Income protection cover – what’s it all about?

Income protection insurance potentially provides extremely valuable cover for those who become unable to work through illness or injury – but there is confusion as to what it offers and who it suits, which is why insurers are embarking on a mission to spread the word.

A walk on the riskier side of investment

Seasoned investors with a well-balanced portfolio of relatively cautious equity investments may want to consider allocating a modest proportion of net wealth to investments with a higher risk profile. It is something to discuss with your adviser, because any such strategy must be balanced with your overall investment objectives and attitude to risk.

Key people and their share stakes

Previous coverage of key person insurance attracted some interest, particularly as regards the impact of the death of a key employee or director who was also a major shareholder. So, we return to the topic here, with the addition of more about directors’ share protection.

Insurers told to clarify annuity options

What a difference a decade makes. Ten years ago, interest rates were substantially higher than now and this was reflected in the income available on the purchase of a retirement annuity.

Open Market Options (OMO) let you shop around

If you’re coming to the end of your working life, you’ve some big decisions to make, not least concerning your retirement finances. When it comes to your pension, you need to ensure you get the best deal. If you don’t, you could regret it for years.

Corporate bonds lead the way, thanks to central bank interventions

The corporate bond markets are enjoying a huge revival, thanks to central banks across the world flooding the market with liquidity.

Gold - Worth its weight ?

Gold has always been a store of value in troubled times, in today’s markets this remains the case.

The Chancellor’s Autumn Statement:

The Chancellor George Osborne’s Autumn Statement realised the nightmare scenario that most economists and pundits alike had predicted.

Are Eurobonds the answer to the Eurozone’s woes?

Maybe the issue of Eurobonds could help ease the funding crisis gripping the Eurozone at the moment, but will the politicians let it happen?

Strategic importance of employee benefits

When did you last discuss how your employee benefits package addresses and supports your overall business strategy and goals?

Protecting investments

There is no such thing as a risk-free investment, but you can take steps to minimise the risks associated with saving for the future.