MoneyManagement ISSUE 01 August 2008 >> Features

Leading Story

Financial strength of life offices

Assurers vow to tough it out in equities

Features

Guaranteeing the guarantees

In turbulent stock markets, guaranteed returns can be attractive to risk averse investors. But how do providers cover the risks of providing such guarantees? Tillinghast's Tigran Kalberer, principal, and Manuel Sales, consultant, look at what goes on behind the scenes

Head to head

IFA networks are facing increased competition from support services providers and now they have the RDR to contend with. Can they survive, asks Geordie Clarke?

Income protection

Why is income protection (IP) the black sheep of the family? Alan Lakey of Highclere Financial Services says it's down to harsh underwriting and complex claims definitions, which make IP even more dangerous than the Wild West vista of the early critical illness market

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Mortgage spotlight - Cutting down the dispossessed

Rate rises mean that some remortgagors will face severe financial hardship, but is repossession inevitable, asks Laverne Hadaway?

Multi-manager spotlight - Institutional investors poised for sea change

How viable is the latest preference for investment outsourcing through multi-managers for Britain's growing corporate pension funds? Maryrose Fison takes a look at retirement solutions

Outside the box

Outside fund managers as links for personal pensions have become an established practice, but extra charges for specialist management can eat into performance. Janet Walford OBE looks at what's on offer

Pensions spotlight - SIPP prom only four-star

The pensions industry is increasingly behaving as if consumers have no voice, suggests John Chapman

Protection spotlight - Down, but not out

Falling sales of critical illness cover in recent years have led some to question whether it is in terminal decline. Helen Pridham considers the immediate past and prospects for its future

Should there be a cut off for complaints?

Disputes over damages and missales have a 15 year time limit in English courts of law. But, bizarrely, this does not apply to financial services. Is this fair or even legal? Gareth Shaw investigates

Taking stock August 2008

Past success does not guarantee future profit for unit trust managers, says former investment banker Russell Taylor, but stock market history can at least help investors identify opportunity or danger in advance

Tax spotlight - Offshore funds v offshore bonds

Following the Chancellor's attack on non-UK domiciles who have been resident in the UK for the past seven years, Nick Williams of Clerical Medical highlights an alternative solution to paying the Revenue an annual £30,000 charge

Statistics - August 2008

Click on any of the links below to view this month's statistics in a PDF file


Current Issue

01 January 2009 (View issue)

L&G gets litigious on clawbacks

Commission based advisers are bracing themselves for larger clawbacks after Legal & General has been accused of taking a more aggressive stance on lost revenue from cancelled policies.

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Supplements

Absolute Returns (View Issue)

Absolute promises

The prospect of earning cash plus returns in falling markets is attractive. Absolute return funds claim to do this, but is it always possible, asks Geordie Clarke?

Personal Pensions (View Issue)

Personal pensions – latest results

SIPPs (View Issue)

SIPPs survey

Cautious Managed Funds (View Issue)

Cautious managed survey

At Retirement SIPPs Personal Pensions And Tax Planning (View Issue)

Pensioners must go to market

UK Equities (View Issue)

Missing the mark

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