 Markets don't stand still. Should portfolios?
We explore two apparently opposing schools of thought. Read the full article in FT Adviser  [3 min read - open as pdf]
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 2022 was a reminder of the importance of dispersion within equity markets. It turns out this lesson remains relevant in 2023 but with very different - almost opposite - themes.
Click here to read the whole article  [3 min read, open as pdf]
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 What role can annuity allocation play in a retirement plan?
Is it fair to see an annuity as a 'mortgage in reverse'? Deciding between drawdown and annuities does not have to be a case of either/or. Read more on this in our FT Advisor article: https://www.ftadviser.com/opinion/2023/06/29/are-annuities-a-new-asset-class/ Consumer Duty: what do advisers need to do? Who's a manufacturer, co-manufacturer, and distributor and when do the lines need de-blurring?
Watch the CISI-endorsed CPD webinar interviewing Paul Jay of ATEB  [5 min read, open as pdf]
 For adviser firms in good shape, consumer duty should not be a sea-change. For those that haven't got round to complying with the Product Governance obligations from 2018, there's a lot of work to do.
Read the article in FT Adviser  [3 min read - open as pdf]
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 Higher interest rates following increases in the Bank of England “Bank Rate” means yieldson cash are attractive once again. There are different ways to access cash yields: bank deposits, platform cash and moneymarket funds each have advantages and disadvantages. Minimising frictional costs, and maximising flexibility is key when developing a cashmanagement strategy, in our view.
In this research note for our clients, we explore the role of money market funds in providing a low risk platform-based Investment with a yield similar to Bank of England rates. Further reading: Read our October 2021 comparison of money market funds and fixed time deposits  [5 min read, open as pdf]
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