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News items | 24 May 2012
The FSA has confirmed guidance that traded life policy investments (TLPIs) are high risk products that should not be promoted to the vast majority of retail investors in the UK. The guidance is an interim measure - the FSA will shortly be consulting on new rules imposing significant restric...
Technical articles | 01 Sep 2011
One of the most successful private investors I know is a self-proclaimed value investor. He claims that while there are times when he underperforms the market as a whole, over the longer term he comes out on top. The reason, in his view, is that he pays particular attention to the value of ...
News items | 01 Jan 2011
This item deals with proposed guidance on Assessing Suitability: Establishing the risk a customer is willing and able to take and making a suitable investment selection . This proposed guidance relates to the Conduct of Business sourcebook (COBS) 9.2 rule(s) in the FSA Handbook. The purpose o...
Technical articles | 01 Sep 2010
The investment world has changed mightily over the years. While the old adage that you should never believe the person who tells you "this time is different" has some merit, it is important to recognise that investment is as dynamic as anything you are likely to come across. Markets fluctua...
Technical articles | 01 Sep 2009
The Wider Implications process is an alternative form of redress to the courts system that can help investors recover some or all of their investments more quickly.  Laurence Lieberman and Adam Mason report.  A consumer with a financial services complaints may, in appropriate circ...
Technical articles | 01 Feb 2009
Following the two most recent reductions in the Bank of England base rate (announced on 4 December 2008 and 8 January 2009) and falling gilt yields, National Savings and Investments (NS&I) has reduced the rates on most of its investment products.
Technical articles | 01 Sep 2008
Among much other stunning financial news over the past few weeks we have been told that the Consumer Price Index (CPI) increased by 4.4% over the 12 months to July 2008. The corresponding increase in the Retail Prices Index (RPI) stands at 5%.
Technical articles | 01 Jul 2008
Keith Robertson continues his series in constructing investment portfolios with an examination of risk appetite.  When advising clients on their investments a sensible starting point is to agree preservation of capital in real terms and over a reasonable investing timeframe as a primar...
Technical articles | 01 Jun 2008
As well as arranging financial protection in the event of death or ill health to preserve a current standard of living for themselves and any dependants, people need to arrange savings and investments to meet the financial goals and aspirations they may have for the future.  The future...

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