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1、资料来源：育明考研考博官网 资料来源：育明考研考博官网 阅读题源阅读题源专业养老金顾问英国的养老系统在较为完善的同时，也因为其复杂程度而催生了对养老金顾问的需求。许多人在退休后不得不寻找顾问来帮助解决养老金问题，但又因为找到合适的人的难度而想尽办法拖延寻找顾问的期限。今天，金融速读带大家来看一看在英国，找养老金顾问到底有多难。专业养老金顾问英国的养老系统在较为完善的同时，也因为其复杂程度而催生了对养老金顾问的需求。许多人在退休后不得不寻找顾问来帮助解决养老金问题，但又因为找到合适的人的难度而想尽办法拖延寻找顾问的期限。今天，金融速读带大家来看一看在英国，找养老金顾问到底有多难。测试中可能遇到的
2、词汇和知识：测试中可能遇到的词汇和知识：keenkeen愿意，希望dauntingdaunting使气馁roguerogue无良的，欺诈的 UK pensions: how to hire an adviserUK pensions: how to hire an adviser（590 words）By Judith Evans-As retirement looms, you resolve to take professional advice only to discover a quandary: from which of the vast array of 30,000 UK r
3、egistered advisers keen to take your custom?This puzzle has been faced by growing numbers of savers since the government reformed the pensions market by removing the requirement to turn savings into a secure income, offering a far greater choice in how to deploy a nest egg.That choice has driven up
4、demand for advice. Unbiased.co.uk, an online directory, has seen a 20 per cent increase in searches for financial advisers compared with last year, according to Karen Barrett, chief executive.But choosing an adviser can be daunting. Jane Vass, head of public policy at Age UK, says: “We know that peo
5、ple often put off using an adviser, even if they think they need one.“Theyre worried about being charged commission, they feel they won t understand the charges, they wont feel able to negotiate or they don资料来源：育明考研考博官网 资料来源：育明考研考博官网 t know how to compare advisers.”Those in need of advice may take s
6、ome reassurance from the Retail Distribution Review reforms that took effect in 2013, increasing the qualifications required to register as an adviser now equivalent to a certificate of higher education. They must regularly obtain a “statement of professional standing”, which certifies that they hav
7、e kept their qualifications up-to-date and signed up for an ethics code.Under the changes, all advisers were banned from taking commissions on most financial products, removing the incentive to sell products that a customer may not need.Experts say this has led to significant progress in improving s
8、tandards and rooting out rogue operators, after a spate of overly risky products were sold to retail investors in the early 2000s. A series of advisers have been banned and fined, and others investigated for exposing clients to high-risk investments in areas such as overseas property and biofuels.“T
9、he industry is clearly in a very different place from where it was 10 years ago,” says Ms Vass.Among the first decisions to be taken is whether to opt for an “independent” or “restricted” adviser. The latter will only offer products from a limited panel of providers, although their charging structur
10、es and qualifications are similar to their independent counterparts.Both types of advisers charge fees to the investor, not commissions. But regulatory and insurance requirements are more onerous for independent advisers such as proving that they really do survey the entire market when choosing prod
11、ucts. Some smaller operations with limited resources opt for restricted status.Advisers may also be restricted in a different way, offering advice on just one type of financial product, such as mortgages. This can enable them to develop specialist knowledge while saving on costs but make sure you cl
12、arify in what way an adviser is restricted.Beyond the minimum standards, advisers may also have extra qualifications in specialist areas, such as pensions advice or long-term care, a bonus if one of these is your focus.资料来源：育明考研考博官网 资料来源：育明考研考博官网 “Ring up and go to see at least three or four adviser
13、s,” Ms Barrett says. “Ask them whos going to be working with me, what experience do they have, where have they worked before, what types of clients are they especially able to help?”Many advisers will offer an initial free face-to-face consultation, which gives you a chance to brandish a checklist o
14、f questions, including on the vexed question of fees; you can also ask how the adviser expects to make or save you money that will make the fees worth your while.What is the trend for the amount of people that saves their pension?What is the trend for the amount of people that saves their pension?In
15、creasingDecreasingReaching zeroDont knowBeginning 2013, what changed if you want to become an adviser?Beginning 2013, what changed if you want to become an adviser?Lower educationdegreerequiredThere is an annual fee if you want to be an adviserMore qualifications requiredNothing changedWhat s the author s attitude towards restricting the adviser s expertiseto one field?What s the author s attitude towards restricting the adviser s expertiseto one field?IndifferentPositiveDoubtful资料来源：育明考研考博官网 资料来源：育明考研考博官网 NegativeHow much does it cost to set up a one-on-one meeting with a
