistic doctor struggling for words.
Its land is sick, its rivers are sick, its …
The Internet has revolutionized business over the past 20 years – first as an online brochure medium for companies to direct customers to before evolving and allowing firms to directly sell their products and services to consumers.
Things haven’t stopped there however, the latest revolution – video – …
You can make a case for many different styles and types of investments, but it’s impossible to defend apathy and ignorance as reasons for deciding on an investment strategy.
Yet that is the case for an estimated 2.7 million members of defined contribution (DC) pension plans in the …
Consumers – that is, the people we are in business to service, can only hold one idea in their heads about you at one time. One idea. Fullstop. That’s it.
That means, you can’t be all things to all people under one brand. It’s just not possible.
So, …
In its latest review of the distribution of retail financial products in the UK, the Financial Services Authority (FSA) as come up with a new definition of independence for financial advisers.
Previously, an adviser was independent if he or she selected products from across the entire market, rather …
