There’s something about LISA

22 March 2016 by Steve Herbert

Expert Opinion

So despite all the pre-Budget spin and counter-intelligence George Osborne chose to make a major pensions policy announcement anyway.  Only the mean-spirited would deny that it was a cunning political move to side-step the major taxation decisions on pensions by effectively leaving them untouched.  Instead the Chancellor introduced a competitor to pension plans in the […]

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With Mark Carney’s warning, investors may need to factor in climate change even if they don’t believe it’s really happening

If you are worried about climate change and the world’s inaction on the subject then you will be glad that the Governor of the Bank of England Mark Carney has intervened with a stark warning about the risks. If you are opposed to the scientific consensus on anthropogenic (i.e. human-made) climate change, then you may have […]

30 September 2015 by John Lappin

Expert Opinion

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“But don’t the pension freedoms just undo all the benefits of auto-enrolment?”

It should be explained that the above comment did not arise from myself. Nor did it arise from a pensions specialist, industry commentator, or journalist. No, this comment arose from an ordinary middle-manager in an everyday SME (small or medium sized enterprise) – albeit one that had just had the recent legislation changes to pensions […]

12 September 2015 by Steve Herbert

Expert Opinion

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Should employers be forced by government to support employees’ days of volunteering work?

In July I publicly stated my considered view of the employee benefits legislative landscape at the end of the government’s term in 2020. In shortened form, my summary was as follows: –          More employer costs –          Fewer tax reliefs –          More employer duties I appreciate that the above is probably a pretty bleak picture for […]

20 August 2015 by Steve Herbert

Expert Opinion

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Can regulation improve analysts’ forecasts? – Can you guess what we think about that question?

By Jamie Lowry Last week, in ‘Sell’ preservation society, we tiptoed around the possibility analysts might occasionally pull their punches on company research for fear of upsetting colleagues in more profitable parts of the investment banking world. This time we return to more familiar ground by suggesting there is no point relying on analysts’ forecasts […]

28 July 2015 by The Value Perspective

Expert Opinion

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Great rates for new savers, but existing account holders need to be alert to falling rates

This week providers have been taking with one hand and giving with the other. The positive news for savers keeps coming as yet more best buy accounts hit the market and the Savings Champion Index saw its largest weekly increase since April 2013. However, this news has been tempered by the continuing slashing of rates, […]

21 July 2015 by Anna Bowes

Expert Opinion

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Quarter pounder – Just who benefits from the modern-day insistence on quarterly reporting?

By Nick Kirrage From time to time – last month and last October being two examples – the Lex column in the Financial Times will train its intellectual artillery on quarterly projections and other aspects of corporate reporting. Reading these pieces, one senses Lex may be at a loss as to just who might profit from […]

24 June 2015 by The Value Perspective

Expert Opinion

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Dotty valuation – Buy US equities now and you could be locking into historically poor returns

By Andrew Lyddon The US equity market is expensive. Here on The Value Perspective, we would imagine this is unlikely to come as news to you – not least because we have pointed this out many times ourselves in articles, such as CAPE of good hope. But then presumably you do not visit this site […]

23 May 2015 by The Value Perspective

Expert Opinion

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Asia needs to broaden and deepen its financial services infrastructure to solve some capital issues

The sell-off in bond markets has elements of 1994 about it. So far other markets have been resilient, but the traditional role of equities as the ‘ATM’ for the leveraged fixed income traders is making them rightly nervous. China’s latest rate cut reminds us that there is still room for conventional monetary easing,  but is […]

12 May 2015 by Mark Tinker

Expert Opinion

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US Dollar – Fed interest rate hike speculation driving movement

Since the turn of the year, the US Dollar (USD) has generally softened after having enjoyed a sustained bullish run in the fourth-quarter of 2014. This is mostly the result of futures traders and rate hawks continually paring bets as to the timing of a Federal Reserve benchmark rate hike. Having expected the Fed to […]

5 May 2015 by LauraParsons

Expert Opinion

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