What’s in a name – a guide to financial advisers Five qualities an IFA brings to your investment portfolio Why do we work? Over-55s struggle as savings and income levels plunge
What’s in a name – a guide to financial advisers Our industry is going through a period of change, brought on by new regulations in part aimed at increasing transparency for the consumer. The key changes are that from January 2013 the current commission system will be replaced with “client agreed remuneration” for any new products and advisers will have to be qualified to a higher level than previously required. Seems like a good idea.
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Five qualities an IFA brings to your investment portfolio Let’s assume for a moment that you’re in the happy position of having £100,000 to invest. What would you do? Play absolutely safe and put the money on deposit? Or go all out for capital growth and put your windfall into a fund that could give you a sky-high return – but that carries an equally high degree of risk?
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Why do we work? Is it really because it’s part of our culture? The concept of work, that consumes so much of our existence, has such an established presence in our lives it is difficult to imagine being without it. Indeed, the general societal expectation is we must work otherwise we will be judged a ‘skiver’ or scrounger, particularly if we draw state benefits.
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Over-55s struggle as savings and income levels plunge Savings for older people have fallen by more than 25% over the past year, while incomes for the over-55s have dropped, according to research by Aviva. One in 10 of the over-55s are surviving on less than £500 a month, with single women most likely to be in poverty, said Aviva in its "Real Retirement Report", which over the last two years has tracked the income and spending of 11,600 people in, or near, retirement. The average monthly income of the over-55s now stands at £1,285, a small rise on the quarter before, but 4% down from last year.
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What’s in a name – a guide to financial advisers

Tuesday, 10 April 2012 07:45 Written by traceyevans

Our industry is going through a period of change, brought on by new regulations in part aimed at increasing transparency for the consumer. The key changes are that from January 2013 the current commission system will be replaced with “client agreed remuneration” for any new products and advisers will have to be qualified to a higher level than previously required. Seems like a good idea.

Read more

Five qualities an IFA brings to your investment portfolio

Monday, 02 April 2012 08:25 Written by traceyevans

Let’s assume for a moment that you’re in the happy position of having £100,000 to invest. What would you do? Play absolutely safe and put the money on deposit? Or go all out for capital growth and put your windfall into a fund that could give you a sky-high return – but that carries an equally high degree of risk?

Read more

Why do we work?

Monday, 12 March 2012 17:38 Written by guestblogger

Is it really because it’s part of our culture? The concept of work, that consumes so much of our existence, has such an established presence in our lives it is difficult to imagine being without it. Indeed, the general societal expectation is we must work otherwise we will be judged a ‘skiver’ or scrounger, particularly if we draw state benefits.

Read more

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