Blog

In 2006, the Government overhauled the UK pension system in a bid to reduce the unnecessary complexity that had arisen over time.  To do this, they introduced just one new regime under the heading “pension simplification”.  

Since then, things have once again become incredibly complex. 
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I was concerned to see an article in the New Model Adviser publication (read here) last week covering a proposed new franchise aiming at promoting, or should we say selling(?), unregulated products to individuals post 1 January 2013. The significance of the date is that this is when the new rules, following the FSA’s  Retail Distribution Review (RDR), will come in to force.

Andrew Hirst

Partner

Christmas cheer sweeps Equilibrium after a fantastic week of Award shortlistings, national press articles and a great improvement in the FTSE 100
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The cash rich nature of British companies led to special dividends in the first half of 2012 topping the combined total seen in 2008 to 2011, according to the latest dividend monitor from Capita Registrars.

For the last few months we have been highlighting the value we see in equity markets as the Eurozone crisis has prompted investors to sell risk assets.
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After my blog in early March on the same topic, I will keep this one brief.  Following on from my previous comments, ... >> Comments (0)

Despite decades of regulation, the financial services industry continues to be plagued by mis-selling scandals, many of which lead to catastrophic loss for investors some of whom have seen their entire life savings being wiped out. ... >> Comments (0)

As I read the Sunday Times this weekend, I was delighted to see one of our clients profiled in the Money section as part of an article on ISAs. ... >> Comments (0)

After everything that has happened during the last few years in terms of the credit crunch, it still amazes me how many intelligent, and often wealthy individuals, still trust banks to provide them with investment and financial advice. ... >> Comments (0)

Monday saw a German debt achieve negative yield of 0.012%.

In a record breaking auction, rather than receive interest income from lending money, investors were happy to PAY the German government for the privilege of converting their cash into