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Technical articles

Emerging markets: a problem of definition

02 October 2018
(AF4, FA7, LP2, RO2) The financial services industry has whole-heartedly embraced grouping things to make them easier to think about and, as long as there are sufficient commonalities, the use of categories sho ...

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Ensuring trusts and other documents are legally valid

02 October 2018
Over the last two months we have been considering the question of whether there are simpler alternatives to using a trust. We addressed the ...

Too much or too little income

18 September 2018
Maximising pension contributions is something of a balancing act and for those with fluctuating income it can be a virtually impossible to u ...

The premium limitation on qualifying life policies and restricted relief qualifying policies – part 1

18 September 2018
Introduction This series of articles has been prompted by an increase in the number of questions we have recently received relating to the ...

Making hay while the sun shines

04 September 2018
On 23 August, the main US equity market - the S&P 500 – entered its longest bull market ever. And the way that global investors are talk ...

Protection trusts - do we need them? part II »
Last month, having asked the question "Why are trusts not as popular as they should be?", we considered the question as to whether there are simpler alternatives to using a trust. We addressed the possibility of using statutory trusts and designations, and outlined the possibility of using contract law instead of a trust.
Are QROPS losing their appeal? »
Since April 2006 it has been possible to transfer pension overseas to a Qualifying registered overseas pension scheme. This was something that at times over the last 12 years has been very popular. However, there was some concern that not only where these schemes being used for the wrong reasons but they were also being used by scammers to tap into the pension funds of vulnerable people.
Offshore investment bonds vs UK investment bonds »
INTRODUCTION Offshore Bonds are often put forward as the ultimate investment for tax efficiency.  But whilst they are tax efficient, there are a number of other commercial issues to consider – not least the charges involved and the investment fund links available. 
Protection trusts - do we need them? »
The subject of life assurance protection and the speed with which claims following the death of a life assured are settled has been in the news lately. While some are still convinced that life assurance companies will do anything to get out of paying a claim, this is not supported by the facts, with some companies claiming a 100% record of payments.
The importance of watching the ball »
The recent football World Cup in Russia brought back some rose-tinted memories of my own time playing football as a child. Whilst my innate lack of talent ultimately counted against me, I still remember many coaching tips. One in particular stands out – the importance of watching the ball. When defending, we were told to ignore any feints or tricks from the opponent and always to focus on the ball rather than be distracted by other factors.
Carillion - Lessons Learned? »
On Thursday 12th July the House of Commons debated the collapse of Carillion and lessons to be learned from such a major business failing.
Investing for Children Part 2 »
INTRODUCTION In part one of this two-part article, which looks at the opportunities for investing for children, we looked at the background to investing for children and at investments which can be held in the name of a child. In part two we will look at how investments which cannot directly be held in a child’s name can be arranged and used for the child’s benefit, and the general tax implications for holding investments in that way.
Summer 2018 update: some recent developments affecting trusts and estates »
There have been some recent interesting developments in the area of trusts and estates that affect financial planning.
Market declines should be seen as opportunities, not threats »
As the mid-point of 2018 passed, almost every equity market in the world was lower than at the start of the year. Europe, Japan and the UK were down by between two to four percent, while many an emerging market saw percentages closer to double digits shorn off. The US equity market was the only exception.
The London Journal 2018 »
Here you will find the Insurance Institute of London Journal, 2018 edition. This issue contains the following news and articles:
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