As we live longer, so it seems we must work longer. That is clearly the view of the Department for Work and Pensions. The department has a great deal of input into the amount and indeed the conditions attached to … Read More
The Scottish independence vote – clear economic risks but there may be financial planning opportunities too
Every investor and saver in what is currently the United Kingdom may need their own personal ‘policy’ on Scotland. That certainly applies to UK citizens from Gretna north. But it is increasingly clear that there will be potential economic and … Read More
Neil Woodford’s blog can’t have made happy reading for the bosses at HSBC despite what was genuine praise for their management strategy. Mr Woodford’s investors may also have been reassured that a manager, famous for sticking to his guns, is also … Read More
A recent conversation between Mindful Money and Standard Life’s head of customer affairs Julie Hutchison saw her suggesting that the impact of income tax and pensions is becoming a lot more important and investors more aware. This will certainly be … Read More
Isn’t it time the UK started to use the same measure of inflation for automatic increases in prices, pensions benefits and the rest? The fact that rail fares are to rise by the Retail Prices Index – usually higher than … Read More
We should give a qualified welcome to Royal London’s decision to offer its investors access to an annuity ‘bureau’ of ten annuity providers. Prior to this, the insurers’ huge customer base of four million people were offered annuities from Prudential … Read More
So will the NISA with its new superpowered £15,000 limit eclipse the pension? Should you as an investor be investing most of your hard earned cash in the new wrapper? It certainly sounds like the NISA has much to recommend … Read More
Bank of England set to grab more powers to calm house prices. What does it mean for borrowers, savers and investors?
The Bank of England is determined to calm the housing market and also determined to find ways of doing so using tools other than interest rates. These days, the Bank and the assorted team of regulators are full of acronyms. … Read More
One of the easiest things to predict in fund management is that the next 12 months will bring an extraordinary amount of money flowing into Neil Woodford’s new fund. The less easily answered question is how much his successor at Invesco … Read More
Do consumers really care what sort of advice or guidance they receive about their retirement as long as they ultimately do the right thing with their retirement money? The Treasury consultation about such guidance ends today and all manner of … Read More
John Lappin, the editor of Mindful Money, has been a financial journalist for more than 15 years. He was a long standing editor of financial newspaper and website Money Marketing and was Headline Money journalist of the year 2009. He believes it is essential that trust is rebuilt between consumers and the financial services industry though most of the onus is on the industry to demonstrate this trust. Without this, consumers and investors will remain undersaved, underinvested and underinsured with huge implications for themselves, their families and for the country too.