by Richard Bradley | 31 May 2019 | Europe
If the role of the EU’s Financial Services Action Plan is to harmonise financial services across Europe, then MiFID II is, so far, hardly a roaring success. National interpretations of the rules differ, there are carve outs for segments of the industry and lobbyists...
by Richard Bradley | 24 May 2019 | UK Financial Advisers
The debate around how to generate sustainable retirement income has continued to rage this week. Pre-pension freedoms, this problem hardly existed: the requirement of a base level of guaranteed income before accessing flexible drawdown effectively excluded all but the...
by Richard Bradley | 03 May 2019 | UK Financial Advisers
I started a pension transfer at lunchtime last Wednesday. It took me a total of seven minutes to log into AJ Bell Youinvest and ask (all online) to transfer an Aviva workplace pension into my SIPP. I had an immediate email confirming my request; Aviva had closed my...
by Richard Bradley | 26 April 2019 | UK Financial Advisers
Clients typically have the highest amount of assets and the greatest complexity in managing them at retirement. This presents opportunities for advisers. Furthermore, most advised clients are over 55, and a third are already in decumulation. Decumulation is a...
by Richard Bradley | 01 February 2019 | Bespoke, UK Fund Distribution
We’ve recently published a white paper with Jupiter, about advisers’ views of value and income investing. Recent wobbles aside, equity markets have mostly roared away during the last decade. Factors such as low interest rates have particularly favoured growth funds,...
