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	<title>Mortgages-Cambridge</title>
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		<title>&#124;Investments&#124; Are banks taking too much risk with your investments?</title>
		<link>http://www.cpfs.uk.com/investments-are-banks-taking-too-much-risk-with-your-investments/</link>
		<comments>http://www.cpfs.uk.com/investments-are-banks-taking-too-much-risk-with-your-investments/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 16:56:45 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[risk profiling]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=735</guid>
		<description><![CDATA[In a report this week by the FSA (Financial Services Authority) on risk, titled Retail Conduct Risk Outlook, the FSA made statements regarding the risks that banks may be taking with your investments, risks that may be inappropriate. &#160; They say &#38;...]]></description>
			<content:encoded><![CDATA[In a report this week by the FSA (Financial Services Authority) on risk, titled Retail Conduct Risk Outlook, the FSA made statements regarding the risks that banks may be taking with your investments, risks that may be inappropriate. &#160; They say &#8220;Banks may sell complex or illiquid products that encourage existing private banking clients to take [...]]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Investments&#124; The Mechanism for the Euro Bailout &#124; Savings</title>
		<link>http://www.cpfs.uk.com/investments-the-mechanism-for-the-euro-bailout-savings/</link>
		<comments>http://www.cpfs.uk.com/investments-the-mechanism-for-the-euro-bailout-savings/#comments</comments>
		<pubDate>Tue, 06 Dec 2011 17:28:11 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Amusing stuff]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[Euro]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=729</guid>
		<description><![CDATA[Investments&#124; The Mechanism for the Euro Bailout &#124; Savings The grand leaders of the Euro bloc are meeting today to put together the Grand Bailout to ease all Bailouts with a further gathering -if they turn up, and assuming that the Gravy Train...]]></description>
			<content:encoded><![CDATA[Investments&#124; The Mechanism for the Euro Bailout &#124; Savings The grand leaders of the Euro bloc are meeting today to put together the Grand Bailout to ease all Bailouts with a further gathering -if they turn up, and assuming that the Gravy Train, &#8216;The Ponzi Express&#8217;, does not get derailed in the meantime, of the [...]]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions&#124; Resolution: In Search of the Wholly Trail! &#124;Investments</title>
		<link>http://www.cpfs.uk.com/pensions-resolution-in-search-of-the-wholly-trail-investments/</link>
		<comments>http://www.cpfs.uk.com/pensions-resolution-in-search-of-the-wholly-trail-investments/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 10:39:49 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Aggregators]]></category>
		<category><![CDATA[Alba Life]]></category>
		<category><![CDATA[annual management charges]]></category>
		<category><![CDATA[Cannon Life]]></category>
		<category><![CDATA[Critical Illness Cover]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[Liberty Life]]></category>
		<category><![CDATA[London Life]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[National Mutual]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[Scottish Mutual]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=716</guid>
		<description><![CDATA[Pensions&#124; Resolution: In Search of the Wholly Trail! &#124;Investments 20 or so years ago there were about 100 different life companies in the UK &#8211; these consisted of pensions companies and investment companies, life companies etc., who were...]]></description>
			<content:encoded><![CDATA[Pensions&#124; Resolution: In Search of the Wholly Trail! &#124;Investments 20 or so years ago there were about 100 different life companies in the UK &#8211; these consisted of pensions companies and investment companies, life companies etc., who were all fishing for business in the UK market place. In those days the pickings were good, high [...]]]></content:encoded>
			<wfw:commentRss>http://www.cpfs.uk.com/pensions-resolution-in-search-of-the-wholly-trail-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investments&#124;The banks &amp; a matter of trust! &#124;Pensions</title>
		<link>http://www.cpfs.uk.com/investmentsthe-banks-a-matter-of-trust-pensions/</link>
		<comments>http://www.cpfs.uk.com/investmentsthe-banks-a-matter-of-trust-pensions/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 07:43:10 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Banks financial advice]]></category>
