Archive: 2013

Change on Child Trust Funds ‘Great News’ for Children

Six million children with savings in Child Trust Funds (CTFs) will be able to convert them to Junior ISAs, the government has announced.






The Old Lady’s Children Showing Their Age

Last week’s systems’ failure at the RBS was symbolic of the old clearing banks and their creaking 1970’s main frames. Those that have spent the money on flashy front end structures are merely flattering to deceive, as they divert attention away from the fact that many have not invested effectively in modern integrated technology, and […]






The Markets

You really need to take predictions with a grain of salt. Consider these esteemed opinions:  “I think there is a world market for maybe five computers.” Thomas Watson, Chairman, IBM, 1943 “Who wants to hear actors talk?” H. M. Warner, Founder, Warner Brothers, 1927 “Everything that can be invented has been invented.” Charles Duell, Commissioner, […]






Making Pensions Sexy? No But At Least Interesting

It has never been easy, but now it’s going to be damn difficult. Auto-enrolment is underway and is the precursor to compulsory pensions which, if our politicians had any strategic thinking, they would be introducing immediately. However, the potential client base for this is quite understandably suspicious and often quite hostile. This shouldn’t be unexpected; […]






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