Scottish Life for advisers

We are a specialist pensions provider and are part of the UK's largest mutual life and pensions company, Royal London. We believe in independent financial advice and don't sell our pensions direct.

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What now for defined ambition?

Now that the Government has paved the way for a creation of risk sharing pension schemes in the shape of the Pensions Schemes Bill 2014, we take a look at what they are and how they could work.

How to choose an appropriate default strategy from a smörgåsbord of investment options

To the untrained eye, children’s parties and investment default strategies may seem worlds apart. Investment expert Emma Jones helps us make the connection.

Collective Defined Contribution

We take a look at what it is, how it works, and will it take hold in the UK?

'Freedom and choice in pensions' - our response

A number of responses to the Treasury consultation, which closed on 11 June, have been made public. Here's ours.

Retirement view blog

Fiona Tait

Fiona Tait
Business Development Manager

"If they told you to jump in the river, would you do it?"

26 June 2014
This was the inevitable maternal response whenever I tried to avoid getting into trouble by blaming a friend. Likewise if retirees decide to buy a financial product after taking guidance, it will be their decision and the consequences will be their responsibility.

Investment view blog

Lorna Blyth

Lorna Blyth
Investment Development Manager

Governed Portfolios now have a five year track record

31 January 2014
In the last five years we have seen a massive rise in the number of advisers recommending centralised investment propositions. Lorna Blyth looks at the benefits for clients, how advisers can ensure they meet FCA requirements in this space and what the future for CIPs could look like.

New in Technical Central

2014 Budget Summary

How will this year's Budget affect you and your clients?

Fixed protection 2014

Fixed protection 2014 maintains the lifetime allowance at £1.5 million after 6 April 2014 when it reduces to £1.25 million.

For professional advisers only