Opinion

WARY

DEAD DIY

RETIREMENT

STEVE YOUNG

Without a unified voice to protect smaller IFAs, the industry will become a shadow of its former self, warns Sheriar Bradbury

ARMCHAIR CRITIC

There is a wide market for annuity rates with many providers. Not all of them offer competitive rates all the time though.

David Stevenson looks at how, following the financial crisis, innovation has been stifled and investors led into an ever-narrower range of funds.

LONG-STOP

FROM THE EDITOR