A new beginning

Investment decisions are a necessary evil for advisers. Picking the right investment may be one of the more interesting aspects of the job, but it is also fraught with danger. Most of the recent scandals in the financial services industry have involved the mis-selling of investments. The investment industry has too often been flooded with poor products, too complicated to explain and too badly managed to perform. But the industry is evolving. Most of the life offices have now realised they cannot offer sufficient choice and expertise on their own and have forged links with external specia...