HeyJaredTony Müdd
- Indexed articles, last 90 days
- 3
- Latest publication
- Sep 30, 2026
- Outlet visibility, for Professionaladviser
- Top 5M sites
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- Sep 3, 2026
Latest articles
'The interesting thing about Burnham's triple-lock plan isn't the triple lock' (opens the original)
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Andy Burnham's conference announcement will produce a debate about the triple lock. That is understandable but it is probably not the most interesting part of what he has proposed. The current triple lock stays for the rest of this Parliament. From April 2030, if Labour wins the next election, the state pension would still rise each year by at least inflation or 2.5%, while "holding its value relative to earnings over time". The savings, he says, would help fund a National Care Service in which
The protection gap is not a surprise - treating it as one is (opens the original)
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At the Protection Distributors Group's (PDG) tenth anniversary, the Financial Conduct Authority's Ed Smith said the shock was not the protection gap. It was that so many people had never considered their needs. They were "not even at first base." There was, he said, "a real level of disengagement". He may be right, but what he is describing is a symptom, not a cause. Let's get real. A large protection gap is not new. It has outlived the Financial Services Authority, Retail Distribution Review (R
Tony Müdd: The chancellor has fewer choices than you think (opens the original)
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Every Autumn we pretend the Budget is a mystery. Which tax will rise? What rabbit will the chancellor pull from the hat? Will it be capital gains tax, pensions, property, inheritance tax or some entirely new raid nobody saw coming? In practice the more useful question is not what the chancellor could tax, but what the chancellor can tax and reliably raise serious amounts of money from. That produces a rather shorter list. The government has expensive promises to fund. A national care service. A
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