Mortage market analysis - first time, last time »
Mortgate market analysis: First time - the longest journey
starts with a single step. Andrew Frankish considers how
first-time buyers can get onto the property ladder: Last time -
Once in a lifetime... The final years of life can be transformed by
the money unlocked via an equity release deal...
A-Day: fear of market meltdown »
Adviser warns of 'admin overload' threat as providers struggle
to cope with demand. Ashley Clark, a member of the Personal
Finance Society and director of Need An Adviser.com, is urging
fellow advisers to offer clients a pensions MOT in the run-up to
pensions A-Day on 6 April 2006. It is on this day that the rules
designed to simplify the UK's pensions regime take effect...
Mission to M.A.R.S. »
Phil Olley argues that the key to success lies on formulating
productive habits. Doing the right thing on a consistent
basis isn't easy, but it will help to maximise your
performance. Many successful people find it difficult to put
into words what they are doing which aactually contributes towards
their success. They don't see themselves as putting any extra
effort in, or summoning up huge reserves of motivation and energy,
or being particularly clever...
Making the election connection »
Peter Quinton ruminates on the political power of
pensioners. A General Election is around the corner, and it
may be an election with a difference. Grey voters have more
sway than ever as the post-war 'baby-boomers' start to
retire. What will the Government do to attract the support of
today's growing number of retirees?...
Testing times for AFPC sitters »
As April AFPC sittings approach, much midnight oil will be
burnt. Ian Patterson suggests ways to prevent your revision
activity from becoming an energy crisis. The April 2005 AFPC
exams are little over nine weeks away. This qualification
deserves more than a little respect, a fact borne out by the most
recent pass results...
All present and correct... »
Do you dread making presentations? Karl Hartey offers
advice on how to get it right. Every presentation is a
performance in which the hearts and minds of the audience are there
to be won over - or lost. Up to 90% of what we communicate is
transmitted non-verbally, which means that a large part of our
performance relies upon presence as a distinct from words,
technical support and gimmickry...
Overseas interests »
News on overseas interests from the PFS from February 2005.
Sorting the menu from the boys... »
Austyn Smith continues his series on fee-charging with an
examination of retainers and the importance of offering a menu of
charges according to the service provided. The traditional
adviser career system has always taught us how to be very good
sales people and to rely on the commission received from selling an
investment or an insurance product...
Venture capital trusts »
The new 40% income tax relief on Venture Capital Trusts has
greatly increased their appeal to investors. Advisers should
certainly be aware of how they can be included in client portfolios
to maximise tax-efficiency and enhance the potential for profitable
returns. Richard Eliott Lockhart explains. The aim of
this article is to examine the investment merits of Venture Capital
Time for change »
Ken Wrench helped pioneer the open annuity, which has greatly
increased the options open to better-off clients at
retirement. Here he considers the continuing development of
the pensions market in the run-up to A-Day in April 2006.
Advising an annuities is and will remain a key element of an
Life policies in trust: The Pre-owned asset tax factor »
After a great deal of uncertainty and considerable discussion,
the dust is finally beginning to settle on how the new pre-owned
assets income tax (POAT) rules will apply to life assurance
policies effected in trust and, in particular, some of the more
popular lump sum inheritance tax plans founded on trusts of life
assurance or capital redemption policies...
Are you ready for regime-change? »
Firms entering the new basic advice market may expect a lighter
touch when it comes to regulation. But, according to Alan
Hughes, they must remain vigilant if they are to achieve regulatory
compliance and commerical success. Last autumn the FSA
released Policy Statement Products. PS04/22 includes the
FSA's "near-final" rules as they will apply to the basic advice
stakeholder regime when it is implemented in April 2005...
Making CPD as easy as ABC »
Is CPD an expense or an investment? Ian Patterson looks at
how businesses can maximise the value of their professional
development activity. Galileo said, over 400 years ago: "You
cannot teach a man anything, you can only help him discover it
within himself." Herein lies the secret of CPD. How do
we turn what is often regarded as a drudge task into one that is
regarded as absolutely essential to support the objective of the
Spain can still deliver gains »
From his office in Puerto Banús, Robin Ali offers his view of
the Spanish property market. Spain has seen soaring property
values over recent years, driven mainly by investment buyers and by
northern Europeans in search of a place in the sun. The
question is, will it last? What are the signs that suggest
the bubble is about to burst? A visitor to Spain could be
forgiven for wondering where the buyers will come from...
First-time buyers struggle to get foothold on property ladder »
Without new blood coming into the housing market, what hope is
there of a revival? Research suggests that, for many, the
dream of owning a first home remains elusive. There are
strong regional variations in the time it takes first-time buyers
to save for a deposit. It takes longest to save in London,
the South East and the South West, where the average first-time
buyer has to save for 4 years 6 months...