		<category><![CDATA[Critical Illness Cover]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[Free Financial Advice]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[Guaranteed Products]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[RDR]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=705</guid>
		<description><![CDATA[Investments&#124;The banks &#038; a matter of trust! &#124;Pensions Oh dear, Oh dear, Oh dear &#8211; the banks have been caught &#8216;at it&#8217; again. A recent under-cover investigation by the organisation Which! has found serious examples of poor ...]]></description>
			<content:encoded><![CDATA[Investments&#124;The banks &#38; a matter of trust! &#124;Pensions Oh dear, Oh dear, Oh dear &#8211; the banks have been caught &#8216;at it&#8217; again. A recent under-cover investigation by the organisation Which! has found serious examples of poor bank financial advice (32 out of 37 advisers made misleading statements about investment products) where bank advisers were [...]]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions &amp; Investments&#124; Making your last £10 coincide with your last breath!</title>
		<link>http://www.cpfs.uk.com/pensions-investments-making-your-last-10-coincide-with-your-last-breath/</link>
		<comments>http://www.cpfs.uk.com/pensions-investments-making-your-last-10-coincide-with-your-last-breath/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 16:15:46 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Critical Illness Cover]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[ISA's]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[pension pots]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[PEP's]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Tessa's]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=693</guid>
		<description><![CDATA[Pensions &#038; Investments&#124; Making your last £10 coincide with your last breath! Many people build up odd pension pots during their lifetime and often bits and pieces of investments also, along the way, viz., PEPS, Tessa&#8217;s ISA&#8217;s the o...]]></description>
			<content:encoded><![CDATA[Pensions &#38; Investments&#124; Making your last £10 coincide with your last breath! Many people build up odd pension pots during their lifetime and often bits and pieces of investments also, along the way, viz., PEPS, Tessa&#8217;s ISA&#8217;s the odd Bond here and there and one or two pension pots. Also they may have been members [...]]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions &#124; Annuities – are not the only fruit in the basket! &#124; Investments</title>
		<link>http://www.cpfs.uk.com/pensions-annuities-are-not-the-only-fruit-in-the-basket-investments/</link>
		<comments>http://www.cpfs.uk.com/pensions-annuities-are-not-the-only-fruit-in-the-basket-investments/#comments</comments>
		<pubDate>Sun, 06 Nov 2011 08:57:15 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[diversification]]></category>
		<category><![CDATA[Drawdown]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=674</guid>
		<description><![CDATA[Annuities &#8211; are not the only fruit in the basket! How many consumers think that when they get to retirement their pension &#8216;pot&#8217; has to be turned into an Annuity? Well, according to the Association of British Insurers research publishe...]]></description>
			<content:encoded><![CDATA[Annuities &#8211; are not the only fruit in the basket! How many consumers think that when they get to retirement their pension &#8216;pot&#8217; has to be turned into an Annuity? Well, according to the Association of British Insurers research published in the report ‘Annuities: the consumer experience’- found that two-thirds of people buying an annuity buy them [...]]]></content:encoded>
			<wfw:commentRss>http://www.cpfs.uk.com/pensions-annuities-are-not-the-only-fruit-in-the-basket-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions &#124; Euro ‘Ghosties’ and Greek ‘Ghoulies’ &#124; Investments</title>
		<link>http://www.cpfs.uk.com/pensions-euro-ghosties-and-greek-ghoulies-investments/</link>
		<comments>http://www.cpfs.uk.com/pensions-euro-ghosties-and-greek-ghoulies-investments/#comments</comments>
		<pubDate>Sat, 05 Nov 2011 22:07:18 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=666</guid>
		<description><![CDATA[Pensions&#124; Euro Ghosties and Greek Ghoulies&#124;Investments I was talking to a client the other day about the &#8216;happenings&#8217; in the Eurozone, and in particular the situation with the passengers (Ministers) on the Euro Gravy Train &#8216;...]]></description>
			<content:encoded><![CDATA[Pensions&#124; Euro Ghosties and Greek Ghoulies&#124;Investments I was talking to a client the other day about the &#8216;happenings&#8217; in the Eurozone, and in particular the situation with the passengers (Ministers) on the Euro Gravy Train &#8216;The Ponzi Express&#8217; and in my last post I contemplated that there was a danger that the only light at [...]]]></content:encoded>
