As the lifetime market falls away, deferred annuities are now one of the most effective products to protect income for lifeLast month, the FCA published a policy statement outlining its views in relation to the purchase of annuities at retirement. New rules require advisers to inform consumers how much they could gain from shopping around before a potential annuity purchase. Firms affected by the changes will need to ensure compliance from 1 March 2018.
Having taken a backseat last year, the issue of consumer vulnerability is back in the FCA’s sights. As outlined in its 2017/18 business plan, the regulator will prioritise work in this area with the implementation of the Financial Advice Market Review recommendations. It is also planning to consider the needs of vulnerable customers in more depth through its forthcoming consumer approach strategy.
Are Qrops worth looking at? The Budget stirred things up with its proposal to impose a 25 per cent tax charge on certain transfers to schemes based outside the European Economic Area. Here is a checklist to help you to decide whether you should consider them for your clients:Qrops are specialist pension products. Is your firm a pension specialist? Do your advisers have appropriate knowledge and experience? If not, how will they obtain this? Where are your clients based?
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Obama AND Romney or Obama + Romney.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used.) For example, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".