Not all change in financial services has been for the better. Plenty of "good" products have been dropped, either by regulators or the government, in favour of less-workable alternatives.
So which product would you look to see revived? Zero Dividend Preference Shares Nominated by: Nick Lincoln, owner, Values 2 Vision "These products - also known as ‘zeros' - were widely used in the 90s and early noughties and were classified as low risk. All returns came back as capital gains until the end of the product's term, meaning the owner could make a tax-free profit as part of their capital gains tax allowance. But lots of mutual funds were investing in each other. One went bust and advisers lost faith." 100% Mortgages Nominated by: Jock Cassidy, director, Ashley Law ...
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