			<wfw:commentRss>http://www.cpfs.uk.com/pensions-euro-ghosties-and-greek-ghoulies-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions&#124; Greece the Musical – oh Mama Mia!&#124;Investments</title>
		<link>http://www.cpfs.uk.com/pensions-greece-the-musical-oh-mama-miainvestments/</link>
		<comments>http://www.cpfs.uk.com/pensions-greece-the-musical-oh-mama-miainvestments/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 22:21:18 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[attitude to loss]]></category>
		<category><![CDATA[attitudfe to loss]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[independent finanical advice]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=659</guid>
		<description><![CDATA[At a stroke yesterday the Greek Prime Minister George Papandreou stunned the markets, to say nothing of Ms Merkel and Ms Sarkozy, by calling for a Referendum on the crisis in Greece. This one statement had the effect of driving down markets by over 2.2...]]></description>
			<content:encoded><![CDATA[At a stroke yesterday the Greek Prime Minister George Papandreou stunned the markets, to say nothing of Ms Merkel and Ms Sarkozy, by calling for a Referendum on the crisis in Greece. This one statement had the effect of driving down markets by over 2.2% (FTSE100) which is more than the total GDP of Greece [...]]]></content:encoded>
			<wfw:commentRss>http://www.cpfs.uk.com/pensions-greece-the-musical-oh-mama-miainvestments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions&#124; France, the Euro, and a Printing Press – the answer to a Mademoiselles’ prayer &#124;Investments</title>
		<link>http://www.cpfs.uk.com/pensions-france-the-euro-and-a-printing-press-the-answer-to-a-mademoiselles-prayer-investments/</link>
		<comments>http://www.cpfs.uk.com/pensions-france-the-euro-and-a-printing-press-the-answer-to-a-mademoiselles-prayer-investments/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 11:55:01 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[Amusing stuff]]></category>
		<category><![CDATA[Critical Illness Cover]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=640</guid>
		<description><![CDATA[France, the Euro, and a Printing Press &#8211; the answer to a Mademoiselles&#8217; Prayer. Last week I spent a week in France. The purpose of my visit was to oversee some building work being carried out on a property (Farmhouse) that we bought in 1997...]]></description>
			<content:encoded><![CDATA[France, the Euro, and a Printing Press &#8211; the answer to a Mademoiselles&#8217; Prayer. Last week I spent a week in France. The purpose of my visit was to oversee some building work being carried out on a property (Farmhouse) that we bought in 1997 as a wreck. We are in the process of adding [...]]]></content:encoded>
			<wfw:commentRss>http://www.cpfs.uk.com/pensions-france-the-euro-and-a-printing-press-the-answer-to-a-mademoiselles-prayer-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pensions&#124; the ‘excessive’ hidden fees on pensions – with balance!</title>
		<link>http://www.cpfs.uk.com/pensions-the-excessive-hidden-fees-on-pensions-with-balance/</link>
		<comments>http://www.cpfs.uk.com/pensions-the-excessive-hidden-fees-on-pensions-with-balance/#comments</comments>
		<pubDate>Fri, 21 Oct 2011 08:42:46 +0000</pubDate>
		<dc:creator>Colin Palmer</dc:creator>
				<category><![CDATA[charges]]></category>
		<category><![CDATA[Deferred Pension Benefits]]></category>
		<category><![CDATA[General Financial stuff]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[NEST - 'the Employers or the Cuckoos'?]]></category>
		<category><![CDATA[Pension Planning]]></category>
		<category><![CDATA[Pension Rule Changes]]></category>
		<category><![CDATA[pensions]]></category>
		<category><![CDATA[The Grim Reaper & Your Pension Plan]]></category>

		<guid isPermaLink="false">http://www.cpfs.uk.com/?p=600</guid>
		<description><![CDATA[Well, here we go AGAIN! Front page headlines in The Daily Telegraph &#8216;Prudent savers hit by &#8216;excessive&#8217; hidden fees on pensions&#8217; &#8211; If it bleeds, it leads! is the mantra as far as newspapers are concerned, but once again I r...]]></description>
			<content:encoded><![CDATA[Well, here we go AGAIN! Front page headlines in The Daily Telegraph &#8216;Prudent savers hit by &#8216;excessive&#8217; hidden fees on pensions&#8217; &#8211; If it bleeds, it leads! is the mantra as far as newspapers are concerned, but once again I raise the question &#8216;where is the balance in the article?&#8217; The Beef Just to pick [...]]]></content:encoded>
			<wfw:commentRss>http://www.cpfs.uk.com/pensions-the-excessive-hidden-fees-on-pensions-with-balance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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