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A few weeks back I saw that Bank of Scotland were subjected to a fairly whopping fine for ‘Fraud Failures’.

IFAs may recall that in 2012 George Osborne was responsible for the diversion of financial services fines, (originally intended to be offset against the general costs of regulation to reduce the regulatory financial burden on firms that did do the right thing) to the Treasury.

 
 
   
 
 
 
 
 
 
 
A longer life expectancy is good news, but longevity is perhaps the most difficult part of the retirement puzzle for both advisers and clients. People often confuse averages with probabilities and there are so many factors that could have an impact on someone’s lifespan that it’s often difficult to know where to start.
 
 
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Research from FundsNetwork shows that as clients have become more accustomed to stable and growing markets, advisers worry about future stock market volatility and geopolitical risk. 
 
 
 
 
 
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An increasing number of financial advisers are appointing discretionary fund managers (DFMs) to run their clients’ investments. Utilising a DFM can bring efficiency and reduce operational risk for advisers.
 
 
   
 
 
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In the latest sustainability report we provide an update on the current and future state of engagement and discuss how industries ranging from fashion, to aviation, to waste, will be transformed.
 
 
   
 
 
 
 
 
 
 
The quarterly digital magazine that puts Baillie Gifford’s funds in the spotlight, giving you the chance to access insights from the teams that manage them.
 
 
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The unknowns of the future, complexity of investment markets and unique needs of every individual make ‘defying uncertainty’ a complicated problem for those looking to retire.
 
 
   
 
 
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Geopolitical risks appear to be a recurring theme impacting global markets and can have a significant influence on the short and medium term direction of asset prices.
 
 
   
 
 
 
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109 seconds – Lewis Aubrey-Johnson, Head of Fixed Income Products,discusses interest rates following the US Federal Reserve’s meeting. 
 
 
 
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