Viewpoints

• Are SIPPs ready for the rough stuff? - Aug 2008
  "When the going gets tough, the tough get going" runs the adage. And, for consumers whose finances have become strained and the future uncertain, that usually means voting with their pockets – away from 'unnecessary' expenses and 'back to basics'.
• The value of guarantees - Jul 2008
  When it comes to retirement income in an uncertain market, one way to get a little certainty is with a guarantee option.
• A win-win investment opportunity that is 100% capital protected - Jun 2008
  It's a truism that the time to invest is when a market is low or a sector undervalued, but those same conditions tend to worry most individual investors (and not a few professionals) – who are more likely to keep their capital in cash and out of the markets until renewed activity is well under way and much of the opportunity has been missed.
• Demystifying the 'third way' - May 2008
  Getting the most out of pensions
  'Third way' products offer a great deal of flexibility, sitting in between old-style annuities and drawdown options. They provide innovative solutions for those planning their income in retirement, enabling clients to keep control of their funds for a longer period.
• When change is inevitable, relax and enjoy it - May 2008
  One of the most consistent criticisms of financial services companies has been over the practice of tempting new clients with advantageous terms and products that are never offered to existing customers.

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