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London Market

Protection trusts - do we need them?

07 August 2018
The subject of life assurance protection and the speed with which claims following the death of a life assured are settled has been in the news lately. While some are still convinced that life assurance compani ...

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Carillion - Lessons Learned?

24 July 2018
On Thursday 12th July the House of Commons debated the collapse of Carillion and lessons to be learned from such a major business failing.

Investing for Children Part 2

24 July 2018
INTRODUCTION In part one of this two-part article, which looks at the opportunities for investing for children, we looked at the backgrou ...

FOIL Digest - May/June 2018

18 July 2018
Forum of Insurance Lawyers (FOIL) digest of the latest legal issues impacting the insurance sector. 

Summer 2018 update: some recent developments affecting trusts and estates

10 July 2018
There have been some recent interesting developments in the area of trusts and estates that affect financial planning.

To top up or not to top up – that is the question »
The introduction of the new single tier state pension in April 2016 brought with it a change to the minimum number of years of National insurance contributions or credit required to achieve a full state pension. For males born after 6 April 1951 or females born 6 April 1953, they are now required to work, or receive a credit, for 35 years. Prior to April 2016 you were only required to work or receive credit for 30 years.
Investing for children: Part 1 »
INTRODUCTION Given the rising costs of education, be it private education or further education, and the difficulties children often face when trying to get on the property ladder, many parents, grandparents or guardians are often faced with having to consider  what planning options are available to them to help meet some of these challenges. In this two part article we look at the opportunities for investing for children.
Is Italy really in crisis? »
The word ‘crisis’ is defined in the Oxford English Dictionary as “a time of intense difficulty or danger”. This implies that it is extreme circumstances that usually cause a crisis. So how do the recent Italian political worries stack up on this definition? On the surface, there isn’t much to worry about. There’s nothing extreme about a political stalemate in a country which has had nearly 70 different governments since the war. There’s also nothing extreme about voting into government a political party set-up by a comedian in a country that gave Silvio Berlusconi four shots at running the government. However, when politics, extreme or not, could impact the economic situation, investors tend to take note.
Bringing a trust to an end »
A recent question asked by an adviser has raised an issue which, while seemingly straightforward, may not always be so.   Some time ago Mrs C created a “Bypass trust” as a potential recipient of the death benefits under her pension scheme. Like most such trusts, the trust was created with only £10. Under this particular trust the settlor named a protector, i.e. the person who would exercise certain rights after the death of the settlor. Obviously, nothing much was going to happen with this trust until the settlor died and the death benefits became payable. The settlor named her husband as the protector (again, the usual choice for married individuals). Unfortunately, the couple are now in the process of divorcing and it has come to light that the trust did not include any provisions for the removal or change of the protector. It was therefore decided to terminate the trust. So, how could this be done?
The OTS review of business reliefs »
The Office of Tax Simplification (OTS) has published a paper considering key events in the lifecycle of a business, with the intention of improving the “user experience” by simplifying the tax system and the way it is administered.
Inheriting the State Pension »
On 6 April 2016 we saw the move to the new flat rate state pension, which meant significant changes for those reaching state pension age. Some people would need to make up contributions to 35 years where they previously thought 30 would be enough and some will not receive anything because they have less than 10 years credits.  
The OTS review of business reliefs »
The Office of Tax Simplification (OTS) has published a paper considering key events in the lifecycle of a business, with the intention of improving the “user experience” by simplifying the tax system and the way it is administered.
Inheriting the State Pension »
On 6 April 2016 we saw the move to the new flat rate state pension, which meant significant changes for those reaching state pension age. Some people would need to make up contributions to 35 years where they previously thought 30 would be enough and some will not receive anything because they have less than 10 years credits.  
CII launches Aspire Apprenticeship Programmes »
The Chartered Insurance Institute has launched its Aspire Apprenticeship Programmes and invites employers to register their interest.
The helicopter perspective »
The world has increasingly become focused on the short term, and is at odds with our industry tenet of aiming for investment returns over the long term. This means that the media focus on events that might take place over the next few weeks or months, whereas we are trying to look at much longer horizons. As a result, we were not surprised when the flurry of headlines that hit inboxes and newsstands in February as a result of stockmarket wobbles. However, we had sought to flag beforehand that the eerie calm which had settled on markets last year was extreme and the return of volatility to markets would simply be a case of ‘business as usual’.
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