Diversify to multiply
Diversification - and its ability to reduce volatility - has been much trumpeted by many fund managers over the past couple of years.Even the analysts at Barclays dedicated a chapter to the...
Pensions
Old can be gold
The A-Day affect may be starting to peter out but opportunities remain for corporate advisers looking to bring in new clients and build their revenue streams. The onset of stakeholder charging in...
Don’t get stressed
One man's poison can be another man's meat, which is why proactive IFAs should be looking to capitalise on the growing problem of workplace stress, a problem that the Health and Safety...
In sickness and wealth
With their tables of benefits offering different levels of paybacks, it's very difficult to work out which corporate cash plan offers the best value to your client. Throw in the service delivered...
Inheriting issues
Changes announced in last year's Pre-Budget Report may have loosened the inheritance (IHT) net a little, but while the ability to transfer nil rate bands has simplified the regime for many, new...
Worth the sacrifice
Demonstrating a return on benefits expenditure investment is now expected of most HR and reward teams. But while this can be tricky to achieve for some perks, benefits offered tax-efficiently through a...
Do individual investors have well-defined preferences?
The complex set of decisions employees currently face could be characterized as the do-it-yourself approach. The do-it-yourself approach makes the implicit assumption that individuals have a welldefined set of preferences. Put differently,...
DC Company pensions contract based schemes in favour
Defined contribution (DC) schemes look set to dominate the landscape for private sector pension provision for the foreseeable future. Increasingly, employers believe it is crucial for the success of their business to...
The RDR Game
If you look back at the pensions industry, say, 15 years ago, you would have found a market that was characterised by two market forces relevant to this particular analysis.Firstly, the commission...
Employers hold the key to pension provision
Engaging employers to deliver high quality company pension benefits should be at the top of the agenda for providers committed to the work place DC pensions market. Whilst acknowledging the vital role...
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