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Drawdown investors in profit but face volatility

Investors in drawdown have experienced positive returns since the pension freedoms started despite big swings in certain asset classes, Aegon research says. The analysis of Morningstar Direct data produced by Aegon looks at an individual with a £400,000 pension pot taking a £20,000 annual income from day one of the pension freedoms. Aegon then tracked […]

RDR/FAMR review to exclude DB transfer concerns

The FCA will exclude the rules around defined benefit pension transfers in its review to assess the effectiveness the RDR and the Financial Advice Market Review within the industry. In an update today on its May call for input, the regulator says it will also leave out potential changes on the funding of the Financial Services […]

What do clients fear with a change of government?

Clients have been increasingly asking advisers about the impact a potential change of government could have on their finances, a survey by Royal London has found. In the last two years, nine in ten pension advisers said clients have approached them to discuss the topic. The biggest areas of concerns include estate planning and inheritance […]

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IHT investigations soar following residence nil rate band introduction

HM Revenue and Customs is opening an average of 5,000 investigations each year into inheritance tax – a 7.8 per cent increase since the introduction of the residence nil rate band. Introduced in April 2017, the RNRB applies to individuals with direct descendants who have an estate exceeding the IHT threshold of £350,000. The rate […]

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Why advisers need to earn their clients’ trust

Beaufort Financial executive chairman Simon Goldthorpe explores why it is so important for financial advisers to earn and maintain their clients’ trust. 

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Dividends reach record levels despite profit pressure

Dividends at UK companies reached record levels in the second quarter, but experts are warning that the real picture may not be as rosy as some shareholders think. UK dividends rose 14.5 per cent to an all-time high of £37.8bn in the second quarter, beating the previous record in 2017 by £4.4bn, according to Link […]