Ingard IFM

[Ingard IFM @IngardIFM]

The FCA says money guidance from AI chatbots sits outside its protection: no ombudsman, no compensation route (FTAdviser).

AI is fine for background reading. Regulated advice comes with accountability a chatbot can't offer.

https://t.co/tk8QDT7UDN

[Ingard IFM @IngardIFM]

Lloyds says homes are the most affordable vs earnings in 11 years, but average mortgage repayments still rose to £1,157 a month. Fixed rates are near 6% (Moneyfacts).

Price-to-income looks better. The monthly payment is what counts.

https://t.co/jJqhBB5TBN

[Ingard IFM @IngardIFM]

30-year gilt yields have topped 6%, a level last seen in 1998. Shorter yields, which drive mortgage pricing, jumped too (Mortgage Introducer).

Why it matters: fixed rates follow gilts, not just Bank Rate. If you're remortgaging soon, start early.

https://t.co/malExLnfOJ

[Ingard IFM @IngardIFM]

58% of UK adults have no life, critical illness or income protection cover (FCA via Mortgage Soup).

Protection isn't an upsell. It's knowing what happens if your pay stops. An informed no is fine; an unconsidered gap isn't.

https://t.co/UhfaFMS8OX

[Ingard IFM @IngardIFM]

First-time buyers in England: a new government scheme offers a 2.5% deposit plus a 20% government equity loan on new-builds. Low-deposit lending is up 38% (FCA data via TWM).

Smaller deposits often mean higher monthly costs. Wait for the Budget terms.

https://t.co/76Ss0vJj5h

[Ingard IFM @IngardIFM]

FCA data: £91.2bn was withdrawn from pensions in 2025/26, up 21.7%. Under a third of pots first accessed involved regulated advice.

What I tell clients: don't let Budget rumours rush a decision you can't undo. Check the tax first.

Source: FCA https://t.co/p5yCJ4ckoL

[Ingard IFM @IngardIFM]

1.7m UK adults used debt advice/management last year (FCA).

Watch for:
• Pressure to agree fast
• Coached form answers
• Paid options before free ones
• Unclear firm identity

Free help: Firm Checker + MoneyHelper
https://t.co/Mv60TKbFfS

[COVER @Cover_Mag]

Protection industry pays 98.3% of 2019 claims https://t.co/MM5tkJglRC

[Robin Powell @RobinJPowell]

Charley Ellis: There are at least half a million active managers more than we actually need #Investing #ActiveManagement https://t.co/1V96qysa5W

[Ingard IFM @IngardIFM]

@MHworking

[Louise Chunn @LouiseChunn]

Great to get this boost from @guardian writer @oliverburkeman for @Welldoing_Org's therapists. Thanks Oliver!

[Ingard IFM @IngardIFM]

#coronavirus

[Julie K Howard @julie_jkh]

Help for NHS staff. Request for any virtual reality headset suppliers to donate to CNWL NHS please to give front line staff a chance at some much needed relaxation. Any help appreciated contact [email protected] #covid19UK

[Ingard IFM @IngardIFM]

#COVID2019 #coronavirus #NHS
Can anyone assist?

https://t.co/I2ZhNkW3id

[AIC @AICPRESS]

With the difficulties facing markets, the power of #investment companies to deliver rising dividends is reassuring for investors. Meet the full list of #dividendheroes here: https://t.co/3iwmYqpFB2

[Ste Carson @sjrcarson]

If Pogba did this we'd never hear the end of it but because it's some lad playing hockey in Malaysia nobody cares 😤

[ER Council @Equity_Council]

Very good to hear these reactions from our members & colleagues in the #EquityRelease sector who comment on the Council's Spring Market Report via @MFG_Magazine with comments from @GoodAdviceIsKey @more2lifeltd @CanadaLifeUKadv @WeAreJustUK @WeareJust_PR https://t.co/D7aRYKJFH7

[Ingard IFM @IngardIFM]

https://t.co/SP655KpY7B

[Ingard IFM @IngardIFM]

https://t.co/k3uAf6eGkg

[LIBF @StudyLIBF]

Only one month to go until we turn 140 years old! What a birthday! Find out how you can support us in this milestone and help us celebrate here: https://t.co/x2GwjWXFzX

[Ingard IFM @IngardIFM]

https://t.co/Zn945c4yTv

[Steve Nelson @langcatsteve]

What's your Halloween outfit? I was going to dress up as something terrifying, yet mythical. Something that would keep you awake at night yet there are no confirmed sightings recorded.

But I couldn't figure out how to dress up as a St James' Place charging structure.