It pays to vote

May 23, 2015 1 Comment by
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NS&I’s 65+ bonds went on sale in January and have been the biggest selling retail financial product in modern history. More than a million savers have bought over £13bn of market-leading pensioner bonds. No surprise, really, considering the rates of interest being paid (particularly if the return is “risk adjusted”) George Osborne hailed the bonds […]

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Three key levers for better business performance

May 20, 2015 No Comments by
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Nailing The Basics There are some business basics that, if neglected, can hold you back for years and years. Some firms think they’ve got these areas under control, but my experience is that’s not the case. A quick review of your financials will confirm or deny that for you. The truth for most smaller firms […]

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Overcoming groupthink and the relevance of risk tolerance

May 19, 2015 No Comments by
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Groupthink is a phenomenon that can compromise investment decisions where those decisions are made jointly by a group of people. Members of a group often suffer from a tendency to agree with each other in a group context and not openly disagree or question decisions, even where decisions are being made that the member doesn’t […]

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Does the media influence voting behaviour?

May 17, 2015 2 Comments
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I read Lawrence Gosling’s take on whether the media influences voting behaviour and found myself agreeing with much of what he said but disagreeing with his conclusion. Whilst it might be correct, that the direct approach of many newspapers in explicitly backing a political party has only limited impact on changing voter behaviour, there can […]

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This week in a nutshell

May 15, 2015 No Comments
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Last weeks election result surprised us all, a conservative majority ( albeit slim ) a one party cabinet, the loss of many big names, the loss of many with pensions knowledge and experience. The subsequent appointment of Ros Altmann as pensions minister has been largely welcomed by the adviser community and to coincide, Sam Dale […]

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Research shows it’s not all about the money for FS candidates

May 14, 2015 No Comments
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We’ve released the results of our ‘Candidates vs Employers Research 2015’; detailing the views of 51 financial services professionals and the reasons behind their career decisions. The results highlight that, although salary is still a key motivator for many people – it is far from the only driver. For example, 77% of candidates stated that […]

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What next for pensions after election wipes out big names?

May 12, 2015 No Comments
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In 1997 Tory cabinet minister and leadership hopeful Michael Portillo lost his Enfield seat in spectacular fashion. Delighted Labour types stayed up to the early hours sparking the now infamous political catchphrase, were you up for Portillo? After Thursday’s election, the Tories enjoyed their own heavy dose of schadenfreude with big names tumbling by the hour […]

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Can someone tell me what passive investment means? (and other dumb questions)

May 12, 2015 5 Comments
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Ours is a wonderful industry for using terminology that confuses the professionals let alone the customers. You know what I mean, basis points instead of per centages, asset managers instead of fund managers and my favourite, government paper for Gilts. We regularly hear the phrase “Passive investment”. You might think you know what it means. […]

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Is Fear Making Your Decisions For You?

May 11, 2015 2 Comments
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How to fight the fear of decision making. Fear and procrastination are hurdles to be overcome when you’re trying to grow your business. The two are related. No one deliberately procrastinates but fear of the unknown can easily translate into lack of action. The good news is that there are some simple steps you can take […]

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