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Pension reform hurdles

Any plan to reform the pensions system must pass five tests that will secure its longevity and sustainability says John Hutton, secretary of state for work and pensions. Hutton says: “As my predecessors have made clear, the primary responsibility for security in old age must rest with the individual and their family. The state must provide a floor below which nobody should fall but it must also allow everyone the opportunity to build a decent retirement income.”

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Time to dust off your contacts book

It remains uncertain how the advent of HIPs will affect the average mortgage broker but at least it is an opportunity to refresh contacts with local property professionals, says Sue Read

Background to regulation of loans is complicated

From Stephen Atkins I agree with the article, ‘Loans regulation predicted’ (Mortgage Strategy November 14), but the background is more complicated than described. Back in 2000 the Treasury instructed the FSA to introduce regulation for first charge mortgages but for some reason second charges were excluded. In 2005 the Hampton Report was published and suggested […]

Leeds welcomes its New Zealander guest

When Ross Smith, chief executive of the New Zealand-based building society Southland met the chief executive of Leeds, Ian Ward there was none of the traditional theatre that usually precedes a meeting of the two countries. The Haka is reserved for places like Twickenham and a much publicised spear tackle is certainly not appropriate to […]

Elephant sees record October

Elephant, the mortgage and loans packager floated last week on the Alternative Investment Market, says it will continue to exceed budget with October being a record month for turnover and profits. It says its shares have been over subscribed, with 21,666,6666 shares issued at 3p a share, and a market value of £6.3m.

A bull case for US equities?

Neptune video: a bull case for US equities?

Watch Felix Wintle, head of US equities at Neptune, discuss why he believes US equities are in a structural bull market and the key factors that can drive the S&P 500 higher.

In the video, Wintle addresses the following:

• The US market and why — despite equities rising from 2009 — he believes the structural bull market only started in 2013
• Key economic and corporate factors that can drive the S&P 500 higher
• Investment themes and sectors offering exposure to the domestic recovery

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