In this edition of Technical Update we look at what makes a good income investment and how Financial Planners can maximise returns in a difficult climate. Problems in the Eurozone mean typically favoured investments, such as gilts, have fallen to their lowest ever level and are no longer seen as viable ‘safe haven’ investments. As a result, Financial Planners are looking outside the box for alternative means of investment to find growth potential.
Stephen Jones CFPCM helps a recently widowed, high-achieving academic cope with the personal loss she has suffered and begins to plan ahead for her financial future.
Rob Kingsbury talked to a variety of Financial Planner and asked them how they are using Sipps to provide a retirement solution across their client range, particularly for business owners.
In this edition of Technical Update we look at a pensions area which is often talked about among professional intermediaries but which is equally often poorly understood, QROPS and its derivatives.
The RDR will bring sweeping change for the financial services sector. Many Financial Planners are ready but how are the product providers coping and what are they doing to ensure they remain fit for the future?
Paolo Sardi, one of the founders of investment specialist ECPI, takes a detailed look at investment suitability covering the key issues and challenges for planners and clients looking for investments that meet sustainability guidelines.
Mary Stewart of Sipps specialist Hornbuckle Mitchell focuses on the new rules on flexible pension drawdown and how the market is evolving as a result. She looks at the opportunities for planners and some of the hurdles to be overcome.
Mike Morrison from AXA Wealth looks at the impact the Lifetime Allowance is having on pensions planning and how planners are having to adjust to the new rules.
For many years, the law regarding UK tax residence has been largely subjective with the only definitive rule being that a person is resident in the UK if they spend more than 183 days in the UK in a tax year. However, proposed changes to the residency rules could affect the tax status of many individuals and have a knock-on effect on their companies or trusts.
Inheritance tax is a half-hearted tax, with many loopholes and opportunities for avoidance. This was the damning view of the Institute of Fiscal Studies Mirrlees Report, when assessing the current UK tax system.
Exchange Traded Funds and Exchange Traded Products have been in the news recently as a high profile court case involving synthetic ETF trading has emerged. Despite their promise of relatively low cost investment and suitability for long term investing, has the sector been tarnished by this bad publicity? Alexandre Houpert of ETF provider SG Lyxor looks at the recent concerns about ETFs and at how the sector is responding.
There is no doubt that the Retail Distribution Review has been forcing individual platforms to take a close look at what they will offer the fee-based advice market come 2013.
Retired couple Michael, aged 76, and Margaret, 74 from Dorset approached me due to concerns about their shortfall in income coupled with an increase in living expenses. They had saved all their lives and were quite cautious by nature, so to see their expenditure exceeding their income each month to the tune of £300 was incredibly worrying for them.