Insights, opinions and commentary on the issues that matter to Financial Advisers

Guest Spot: What the FCA’s DBAAT means for suitability of advice

17 February 2021

On January 15, the FCA put their defined benefit advice assessment tool (DBAAT) out into the public domain. Up until this date, the weighty Excel spreadsheet had been used behind…

Read more

Search Novia Insights in - Guest Spot

ESG: A closer look at the coming changes for Advisers

26 January 2021

I need to kick off by confirming some of the assumptions that support this article.  When I refer to new rules, these rules do not actually exist yet. Unless the…

Read more

Guest Spot: The death benefit distraction

21 January 2021

It could be argued that the art of distraction, the practice of moving someone’s attention away from what they should really be focused on, has become more prevalent in some…

Read more

Guest Spot: Optimising probability in retirement planning

12 January 2021

Delivering a reliable income stream from a diversified portfolio over an unknown period of time has, rightly, been described by William Sharpe as “the nastiest, hardest problem in finance” and…

Read more

Guest Spot: ESG and Sustainable Finance – Part 2

11 January 2021

The second of a two-part look at the impact of proposed regulatory changes on financial advice by Lee Coates OBE, Ethical Money and ESG Consultant The observant amongst you will…

Read more

Guest Spot: Incorporating Client Attitude to ESG

7 December 2020

The first of a two-part look at the impact of proposed regulatory changes on financial advice by Lee Coates OBE, Ethical Money and ESG Consultant As Mr Dylan would have it, the times…

Read more

Guest Spot: Funding retirement income – The liquidity illusion

9 November 2020

Creating and managing a regular flow of ‘income’ from a diversified portfolio has been described by Bill Sharpe (he of ‘Sharpe Ratio’ fame) as the “nastiest, hardest problem in finance” Balancing three key moving parts in the retirement equation – longevity, inflation and investment returns – and achieving the optimal journey for the retiree, is something that has occupied some extremely bright minds for a few decades now.

Read more

Guest Spot: The Three Key Costs International Investors Don’t Want To Ignore

20 August 2020

For international investment we discuss three key costs to be aware of and seek to mitigate, to achieve your financial goals as an international investor…

Read more

Guest Spot: Assessing Suitability – Times are changing for retirement advice

27 July 2020

The six key themes of the FCA’s ‘Assessing Suitability Review II’ on how retirement income advice is being delivered – times are changing for retirement advice.

Read more

Guest Spot: To switch or not to switch that is the question

18 June 2020

In this Guest Spot Adrian Boulding, Chief Innovation Officer of technology provider Spire Platform Solutions considers the case for “switching” in retirement cases.

Read more

Guest Spot: Responsible investing with a track record

15 April 2020

King & Shaxson have been managing ethical portfolios since 2002, in March this year they celebrated the 10-year anniversary of their Model Portfolio Service.

Read more

Coronavirus shock: market impact, outlook and strategy

18 March 2020

Markets In the midst of surging fears of coronavirus, there have been extreme moves in the markets for several weeks: Volume: Trading volumes in all asset classes spiked when the…

Read more

Guest Spot: The Race to the Client and how it’s realigning the value chain

25 February 2020

In the race to the client, advisers will win. But only if they take control of the value chain and reconfigure it to their clients’ best interests.

Read more