Pensions

Communicate now

There is no shortage of activity to address the savings gap; in addition to personal accounts and RDR we now also have the Thoresen report. The latter proposes pleasantly practical and pragmatic...

Who pinched my margin?

I wonder what happened to our charges? I knew a time when the industry levied much higher charges than today, and arguably those charges now account for a large proportion of the...

Guiding light

Otto Thoresen's much anticipated final report into generic advice has achieved that rare feat in financial services reviews - a near universal welcome from across a wide spectrum of stakeholders.Advocating an improvement...

Enjoy the ride

There is a feeling of unease among investors across the globe. The likelihood of a US recession is spooking markets, which have been volatile for the past few months, giving investors cause...

Get engaged with staff

Engagement may sound like the latest management-speak fad but it can help companies to boost productivity and reduce staff turnover. What's more, if advisers want their clients' workforces to value their pensions...

In sickness and wealth

The fact that the business protection arena has played host to a number of new product launches and other innovations during recent months is as good an indication as any of the...

The wisdom of cover

Few products can boast the sort of growth dental plans have seen over the last couple of years. Figures from Laing & Buisson show there was a 30 per cent rise in...

Capital gainers and losers

The introduction of the Treasury's hotly debated new Capital Gains Tax (CGT) regime for individuals will leave both winners and losers in its wake - including many senior executives and wealthy investors....

Share and share alike

The concept of an employee share plan is actually a very simple one. Give your staff the chance to own a slice of the company they work for, and they will work...

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