Guest Blog: Why the latest FOS ruling isn’t a ‘game changer’ for SIPP providers

Guest Blog AJ Bell 150pxIn his first Guest Blog for Investment Sense Gareth James, Technical Resources Manager at AJ Bell, looks at the latest ruling from the Financial Ombudsman Service, which has divided the Self-Invested Pension industry. It was with a slight sense of trepidation that I took on Investment Sense’s invitation to consider whether the Financial Ombudsman Service’s decision to uphold a complaint in respect of a Sustainable AgroEnergy investment could be described as a game-changer for the SIPP industry. It is worth considering what the term game changer means. ...

Guest Blog: Why the ‘Guidance Guarantee’ won’t replace advice

MGM AdvantageIn his first Guest Blog for Investment Sense, Andrew Tully, Pensions Technical Director at MGM Advantage, looks at the latest Government initiative to help people make better choices when they retire. How will it work? Will you be entitled to it? How will it benefit you? Read on as Andrew explains all you need to know. The Chancellor’s 2014 Budget delighted many by giving people the ultimate flexibility in when and how to take their pension savings after April 2015. Many of the headlines have concentrated on the fantastic freedom ...

Guest blog: An alternative way to fund your business, which we guarantee you won’t have thought of

AstuteThe last six years have been a tough time to be in business and although the future is looking increasingly more positive, there are still hurdles to overcome. Does this scenario sound familiar? You have used the liquid capital in maintaining and restructuring your business, to put it in a position where it can capitalise on the growth which now looks more certain Growth has put further strain on liquidity Despite your businesses’ strong balance sheet, your bank either will not lend, or proposes unacceptably punitive terms What are the alternatives? Crowd lending? Secondary lending? Factoring?...

Guest blog: How can landlords maximise their return on investment

Guest blog City HomeIn his first guest blog for Investment Sense Tom Wills of City Home - a Leeds-based letting agent, looks at how landlords can improve their returns: The UK’s property market has strengthened in the past 12 months, and with the Bank of England hinting that interest rates will remain low for the foreseeable future, there is every chance that more people will be applying for mortgages. We’ve noticed an upturn in the number of would-be landlords looking for buy-to-let home loans in the last year and fully expect ...