Clients now have a growing need for choice, flexibility and transparency when it comes to Personal Pensions.

At first glance the pre-Budget report appeared to pose a major threat to SIPPs with the introduction of reduced tax incentives on personal pension contributions for those earning more than £150,000

Here at Zurich, we know you have a choice as to where you place your protection business. There are a number of providers who will offer you products at a low cost - indeed we understand this and whilst we're not always the cheapest, we do believe we...

Susan Barclay, head of marketing at Scottish Provident, explains why it can be advantageous to divide a client's protection outlay between different products and how the task can be greatly facilitated by using menu-based format .

As we move into a new decade, there couldn't be a better time for advisers to be looking at the protection needs of their clients, old and new.

In the case of those people approaching retirement or those who have recently retired, the stock market volatility of the last two years has caused the potential for some real financial hardship.

IFA's, appreciate better than most, there has been a major change in the global markets, both in underlying fundamentals and in peoples' perceptions and attitudes.

Question: Would the panel suggest a ‘Structured Deposit' as a safe way of investing?

Question: Is a Guaranteed Equity Bond a safer option of investment on a structured product?

Question: I am wondering what the panel make of the term ‘counterparty risk' when it comes to the security of Structured Products?