by Richard | Feb 28, 2020 | Archive
I was delighted to read the following article about Santander’s reduction in fixed rate mortgages for first time buyers. http://www.moneymarketing.co.uk/mortgages/santander-cuts-newbuy-rates-by-up-to-07/1055759.article I was also delighted that the loan to value is...
by Richard | Feb 28, 2020 | Archive
It is not often I have cause to praise the FSA. Following reading this article on the Investor’s Chronicle website I think they are wise in their warning on annuities versus income drawdown...
by Richard | Feb 28, 2020 | Archive
I am not surprised to read that the number of pensioners still working is at a record number. http://www.bbc.co.uk/news/business-18422370 With historically low rates of return on standard annuities and income draw down being limited by the lower Government Actuarial...
by Richard | Feb 28, 2020 | Archive
I was delighted to read that Just Retirement have amended their contractual terms to allow clients to exit their contract if they have a deterioration in their health which would lead them to qualify for an impaired life annuity and even divorce spousal death or...
by Richard | Feb 28, 2020 | Archive
The following article is very interesting on the rating of European Union debt. http://www.moneymarketing.co.uk/investments/moodys-downgrades-european-union-outlook/1057266.article I would place EU debt as being lower than that of Germany or Holland. The Member States...
by Richard | Feb 28, 2020 | Archive
The aim of reducing pension charges is shared by almost everyone. The proposed cap by Ed Miliband would affect relatively few Group Personal Pension Schemes of medium and large employers where most full time employees participate. If clients want greater fund choice...
